| 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) |
| 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 | 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 |
| Outstanding portfolio (UGX) | UGX 281,584,105 |
| Portfolio (USD) | USD 127,993 |
| Active Clients with Loans | 222 |
| Approximate % Female Clients | 0% - 20% |
| Approximate % Urban Clients | 40% - 60% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | |
| Mortgage/housing | |
| Consumer loan | x |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | Acquire Business or Personal Assets |
| Other (2) |
| Credit education | x |
| Group meetings | x |
| Credit insurance | |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | x |
| Must be specific age group | |
| Other | Must have reliable source of income to service the loan |
| Other (2) | The asset becomes part of loan security |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Key Statistics | |
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| Loan Portfolio (USD) | |
| % Products using declining balance | |
| % Products with one or more fee | |
| % Products with one or more insurances | |
| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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