| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.damen-pk.org |
| Year established | 1992 |
| Head of Institution | Ms. Naghma Rashid |
| Regions active | Punjab |
| # Branches | 20 |
| Total Portfolio (nat'l) | PKR 683,062,976 |
| Total Portfolio (USD) | USD 6,970,030.37 |
| Active clients with loans | 35,219 |
| Approximate % female clients | 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | Pakistan Microfinance Network, Pakistan Poverty Alleviation Fund, Pakistan Center for Philanthropy |
| Funders | Pakistan Poverty Alleviation Fund |
| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 1989 |
| Head of Institution | Romulo R. Ocubillo |
| Regions active | |
| # Branches | 3 |
| Total Portfolio (nat'l) | PhP 62,000,000 |
| Total Portfolio (USD) | USD 1,483,253.59 |
| Active clients with loans | 5,200 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | NATCCO, VICTO NATIONAL |
| Funders | UCPB-CIIF, SEEDFinance, Landbank, SBC |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loan | PKR 20,000 - 75,000 | 12 - 18 | 100% | 20% - 40% | Business | Women, Have business, Have home or land, Specific age group | Credit Educ, Group Mtgs, Business Training, Other Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SUMMED (Scaling Up Micro-Finance Management and Entrepreneurial Development) | PHP 1,000 - 150,000 | 1 - 12 | 60% - 80% | 0% - 20% | Business | Women, Men | Credit Educ, Credit Ins, Tech Asst Visits, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loan | 34.7% annual, Decl Bal | 1 Fee | 0 | None | N/A | 38.4% - 40.2% | 38.4% - 40.2% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SUMMED (Scaling Up Micro-Finance Management and Entrepreneurial Development) | 36.0%-48.0% annual, Flat | 2 Fees | 1 Ins | None | 4.00% ongoing | 82.3% - 100.9% | 88.4% - 121.4% | 35 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loan | 34.7% annual, Decl Bal | 1 Fee | 0 | None | N/A | 38.4% - 40.2% | 38.4% - 40.2% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SUMMED (Scaling Up Micro-Finance Management and Entrepreneurial Development) | 36.0%-48.0% annual, Flat | 2 Fees | 1 Ins Ins | None | 4.00% ongoing | 82.3% - 100.9% | 88.4% - 121.4% | 35 |
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