2. ASA
Please note that the information you are viewing is 107 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

ASA Pakistan Ltd. T-61, Block-6, PECHS,Karachi, Sindh Pakistan
Data approved: 2013-05-21
Data version: 1
Age of data: -   months 
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Product

Small Business Loan Product 2 of 3 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 20,151,237
Portfolio (USD)USD 205,624.87
Active Clients with Loans689
Approximate % Female Clients0
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity group
Village banking
Self help group
Other
Description
Small Business Loan for Male clients. Enhancing there business. First Time Loan from 30 K to 50 K. For succeeding loan increment of Rs. 10 K each time.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 30,000
Maximum loan size70,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,0000
PKR 25,000-50,00090%
PKR 50,000-75,00010%
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term11.0 months
Longest loan term11.0 months
Approx average11.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeksx
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest42.80%
Highest quoted nominal interest42.80%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionAdmission FeesProcessing Fees
% of loan amount - min00.80%
% of loan amount - max00.80%
OR, Fixed amount - min1000
Fixed amount - max1000
Reason for variationN/AFees is based on Principal Loan Amount. 0.8%
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Small Business Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPKR 30,000PKR 30,000PKR 47,000PKR 45,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-06-272013-07-202013-03-082012-12-04
Loan Term (Months)11.0 months11.0 months11.0 months11.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditPKR 6,940PKR 6,940PKR 10,816PKR 10,360
True Price by Comp       
Interest price component42.3%42.3%42.3%42.3%
Fee Component2.5%2.5%2.2%2.2%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)44.8%44.8%44.5%44.5%
Transparency IndexN/AN/AN/AN/A
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Small Business Loan Price Graphs


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  2. BRAC^P
Please note that the information you are viewing is 107 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

BRAC PAKISTAN House # 397, Street # 13, Sector # F-10/2, Islamabad,PakistanIslamabad, Capital4600
Data approved: 2015-04-30
Data version: 1
Age of data: 107 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.brac.net
Year established2007
Head of InstitutionMuzaffar Ud Din
Regions activeBalochistan, Punjab, Sindh
# Branches68

Total Portfolio (nat'l)PKR 1,208,660,663
Total Portfolio (USD)USD 11,869,047.71
Active clients with loans57,376
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliationsPakistan Microfinance Network, Micro Watch, Mix Market
FundersPakistan Poverty Allivation Fund (PPAF), KIVA

Loan Products » Summary

Micro
53,850 Borrowers
USD 10,301,355.44 Portfolio
Active Product
SME
1,204 Borrowers
USD 1,131,521.12 Portfolio
Active Product
Agri
2,322 Borrowers
USD 436,171.15 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Micro Finance PKR 20,000 - 150,000 6 - 12 100% 40% - 60% Business, Agriculture Women Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
Small Enterpirise Programme (SEP) PKR 150,000 - 500,000 6 - 12 0% - 20% 80% - 100% Business, Agriculture Women, Men, Have business Credit Educ, Tech Asst Visits, Business Training, Other Training
Agriculture PKR 20,000 - 150,000 6 - 12 0% 0% - 20% Agriculture Men Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Finance 22.0% annual, Flat 1 Fee 0 Ins None 10.0% upfront 34.1% - 38.4% 40.1% - 45.9% 51
Small Enterpirise Programme (SEP) 22.0% annual, Flat 1 Fee 0 Ins None N/A 36.6% 43.8% 50
Agriculture 20.0% annual, Flat 1 Fee 0 Ins None N/A 29.4% - 32.3% 34.2% - 38.1% 53
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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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