| Institution Type | RurBank |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 1990 |
| Head of Institution | Mike D Tizaayel |
| Regions active | |
| # Branches | 6 |
| Total Portfolio (nat'l) | GHS 3,838,180 |
| Total Portfolio (USD) | USD 1,948,314.72 |
| Active clients with loans | 9,508 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | GHAMFIN, ARB |
| Funders | Trias Ghana, Speed Ghana, Action Aid |
| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.akdn.org/pakistan_microfinance.asp |
| Year established | 2002 |
| Head of Institution | Amir Masood Khan |
| Regions active | Azad Kashmir, Balochistan, Gilgit-Baltistan, Khyber Pakhtunkwa, Punjab, Sindh |
| # Branches | 133 |
| Total Portfolio (nat'l) | PKR 4,020,148,567 |
| Total Portfolio (USD) | USD 41,021,924.15 |
| Active clients with loans | 166,267 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Pakistan Microfinance Network (PMN), Microfinance Network (MFN), Banking with the Poor, Aga Khan Development Network (AKDN) |
| Funders | Aga Khan Agency for Microfinance (Equity partner/Investor), International Finance Corporation (Equity Partner/Investor), Japan International Corporation Agency (JICA) |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Loan | GHS 200 - 2,000 | 4 - 8 | 0% - 20% | 0% - 20% | Agriculture | Women, Men | Credit Educ, Group Mtgs, Business Training | |||||||
| Bonzali Microfinance Loan | GHS 200 - 3,000 | 4 - 12 | 60% - 80% | 0% - 20% | Any Purpose | Women, Men | Credit Educ, Group Mtgs, Business Training | |||||||
| Commercial Loan | GHS 500 - 3,000 | 6 - 12 | 80% - 100% | 40% - 60% | Business | Women, Men, Have business | Business Training | |||||||
| Personal and Salary Loan | GHS 100 - 2,000 | 6 - 12 | 40% - 60% | 60% - 80% | Any Purpose | Women, Men, Have business |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Finance | PKR 10,000 - 150,000 | 3 - 14 | 0% - 20% | 0% | Agriculture | Women, Men, Has owned or contracted cultivation land and has experience of cultivation | Group Mtgs, Credit Ins | |||||||
| Enterprise Finance | PKR 15,000 - 150,000 | 3 - 18 | 0% - 20% | 80% - 100% | Business | Women, Men, Have business, Start up can also avail loan facility | Group Mtgs, Credit Ins | |||||||
| Livestock Finance (Short Term) | PKR 10,000 - 150,000 | 3 - 12 | 20% - 40% | 0% - 20% | Business, Small animal purchase, raring, fattening and productivity enhancement of large animals | Women, Men | Group Mtgs, Credit Ins | |||||||
| Livestock Finance (Medium Term) | PKR 30,000 - 80,000 | 6 - 36 | 40% - 60% | 0% - 20% | Business, Purchase of milking cow/buffallo | Women, Men, Must have at least 2 existing milking animals | Group Mtgs, Credit Ins | |||||||
| General Purpose Finance | PKR 10,000 - 50,000 | 3 - 12 | 40% - 60% | 0% - 20% | Housing, Education, Other | Women, Men | Group Mtgs, Credit Ins | |||||||
| Micro Pensioner Loan | PKR 20,000 - 150,000 | 6 - 36 | 0% - 20% | 40% - 60% | Any Purpose | Women, Men, Must be a pensioner | Credit Ins | |||||||
| Low Salary Employees Loan | PKR 20,000 - 150,000 | 6 - 36 | 0% - 20% | 40% - 60% | Any Purpose | Women, Men, Salaried worker | Credit Ins | |||||||
| Individual Loan Against Gold | PKR 35,000 - 150,000 | 3 - 12 | 40% - 60% | 100% | Any Purpose | Women, Men | Credit Ins | |||||||
| Individual Loan Against Cash/Near Cash | PKR 20,000 - 150,000 | 3 - 24 | 0% - 20% | 40% - 60% | Any Purpose | Women, Men | Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Loan | 30.00% annual, Flat | 1 Fee | 0 Ins | None | 10.00% upfront | 88.2% | 102.4% | 29 | ||||||||
| Bonzali Microfinance Loan | 30.00% annual, Flat | 1 Fee | 0 Ins | None | 10.00% upfront | 80.1% - 81.3% | 96.5% - 100.8% | 30 | ||||||||
| Commercial Loan | 30.00% annual, Flat | 1 Fee | 0 Ins | None | 10.00 upfront | 68.4% - 206.6% | 69.7% - 212.3% | 25 | ||||||||
| Personal and Salary Loan | 30.00% annual, Flat | 1 Fee | 0 Ins | None | N/A | 58.6% - 62.1% | 58.6% - 62.1% | 50 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Finance | 26.0%-38.4% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 29.1% - 33.8% | 29.1% - 33.9% | N/A | ||||||||
| Enterprise Finance | 38.4% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 30% - 38.2% | 30% - 38.2% | N/A | ||||||||
| Livestock Finance (Short Term) | 26.0%-38.4% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 27.8% - 40.2% | 27.8% - 40.6% | N/A | ||||||||
| Livestock Finance (Medium Term) | 31.7%-40.9% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 32.1% - 44.6% | 32.1% - 45.1% | N/A | ||||||||
| General Purpose Finance | 26.0%-38.4% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 27.6% - 37.6% | 27.6% - 37.6% | N/A | ||||||||
| Micro Pensioner Loan | 30.0%-32.0% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 30.5% - 36.4% | 30.5% - 36.9% | N/A | ||||||||
| Low Salary Employees Loan | 30.0%-32.0% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 32.2% - 33.6% | 32.2% - 33.6% | N/A | ||||||||
| Individual Loan Against Gold | 24.0% annual, Decl Bal | 2 Fees | 0 Ins | 16.00% fees | N/A | 25.1% - 26.1% | 25.3% - 26.5% | N/A | ||||||||
| Individual Loan Against Cash/Near Cash | 4.0%-20.0% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 4.6% - 25.2% | 4.7% - 26.1% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Loan | 30.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 10.00% upfront | 88.2% | 102.4% | 29 | ||||||||
| Bonzali Microfinance Loan | 30.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 10.00% upfront | 80.1% - 81.3% | 96.5% - 100.8% | 30 | ||||||||
| Commercial Loan | 30.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 10.00 upfront | 68.4% - 206.6% | 69.7% - 212.3% | 25 | ||||||||
| Personal and Salary Loan | 30.00% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 58.6% - 62.1% | 58.6% - 62.1% | 50 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Finance | 26.0%-38.4% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 29.1% - 33.8% | 29.1% - 33.9% | N/A | ||||||||
| Enterprise Finance | 38.4% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 30% - 38.2% | 30% - 38.2% | N/A | ||||||||
| Livestock Finance (Short Term) | 26.0%-38.4% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 27.8% - 40.2% | 27.8% - 40.6% | N/A | ||||||||
| Livestock Finance (Medium Term) | 31.7%-40.9% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 32.1% - 44.6% | 32.1% - 45.1% | N/A | ||||||||
| General Purpose Finance | 26.0%-38.4% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 27.6% - 37.6% | 27.6% - 37.6% | N/A | ||||||||
| Micro Pensioner Loan | 30.0%-32.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 30.5% - 36.4% | 30.5% - 36.9% | N/A | ||||||||
| Low Salary Employees Loan | 30.0%-32.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 32.2% - 33.6% | 32.2% - 33.6% | N/A | ||||||||
| Individual Loan Against Gold | 24.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | 16.00% fees | N/A | 25.1% - 26.1% | 25.3% - 26.5% | N/A | ||||||||
| Individual Loan Against Cash/Near Cash | 4.0%-20.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 4.6% - 25.2% | 4.7% - 26.1% | N/A |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| N (# of Samples) | ||||||
| Total Borrrowers of Samples | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
