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Institution

FINCA Microfinance Bank Ltd 387-E, Johar TownLahore, Punjab
Data approved: 2015-04-17
Data version: 2
Age of data: 106 months

Institution

Nwabiagya Rural Bank Limited KumasiAshanti RegionPO Box B170
Data approved: 2013-03-02
Data version: 2
Age of data: 132 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.finca.org.pk
Year established2008
Head of InstitutionMuhammad Mudassar Aqil
Regions activeKhyber Pakhtunkwa, Punjab, Sindh
# Branches100

Total Portfolio (nat'l)PKR 4,435,751,302
Total Portfolio (USD)USD 43,559,077.79
Active clients with loans82,051
Approximate % female clients0% - 20%
Approximate % urban clients60% - 80%
Network affiliationsPakistan Microfinance Network
FundersFINCA Microfinance Cooperatief U.A., Kashf Holdings (Pvt.) Limited, International Finance Corporation (IFC), Triodos Fair Share Fund (TFSF)

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addresshttp://www.nrbank.org
Year established1987
Head of InstitutionNuamah-Danquah Samuel
Regions activeAshanti Region
# Branches7

Total Portfolio (nat'l)GHS 4,463,063.91
Total Portfolio (USD)USD 2,265,514.68
Active clients with loans4,099
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliationsARB Apex Bank, GHAMFIN
FundersSCIMP/IFAD, SPEED, ARB Apex Bank

Loan Products » Summary

KKK
54,626 Borrowers
USD 23,561,566.56 Portfolio
Active Product
SK
3,162 Borrowers
USD 827,172.25 Portfolio
Active Product
RB
11,506 Borrowers
USD 9,262,522.35 Portfolio
Active Product
ZK
7,171 Borrowers
USD 5,298,027 Portfolio
Active Product
KKK
4,654 Borrowers
USD 3,072,572.92 Portfolio
Active Product
MMK
300 Borrowers
USD 110,169.12 Portfolio
Low Volume Product
BKC
574 Borrowers
USD 1,258,651.08 Portfolio
Low Volume Product
BKG
2 Borrowers
USD 7,359.92 Portfolio
Low Volume Product
56 Borrowers
USD 161,036.58 Portfolio
Low Volume Product
Retired Product
KSK
Retired Product
KZK
Retired Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

2,144 Borrowers
USD 209,913.56 Portfolio
Active Product
818 Borrowers
USD 1,426,502.20 Portfolio
Active Product
1,137 Borrowers
USD 629,098.91 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Kamyab Karobari Karza PKR 25,000 - 150,000 3 - 18 0% - 20% 80% - 100% Business Women, Men, Have business Credit Ins
Sunehri Karza PKR 25,000 - 150,000 3 - 24 0% - 20% 60% - 80% Business Women, Men, Have business Credit Ins
Raqam Barwaqt PKR 50,000 - 150,000 12 0% - 20% 80% - 100% Business Women, Men, Have business Credit Ins
Zarai Karza PKR 25,000 - 150,000 3 - 12 0% - 20% 0% Agriculture Women, Men, Have business Credit Ins
Kamyab Kashtkar Karza PKR 25,000 - 150,000 3 - 12 0% 0% Agriculture Women, Men, Have business Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Group Lending GHS 200 - 1,500 6 - 12 40% - 60% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Tech Asst Visits
Micro Enterprise Loan GHS 200 - 10,000 6 - 12 20% - 40% 80% - 100% Business Women, Men, Have business Credit Educ, Tech Asst Visits, Business Training
Susu Loan GHS 200 - 10,000 6 40% - 60% 60% - 80% Business, Other, Petty Traders Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Other Training, Personal hygiene & health education

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Kamyab Karobari Karza 25.0%-30.0% annual, Flat 1 Fee 1 Ins 16.00% fees N/A 42.7% - 55.2% 44.7% - 59.1% 45
Sunehri Karza 24.0%-26.0% annual, Decl Bal 1 Fee 1 Ins 16.00% fees N/A 25.3% - 35.8% 27.3% - 40.9% 72
Raqam Barwaqt 27.0%-28.0% annual, Flat 1 Fee 1 Ins 16.00% fees N/A 30.4% - 32.2% 31.7% - 33.8% 81
Zarai Karza 27.0% annual, Flat 1 Fee 1 Ins 16.00% fees N/A 25.8% - 39.9% 27.2% - 44.7% 86
Kamyab Kashtkar Karza 29.0%-30.0% annual, Flat 1 Fee 1 Ins 16.00% fees N/A 30.6% - 35.5% 31.8% - 38.7% 83

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Lending 28.1% annual, Flat 1 Fee 1 Ins None 20.0% upfront 47.8% 73.3% 38
Micro Enterprise Loan 28.1% annual, Flat 1 Fee 1 Ins None 20.0% upfront 52.2% - 54% 82.1% - 85.9% 33
Susu Loan 28.1% annual, Flat 1 Fee 1 Ins None 33.3% upfront 53.1% - 54% 121.1% - 123.6% 23

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Kamyab Karobari Karza 25.0%-30.0% annual, Flat 1 Fee 1 Ins Ins 16.00% fees N/A 42.7% - 55.2% 44.7% - 59.1% 45
Sunehri Karza 24.0%-26.0% annual, Decl Bal 1 Fee 1 Ins Ins 16.00% fees N/A 25.3% - 35.8% 27.3% - 40.9% 72
Raqam Barwaqt 27.0%-28.0% annual, Flat 1 Fee 1 Ins Ins 16.00% fees N/A 30.4% - 32.2% 31.7% - 33.8% 81
Zarai Karza 27.0% annual, Flat 1 Fee 1 Ins Ins 16.00% fees N/A 25.8% - 39.9% 27.2% - 44.7% 86
Kamyab Kashtkar Karza 29.0%-30.0% annual, Flat 1 Fee 1 Ins Ins 16.00% fees N/A 30.6% - 35.5% 31.8% - 38.7% 83

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Lending 28.1% annual, Flat 1 Fee 1 Ins Ins None 20.0% upfront 47.8% 73.3% 38
Micro Enterprise Loan 28.1% annual, Flat 1 Fee 1 Ins Ins None 20.0% upfront 52.2% - 54% 82.1% - 85.9% 33
Susu Loan 28.1% annual, Flat 1 Fee 1 Ins Ins None 33.3% upfront 53.1% - 54% 121.1% - 123.6% 23
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Key Statistics
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Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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