| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.asirvadmicrofinance.co.in/ |
| Year established | 2007 |
| Head of Institution | S.V. Raja Vaidyanathan |
| Regions active | Tamil Nadu |
| # Branches | 64 |
| Total Portfolio (nat'l) | INR 1,024,421,625 |
| Total Portfolio (USD) | USD 19,328,709.91 |
| Active clients with loans | 113,512 |
| Approximate % female clients | 100% |
| Approximate % urban clients | 100% |
| Network affiliations | MFIN, SaDhan |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.thardeep.org |
| Year established | 1998 |
| Head of Institution | Ms. Parsa Pathani |
| Regions active | Sindh |
| # Branches | 151 |
| Total Portfolio (nat'l) | PKR 1,407,060,752 |
| Total Portfolio (USD) | USD 13,817,336.58 |
| Active clients with loans | 100,001 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Pakistan Microfinance Network, Rural Support Programme Network, National Disaster Management Authority |
| Funders | Pakistan Poverty Alleviation Fund (PPAF), USAID, Government Of Sindh, Save the Children |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generation Program Loan | INR 7,500 - 15,000 | 12 - 18 | 80% - 100% | 80% - 100% | Business | Women | Credit Educ, Group Mtgs, Credit Ins |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Enterprise Loans | PKR 5,000 - 100,000 | 3 - 12 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Business Training | |||||||
| Livestock Loans | PKR 5,000 - 70,000 | 6 - 12 | 40% - 60% | 0% - 20% | Business, Livestock | Women, Men, must have livestock or want to purchase livestock | Credit Educ, Business Training | |||||||
| Agriculture Loans | PKR 5,000 - 40,000 | 4 - 8 | 0% - 20% | 0% | Agriculture | Men, Have home or land | Credit Educ |
| Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generation Program Loan | 25.3% - 25.8% | 26.7% - 27.2% | 28.9% - 29.5% | Yes | Yes | Info awaited | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generation Program Loan | 26.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 26.7% - 27.2% | 28.9% - 29.5% | 89 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Enterprise Loans | 18.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 34.4% - 35.6% | 35.1% - 37.6% | 49 | ||||||||
| Livestock Loans | 18.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 18.6% - 21.3% | 18.9% - 21.8% | 91 | ||||||||
| Agriculture Loans | 18.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 20.1% - 21.3% | 20.6% - 24% | 80 |
| Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generation Program Loan | 25.3% - 25.8% | 26.7% - 27.2% | 28.9% - 29.5% | Yes | Yes | Info awaited | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generation Program Loan | 26.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 26.7% - 27.2% | 28.9% - 29.5% | 89 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Enterprise Loans | 18.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 34.4% - 35.6% | 35.1% - 37.6% | 49 | ||||||||
| Livestock Loans | 18.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 18.6% - 21.3% | 18.9% - 21.8% | 91 | ||||||||
| Agriculture Loans | 18.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 20.1% - 21.3% | 20.6% - 24% | 80 |
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