| 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 | Private 'For-Profit' |
| Is this institution regulated? | Yes |
| Website address | http://www.sccimicrofinance.com/ |
| Year established | 1995 |
| Head of Institution | Mrs. R.Girija |
| Regions active | 0 |
| # Branches | 83 |
| Total Portfolio (nat'l) | INR 892,862,262 |
| Total Portfolio (USD) | USD 19,841,383.60 |
| Active clients with loans | 121,066 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | MFIN |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fortnightly Loan | INR 10,000 - 10,000 | 12 - 13 | 80% - 100% | 60% - 80% | Any Purpose | Women | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Monthly JLG | INR 8,000 - 16,000 | 8 - 10 | 80% - 100% | 60% - 80% | Any Purpose | Women | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Weekly JLG | INR 10,000 - 26,000 | 10 - 13 | 80% - 100% | 60% - 80% | Any Purpose | Women | Credit Educ, Group Mtgs, Credit Ins |
| 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 | 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fortnightly Loan | 0% | 0% | 0% | N/A | ||||||||||
| Monthly JLG | 0% | 0% | 0% | N/A | ||||||||||
| Weekly JLG | 0% | 0% | 0% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fortnightly Loan | 13.5% annual, Flat | 1 Fee | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
| Monthly JLG | 13.5% annual, Flat | 1 Fee | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
| Weekly JLG | 12.5% annual, Flat | 1 Fee | 0 Ins | None | N/A | 0% | 0% | N/A |
| 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 | 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fortnightly Loan | 0% | 0% | 0% | N/A | ||||||||||
| Monthly JLG | 0% | 0% | 0% | N/A | ||||||||||
| Weekly JLG | 0% | 0% | 0% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fortnightly Loan | 13.5% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
| Monthly JLG | 13.5% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
| Weekly JLG | 12.5% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 0% | 0% | N/A |
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| % Products with compulsory deposits |
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