Please note that the information you are viewing is 156 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

BANCO D-MIRO S.A. Cooperativa Americo Vespucio II Manzana A Solar 8Guayaquil, GuayasN/A
Data approved: 2011-06-27
Data version: 1
Age of data: 156 months

Product

Microcrédito Individual Vida Product 5 of 9 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (USD)USD 82,092.15
Portfolio (USD)USD 82,092.15
Active Clients with Loans233
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Este producto está orientado para las personas mayormente restringidas del acceso a créditos formales por enfermedades de exclusión social, como el VIH.\rPara este producto se establece un fondo comàºn para posibles siniestros.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
OtherServicio de protección familiar en caso de fallecimiento del titular o conyuge
Other (2)incapacidad total y permanente
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 400
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term36.0 months
Approx average11.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest22.93%
Highest quoted nominal interest26.92%
Reason(s) why interest rate variesLoan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Microcrédito Individual Vida samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 350USD 500USD 800USD 600USD 600USD 700
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-10-262010-10-082010-10-082010-10-152010-10-252010-10-07
Loan Term (Months)6.0 months9.0 months12.0 months12.0 months12.0 months15.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component27.3%27.3%27.3%27.3%27.3%27.3%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)27.3%27.3%27.3%27.3%27.3%27.3%
Transparency Index848484848484
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Microcrédito Individual Vida Price Graphs


Please note that the information you are viewing is 106 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Khushhali Bank Limited 4th Floor, 94 west, Jinnah AvenueIslamabad, Federal44000
Data approved: 2015-04-20
Data version: 2
Age of data: 106 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.khushhalibank.com.pk
Year established2000
Head of InstitutionMuhammad Ghalib Nishtar
Regions activeAzad Kashmir, Balochistan, Islambad Capital Territory, Khyber Pakhtunkwa, Punjab, Sindh
# Branches118

Total Portfolio (nat'l)PKR 12,225,321,747
Total Portfolio (USD)USD 120,052,659.60
Active clients with loans468,369
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliationsPakistan Microfinance Network
Funders

Loan Products » Summary

343,540 Borrowers
USD 79,107,071.05 Portfolio
Active Product
82,054 Borrowers
USD 11,000,790.24 Portfolio
Active Product
37,616 Borrowers
USD 24,892,618.49 Portfolio
Active Product
2,583 Borrowers
USD 2,774,465.35 Portfolio
Active Product
1,197 Borrowers
USD 1,243,785.24 Portfolio
Active Product
314 Borrowers
USD 150,120.70 Portfolio
Low Volume Product
134 Borrowers
USD 121,558.08 Portfolio
Low Volume Product
19 Borrowers
USD 10,168.69 Portfolio
Low Volume Product
213 Borrowers
USD 157,569.75 Portfolio
Low Volume Product
EMI
409 Borrowers
USD 279,344.66 Portfolio
Low Volume Product
18 Borrowers
USD 24,215.22 Portfolio
Low Volume Product
65 Borrowers
USD 68,621.18 Portfolio
Low Volume Product
16 Borrowers
USD 18,341.32 Portfolio
Low Volume Product
74 Borrowers
USD 16,249.51 Portfolio
Low Volume Product
109 Borrowers
USD 210,846.23 Portfolio
Low Volume Product
8 Borrowers
USD 6,849.99 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Khushhali Karza - Bullet (Group Based Lending) PKR 15,000 - 50,000 3 - 12 20% - 40% 0% - 20% Business, Agriculture Women, Men, Have business Group Mtgs, Credit Ins
Khushhali Karza - EMI (Group Based Lending) PKR 15,000 - 50,000 3 - 12 20% - 40% 40% - 60% Business, Agriculture Women, Men, Have business Group Mtgs, Credit Ins
Khushhali Cash Sahulat Gold-Bullet PKR 25,000 - 150,000 3 - 12 0% - 20% 20% - 40% Business Women, Men, Have business Credit Ins
Khushhali Cash Sahulat Land-Bullet PKR 25,000 - 150,000 3 - 12 0% - 20% 0% Business, Agriculture Women, Men, Have business Credit Ins
Sarsabz Karobar Bullet PKR 25,000 - 150,000 3 - 6 0% - 20% 20% - 40% Business, Agriculture Women, Men, Have business Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Khushhali Karza - Bullet (Group Based Lending) 31.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 29.6% - 36% 30% - 37.4% 92
Khushhali Karza - EMI (Group Based Lending) 31.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 35.5% - 44.3% 36.3% - 46.6% 78
Khushhali Cash Sahulat Gold-Bullet 28.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 26.3% - 31% 26.5% - 31.9% 97
Khushhali Cash Sahulat Land-Bullet 25.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 23.4% - 28.5% 23.5% - 29.4% 97
Sarsabz Karobar Bullet 25.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 24.9% - 29.1% 25.1% - 30% 95
Institution Price Graph
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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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