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Institution

Farmers Friend Organization 29-A Civil Lines, Opposite Mezan Bank, Sargodha RoadSheikhupura, Punjab39350
Data approved: 2015-05-12
Data version: 2
Age of data: 54 months

Institution

Rural Credit Finance Company Ltd Roberta PlazaPlot 202/203, Hoima RoadKampala, Central RegionPO Box 29632
Data approved: 2011-06-29
Data version: 1
Age of data: 103 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established2003
Head of InstitutionIrfan Khokhar
Regions activePunjab
# Branches17

Total Portfolio (nat'l)PKR 339,632,527
Total Portfolio (USD)USD 3,335,191.42
Active clients with loans22,430
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsPakistan Microfinance Network, Punjab Microfinance Network, Human Resource Development Network
FundersPakistan Poverty Alleviation Fund, ORIX Leasing Pakistan Limited, United States Agency for International Development (USAID)

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established1996
Head of InstitutionKasasa Moses
Regions activeCentral
# Branches4

Total Portfolio (nat'l)UGX 2,245,951,000
Total Portfolio (USD)USD 898,380.40
Active clients with loans5,557
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliationsAMFIU
FundersStromme, Oikocredit

Loan Products » Summary

12,289 Borrowers
USD 1,868,329.28 Portfolio
Active Product
9,912 Borrowers
USD 1,440,977.80 Portfolio
Active Product
229 Borrowers
USD 25,884.33 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

1,162 Borrowers
USD 91,200 Portfolio
Active Product
2,796 Borrowers
USD 203,600 Portfolio
Active Product
229 Borrowers
USD 43,200 Portfolio
Active Product
1,369 Borrowers
USD 559,681 Portfolio
Active Product

Loan Products » Conditions

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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Group Lending UGX 100,000 - 1,000,000 6 40% - 60% 0% - 20% Any Purpose Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Commercial Group Loans UGX 100,000 - 3,000,000 4 - 6 80% - 100% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Emergency Loan UGX 200,000 - 1,000,000 1 20% - 40% 60% - 80% Any Purpose Women, Men, Have business, Salaried worker Credit Educ
Individual Business loans UGX 500,000 - 15,000,000 4 - 10 40% - 60% 60% - 80% Business Women, Men, Have business, Salaried worker Credit Educ, Credit Ins

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Group Lending 38.40% annual, Flat 2 Fees 1 Ins None N/A 84.9% - 90.7% 90.4% - 96.3% 41
Commercial Group Loans 45.60% annual, Flat 2 Fees 1 Ins None N/A 106.5% - 112% 113.3% - 118.9% 39
Emergency Loan 60.00% annual, Flat 2 Fees 0 Ins None N/A 103.8% - 157.1% 103.8% - 157.1% 48
Individual Business loans 48.00% annual, Flat 2 Fees 1 Ins None N/A 89.5% - 96.4% 92.3% - 100.6% 49

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Group Lending 38.40% annual, Flat 2 Fees 1 Ins Ins None N/A 84.9% - 90.7% 90.4% - 96.3% 41
Commercial Group Loans 45.60% annual, Flat 2 Fees 1 Ins Ins None N/A 106.5% - 112% 113.3% - 118.9% 39
Emergency Loan 60.00% annual, Flat 2 Fees 0 Ins Ins None N/A 103.8% - 157.1% 103.8% - 157.1% 48
Individual Business loans 48.00% annual, Flat 2 Fees 1 Ins Ins None N/A 89.5% - 96.4% 92.3% - 100.6% 49
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