| Institution Type | RurBank |
| Is this institution regulated? | Yes |
| Website address | http://www.akrbank.com/ |
| Year established | 1983 |
| Head of Institution | Stephen Sarfo Kantanka |
| Regions active | Ashanti Region |
| # Branches | 6 |
| Total Portfolio (nat'l) | GHS 3,523,066 |
| Total Portfolio (USD) | USD 1,788,358.38 |
| Active clients with loans | 3,892 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | GHAMFIN, ARB Apex |
| Funders |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.mojaz.org |
| Year established | 2008 |
| Head of Institution | Gulshan Kaur |
| Regions active | Punjab |
| # Branches | 4 |
| Total Portfolio (nat'l) | PKR 64,373,019 |
| Total Portfolio (USD) | USD 656,867.54 |
| Active clients with loans | 4,002 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | Pakistan Center for Philanthropy, Human Resource Development Network |
| Funders | Pakistan Poverty Alleviation Fund, Orix Leasing, Orangi Charitable Trust |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | GHS 500 - 5,000 | 6 - 12 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training | |||||||
| Susu Loan | GHS 300 - 30,000 | 6 - 12 | 40% - 60% | 80% - 100% | Business | Women, Men, Have business | Credit Educ, Business Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Regular Loan | PKR 5,000 - 75,000 | 12 | 40% - 60% | 0% - 20% | Agriculture, Consumer, Livestock, Commerce | Women, Men, Have business | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training | |||||||
| Seasonal Loan | PKR 5,000 - 75,000 | 3 - 6 | 40% - 60% | 0% | Agriculture, Livestock | Women, Men, Must be involved in agriculture activity | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 32.00% annual, Flat | 1 Fee | 1 Ins | None | 25.00% upfront | 62.7% - 65.3% | 108.4% - 114.8% | 28 | ||||||||
| Susu Loan | 32.00% annual, Flat | 1 Fee | 0 Ins | None | 33.33% upfront | 66.5% - 69.9% | 139.1% - 152.3% | 22 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Regular Loan | 20.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 39% - 39.5% | 41% - 41.6% | N/A | ||||||||
| Seasonal Loan | 20.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 22.6% - 23.2% | 24.6% - 25.4% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 32.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 25.00% upfront | 62.7% - 65.3% | 108.4% - 114.8% | 28 | ||||||||
| Susu Loan | 32.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 33.33% upfront | 66.5% - 69.9% | 139.1% - 152.3% | 22 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Regular Loan | 20.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 39% - 39.5% | 41% - 41.6% | N/A | ||||||||
| Seasonal Loan | 20.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 22.6% - 23.2% | 24.6% - 25.4% | N/A |
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