| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 2003 |
| Head of Institution | Irfan Khokhar |
| Regions active | Punjab |
| # Branches | 17 |
| Total Portfolio (nat'l) | PKR 339,632,527 |
| Total Portfolio (USD) | USD 3,335,191.42 |
| Active clients with loans | 22,430 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Pakistan Microfinance Network, Punjab Microfinance Network, Human Resource Development Network |
| Funders | Pakistan Poverty Alleviation Fund, ORIX Leasing Pakistan Limited, United States Agency for International Development (USAID) |
| Institution Type | RurBank |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 1999 |
| Head of Institution | Paul Kojo Kombian |
| Regions active | Greater Accra Region, Central Region |
| # Branches | 7 |
| Total Portfolio (nat'l) | GHS 4,652,554 |
| Total Portfolio (USD) | USD 2,361,702.54 |
| Active clients with loans | 3,831 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | ARB APEX, GHAMFIN, Freedom from Hunger |
| Funders | OikoCredit, SPEED Ghana, ARB APEX Bank |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Principle Loan | PKR 15,000 - 75,000 | 12 - 18 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business, Specific age group | Group Mtgs, Credit Ins | |||||||
| Principle Loan Village Banking | PKR 15,000 - 75,000 | 12 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business, Specific age group | Group Mtgs, Credit Ins |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | GHS 500 - 3,000 | 4 - 6 | 80% - 100% | 80% - 100% | Business | Women, Men, Have business | Credit Educ, Group Mtgs | |||||||
| Salary Loan | GHS 200 - 25,000 | 1 - 12 | 40% - 60% | 60% - 80% | Business, Education | Women, Men, Have business, Salaried worker | Credit Educ, Business Training | |||||||
| Business Loan | GHS 200 - 25,000 | 1 - 12 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Business Training | |||||||
| Mobile Banking Loan | GHS 200 - 25,000 | 1 - 12 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Principle Loan | 16.0%-20.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 44.4% - 44.6% | 44.4% - 44.6% | 36 | ||||||||
| Principle Loan Village Banking | 20.0% annual, Flat | 1 Fee | 0 Ins | None | 5.0% upfront | 44.6% | 48.9% | 41 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 48.00% annual, Flat | 2 Fees | 0 Ins | None | 10.00% upfront | 103.1% - 106% | 123.7% - 127.3% | 38 | ||||||||
| Salary Loan | 32.00% annual, Flat | 2 Fees | 0 Ins | None | N/A | 57.3% - 73.4% | 57.3% - 73.4% | 47 | ||||||||
| Business Loan | 35.00% annual, Flat | 2 Fees | 0 Ins | None | N/A | 68.2% - 68.7% | 68.2% - 68.7% | 51 | ||||||||
| Mobile Banking Loan | 48.00% annual, Flat | 2 Fees | 0 Ins | None | 10.00% upfront | 104.9% - 107.4% | 127.1% - 130.5% | 37 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Principle Loan | 16.0%-20.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 44.4% - 44.6% | 44.4% - 44.6% | 36 | ||||||||
| Principle Loan Village Banking | 20.0% annual, Flat | 1 Fee | 0 Ins Ins | None | 5.0% upfront | 44.6% | 48.9% | 41 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 48.00% annual, Flat | 2 Fees | 0 Ins Ins | None | 10.00% upfront | 103.1% - 106% | 123.7% - 127.3% | 38 | ||||||||
| Salary Loan | 32.00% annual, Flat | 2 Fees | 0 Ins Ins | None | N/A | 57.3% - 73.4% | 57.3% - 73.4% | 47 | ||||||||
| Business Loan | 35.00% annual, Flat | 2 Fees | 0 Ins Ins | None | N/A | 68.2% - 68.7% | 68.2% - 68.7% | 51 | ||||||||
| Mobile Banking Loan | 48.00% annual, Flat | 2 Fees | 0 Ins Ins | None | 10.00% upfront | 104.9% - 107.4% | 127.1% - 130.5% | 37 |
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