| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.cranmicrofinance.org |
| Year established | 1993 |
| Head of Institution | Dr. Patrick Agbesingale |
| Regions active | Central Region, Western Region, Volta Region |
| # Branches | 5 |
| Total Portfolio (nat'l) | GHS 2,008,192 |
| Total Portfolio (USD) | USD 1,019,386.80 |
| Active clients with loans | 3,613 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | GHAMFIN, ASSFIN, GAMC |
| Funders | CORDAID, TERA JANE, KIVA |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.orixpakistan.com |
| Year established | 1986 |
| Head of Institution | Mr. Teizoon Kisat |
| Regions active | Punjab, Sindh |
| # Branches | 8 |
| Total Portfolio (nat'l) | PKR 357,434,488 |
| Total Portfolio (USD) | USD 3,510,006.67 |
| Active clients with loans | 21,415 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | Pakistan Microfinance Network (PMN) |
| Funders | Pakistan Poverty Alleviation Fund (PPAF) |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loans | GHS 200 - 3,000 | 4 - 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Savings promotion | |||||||
| Individual Loan | GHS 200 - 10,000 | 6 - 12 | 60% - 80% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Credit Ins, Savings promotion |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Microcredit Productive Loans | PKR 20,000 - 50,000 | 12 | 100% | 20% - 40% | Business | Women | ||||||||
| NGO Linkages | PKR 10,000 - 50,000 | 12 | 60% - 80% | 60% - 80% | Business | Women, Men |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loans | 42.00% annual, Flat | 1 Fee | 1 Ins | None | 20.00% upfront | 73.3% - 73.5% | 112.8% - 114% | 37 | ||||||||
| Individual Loan | 42.00% annual, Flat | 1 Fee | 1 Ins | None | 20.00% upfront | 72.3% - 73.5% | 106.1% - 112% | 37 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Microcredit Productive Loans | 20.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 38.6% - 40.1% | 39.8% - 41.7% | 49 | ||||||||
| NGO Linkages | 12.0% annual, Flat | 0 Fees | 0 Ins | None | N/A | 21.3% | 21.3% | 56 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loans | 42.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.00% upfront | 73.3% - 73.5% | 112.8% - 114% | 37 | ||||||||
| Individual Loan | 42.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.00% upfront | 72.3% - 73.5% | 106.1% - 112% | 37 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Microcredit Productive Loans | 20.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 38.6% - 40.1% | 39.8% - 41.7% | 49 | ||||||||
| NGO Linkages | 12.0% annual, Flat | 0 Fees | 0 Ins Ins | None | N/A | 21.3% | 21.3% | 56 |
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