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
  2. FUNDESMAG
Please note that the information you are viewing is 160 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

FUNDACION ECOPETROL PARA EL DESARROLLO DEL MAGDALENA MEDIO carrera 27 Nº 44 -41BARRANCABERMEJA, SANTANDER
Data approved: 2011-03-15
Data version: 1
Age of data: 160 months

Product

Agriculture Product 3 of 3 « Prev | Next »

Product

Solidaria Product 2 of 2 « Prev | Next »

Product Summary

Number borrowers2,322
Loan Amount (range)PKR 20,000 - 150,000
Loan Term (range)6 - 12
Other Services (text summary)Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
Annual Interest & Method20.0% annual, Flat
Fees50.00 upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component28.9% - 38.0%
Fee Component0.1% - 1.8%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)34.2% - 38.1%
Transparency Index (min/max)48 - 58
Transparency Index (average)53

Product Summary

192
COP 200,000 - 12,580,000
1 - 36
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Ruedas de Negocio
24.0% annual, Decl Bal
4.50%-7.50% upfront 5,000.00 upfront
6.00% ongoing
None
N/A
 
N/A
30.5% - 40.3% (Int+Fee)
0.7% - 0.8%
0
31.2% - 41.0%
59 - 81
69

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 44,416,614
Portfolio (USD)USD 436,171.15
Active Clients with Loans2,322
Approximate % Female Clients0
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Provided to small farmers.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Women
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 institution3
# Regions for this product1
Regions ActivePunjab

Product Details

Key Statistics
Outstanding portfolio (COP)COP 463,669,627
Portfolio (USD)USD 254,763.53
Active Clients with Loans192
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Destinado a personas naturales y jurídicas de estrato I,II y III, con actividades microempresariales productivas, comerciales, Agropecuarias y de servicios, del sector urbano y rural, con monto inferior a 25 SMLV
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherCapital de Trabajo
Other (2)Compra de Activos
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other trainingx
OtherRuedas de Negocio
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried worker
Must be specific age group
OtherCodeudor con Finca Raiz
Other (2)Codeudor asalariado o independiente
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 20,000
Maximum loan size150,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00030%
PKR 25,000-50,00060%
PKR 50,000-75,0005%
PKR 75,000-150,0005%
Greater than PKR 150,0005%
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average9.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months0
Between 10 and 12 months90%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period1.0 month
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyCOP
Minimum loan sizeCOP 200,000
Maximum loan size12,580,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term36.0 months
Approx average15.0 months
Grace Period
Grace period usage10%
Average grace period6.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest20.00%
Highest quoted nominal interest20.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
Descriptionmembership renewal fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min50
Fixed amount - max50
Reason for variationN/A
Appears on Repayment Sched?Yes
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

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest2.00%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionCOMISION DE MICROCREDITO LEY 590 DEL 2000CIFIN
% of loan amount - min4.50%0
% of loan amount - max7.50%0
OR, Fixed amount - min05,000
Fixed amount - max05,000
Reason for variationN/A
Appears on Repayment Sched?YesYes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionSeguro
% of loan amount - min6.00%
% of loan amount - max6.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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

Agriculture samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 20,000 Generated 2015-06-01 11.9 months N/A PKR 4,028.08 38.1% 31.9% 0.4% 0.0% 0.0% 5.8% 53 - PDF
PKR 25,000 Generated 2015-06-01 11.9 months N/A PKR 5,022.60 38.0% 31.9% 0.3% 0.0% 0.0% 5.8% 53 - PDF
PKR 30,000 Generated 2015-06-01 6.0 months N/A PKR 3,041.78 34.2% 28.9% 0.5% 0.0% 0.0% 4.8% 58 - PDF
PKR 35,000 Generated 2015-06-01 11.9 months N/A PKR 7,011.64 37.9% 31.9% 0.2% 0.0% 0.0% 5.8% 53 - PDF
PKR 45,000 Generated 2015-06-01 11.9 months N/A PKR 9,000.68 37.8% 31.9% 0.2% 0.0% 0.0% 5.7% 53 - PDF
PKR 50,000 Generated 2015-06-01 11.9 months N/A PKR 9,995.21 37.8% 31.9% 0.1% 0.0% 0.0% 5.8% 53 - PDF
PKR 60,000 Generated 2015-06-01 11.9 months N/A PKR 11,984.25 37.7% 31.9% 0.1% 0.0% 0.0% 5.7% 53 - PDF
PKR 75,000 Generated 2015-06-01 11.9 months N/A PKR 14,967.81 37.7% 31.9% 0.1% 0.0% 0.0% 5.7% 53 - PDF

Full Pricing Data

Solidaria samples
Sample 1Sample 2Sample 3
Loan AmountCOP 1,000,000COP 3,300,000COP 4,500,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-03-112011-02-112011-03-11
Loan Term (Months)12.0 months15.0 months24.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component40.3%32.2%30.5%
Insurance Component0.8%0.7%0.7%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)41.0%32.9%31.2%
Transparency Index597377
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
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Solidaria Price Graphs


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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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