2. BG
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  2. TRDP
Please note that the information you are viewing is 107 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Buusaa Gonofaa MFI Debrezeit RoadKirkos SubcityAddis AbabaPO Box 24850
Data approved: 2011-12-23
Data version: 1
Age of data: 151 months

Institution

Thardeep Rural Development Programme Near Dargah Hussain Shah Siran, MithiTharparkar, Sindh69230
Data approved: 2015-05-12
Data version: 2
Age of data: 107 months
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Product

General Purpose Loan - Homa Homa - Regular Product 2 of 4 « Prev | Next »

Product

Enterprise Loans Product 1 of 3 « Prev | Next »

Product Summary

Number borrowers15,000
Loan Amount (range)ETB 200 - 5,000
Loan Term (range)6 - 24
Other Services (text summary)Group Mtgs
Annual Interest & Method18.0% annual, Flat
Fees0.50% upfront
InsuranceNone
TaxNone
Comp Dep10.0% upfront 10.00 ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component32.0% - 35.3% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)39.0% - 45.7%
Transparency Index (min/max)39 - 78
Transparency Index (average)43

Product Summary

53,920
PKR 5,000 - 100,000
3 - 12
Credit Educ, Business Training
18.0% annual, Flat
2.00% upfront
125.00 upfront
None
N/A
 
16.6% - 31.2%
2.0% - 7.5%
0.3% - 2.7%
0
35.1% - 37.6%
48 - 95
49

Product Details

Key Statistics
Outstanding portfolio (ETB)ETB 23,500,000
Portfolio (USD)USD 1,277,173.91
Active Clients with Loans15,000
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity groupx
Village banking
Self help groupx
Other
Description
This is a working capital loan for petty traders.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 635,054,513
Portfolio (USD)USD 6,236,235.32
Active Clients with Loans53,920
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village banking
Self help group
Other
Description
Entrprise loan is offered to men and women for micro enterprenuership, the product is for enhancing the running businesses or to start a new business.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visits
Business trainingx
Other training
Other
Other (2)
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 group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveSindh

Loan Conditions

Loan Amount
CurrencyETB
Minimum loan sizeETB 200
Maximum loan size5,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term24.0 months
Approx average10.0 months
Grace Period
Grace period usage100%
Average grace perioddk
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 5,000
Maximum loan size100,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00060%
PKR 25,000-50,00030%
PKR 50,000-75,00010%
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months15%
Between 10 and 12 months80%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period0.3 months
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 interest18.00%
Highest quoted nominal interest18.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionService Charge
% of loan amount - min0.50%
% of loan amount - max0.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
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 forSome
Criteria10% compulsory savings at disbursement for Loan Cycle 2 onwards
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00% - N/A
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedETB 10 - N/A
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid5.00%
Maximum interest rate paid5.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest18.00%
Highest quoted nominal interest18.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionDocumentation Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionHealth and Accidental Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min125
Fixed amount - max125
Reason for variationN/A
Appears on Repayment Sched?Yes
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

General Purpose Loan - Homa Homa - Regular samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountETB 1,000ETB 1,000ETB 3,000ETB 5,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-07-122011-04-212011-04-082011-04-08
Loan Term (Months)11.2 months11.2 months9.3 months9.3 months
Grace Period (Months)17.0 months10.0 months7.0 months7.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component32.0%34.5%35.3%35.3%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component7.0%11.2%6.1%5.6%
Full APR (int fee ins tax dep)39.0%45.7%41.4%40.9%
Transparency Index46394444
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Enterprise Loans samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 10,000 Real 2015-04-15 12.0 months N/A PKR 2,125 37.6% 31.2% 3.9% 2.5% 0.0% 0.0% 48 PDF PDF
PKR 10,000 Generated 2015-06-01 11.3 months N/A PKR 2,021.44 37.0% 30.4% 4.0% 2.6% 0.0% 0.0% 49 - PDF
PKR 25,000 Real 2015-04-15 12.0 months N/A PKR 5,125 36.1% 31.2% 3.9% 1.0% 0.0% 0.0% 50 PDF PDF
PKR 25,000 Generated 2015-06-01 11.3 months N/A PKR 4,866.10 35.4% 30.4% 4.0% 1.0% 0.0% 0.0% 51 - PDF
PKR 15,000 Generated 2015-06-01 8.4 months N/A PKR 2,303.90 37.2% 29.8% 5.2% 2.2% 0.0% 0.0% 48 - PDF
PKR 20,000 Generated 2015-06-01 11.3 months N/A PKR 3,917.88 35.7% 30.4% 4.0% 1.3% 0.0% 0.0% 50 - PDF
PKR 22,000 Generated 2015-06-01 11.3 months N/A PKR 4,297.16 35.6% 30.4% 4.0% 1.2% 0.0% 0.0% 51 - PDF
PKR 30,000 Generated 2015-06-01 8.4 months N/A PKR 4,482.81 36.1% 29.8% 5.2% 1.1% 0.0% 0.0% 50 - PDF
PKR 40,000 Generated 2015-06-01 11.3 months N/A PKR 7,710.75 35.1% 30.4% 4.0% 0.7% 0.0% 0.0% 51 - PDF
PKR 70,000 Generated 2015-06-01 5.3 months N/A PKR 7,117.33 36.2% 28.1% 7.5% 0.6% 0.0% 0.0% 50 - PDF
General Purpose Loan - Homa Homa - Regular Price Graphs


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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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