| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.asmithamicrofin.com/ |
| Year established | 2001 |
| Head of Institution | Dr. Vidya Sravanthi |
| Regions active | Andhra Pradesh, Bihar, Chhattisgarh, Goa, GujaratJharkhand, Karnataka, Madhya Pradesh, Maharashtra, Orissa, Rajasthan, Tamil Nadu, Uttar Pradesh, West Bengal |
| # Branches | 509 |
| Total Portfolio (nat'l) | INR 12,057,425,495 |
| Total Portfolio (USD) | USD 227,498,594.20 |
| Active clients with loans | 1,136,100 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Sa-Dhan, MFIN, AKMI, MIX Market |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.agahe.org.pk/ |
| Year established | 2001 |
| Head of Institution | Mubarak Ali Sarwar |
| Regions active | Punjab |
| # Branches | 5 |
| Total Portfolio (nat'l) | PKR 81,185,156 |
| Total Portfolio (USD) | USD 797,238.23 |
| Active clients with loans | 7,365 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Punjab Micro Finance Network, Human Resource Development Network, Punjab NGO Coordination Council, Pakistan Center for Philanthropy |
| Funders | Pakistan Poverty Alleviation Fund, Water Aid, IOM, UN-OCHA / ERF |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joint Laibility Group Loan (JLG Loan) | INR 14,999 - 35,000 | 12 - 24 | 80% - 100% | 0% - 20% | Business | Women, Have business, Have home or land, Low HH Inc, Med HH Inc, Rural HH, Urban HH | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Other Training, National Pension Scheme collabaration with LIC. |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loans | PKR 15,000 - 30,000 | 12 | 80% - 100% | 0% - 20% | Business, Agriculture | Women, Men, Have business, Have home or land, Salaried worker, Specific age group | Group Mtgs, Credit Ins, Business Training |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joint Laibility Group Loan (JLG Loan) | 25.7% - 26% | 26.8% - 28.1% | 29.3% - 30.5% | Yes | Yes | Yes | 92 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joint Laibility Group Loan (JLG Loan) | 24.0%-26.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 26.8% - 28.1% | 29.3% - 30.5% | 80 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loans | 20.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 37.3% - 37.6% | 39.3% - 39.6% | 50 |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joint Laibility Group Loan (JLG Loan) | 25.7% - 26% | 26.8% - 28.1% | 29.3% - 30.5% | Yes | Yes | Yes | 92 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joint Laibility Group Loan (JLG Loan) | 24.0%-26.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 26.8% - 28.1% | 29.3% - 30.5% | 80 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loans | 20.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 37.3% - 37.6% | 39.3% - 39.6% | 50 |
| 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 ∞ | ||||||
