Institution Type | Bank |
Is this institution regulated? | Yes |
Website address | http://www.finca.org.pk |
Year established | 2008 |
Head of Institution | Muhammad Mudassar Aqil |
Regions active | Khyber Pakhtunkwa, Punjab, Sindh |
# Branches | 100 |
Total Portfolio (nat'l) | PKR 4,435,751,302 |
Total Portfolio (USD) | USD 43,559,077.79 |
Active clients with loans | 82,051 |
Approximate % female clients | 0% - 20% |
Approximate % urban clients | 60% - 80% |
Network affiliations | Pakistan Microfinance Network |
Funders | FINCA Microfinance Cooperatief U.A., Kashf Holdings (Pvt.) Limited, International Finance Corporation (IFC), Triodos Fair Share Fund (TFSF) |
Institution Type | Credit Union / Cooperative |
Is this institution regulated? | No |
Website address | N/A |
Year established | 1996 |
Head of Institution | MARILOU BANDING |
Regions active | |
# Branches | 10 |
Total Portfolio (nat'l) | PhP 79,034,409.97 |
Total Portfolio (USD) | USD 1,890,775.36 |
Active clients with loans | 12,093 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 0% - 20% |
Network affiliations | LZMCN, Philippine Federation of Credit Coopertives, Philippine Federation of Women In Coopertaives, COOP LIFE Assurance Society of the Philippines |
Funders | Oikocredit, Seedfinance, Landbank of the Philippines (LBP), NLDC |
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 |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Individual Loan | PHP 5,000 - 300,000 | 6 - 12 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business, Salaried worker, Specific age group, 18-69 y.o., CI/BI | Credit Educ, Credit Ins, Tech Asst Visits, Business Training | |||||||
KAPA Loan | PHP 10,000 - 40,000 | 3 - 6 | 80% - 100% | 0% - 20% | Agriculture | Women, Men, Have business, Have home or land, Specific age group, 18-69 y.o., CI/BI | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
Life Protection Loan | PHP 1,380 - 1,380 | 4 - 8 | 80% - 100% | 0% - 20% | Life Insurance | Women, Men, Specific age group, 18-64 y.o, CI/BI | Credit Educ, Credit Ins, Tech Asst Visits, Business Training | |||||||
Trinity Loan | PHP 6,200 - 12,400 | 2 - 12 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business, Have home or land, Specific age group, 18-69 y.o. , CI/BI | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training |
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 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Individual Loan | 36.0% annual, Flat | 2 Fees | 1 Ins | None | 20.0% upfront 80.00 ongoing | 41% - 69.2% | 40.8% - 121.3% | 47 | ||||||||
KAPA Loan | 36.0% annual, Flat | 2 Fees | 1 Ins | None | 5.0% upfront 90.00 ongoing | 37% - 53.6% | 45.5% - 69% | 63 | ||||||||
Life Protection Loan | 18.0% annual, Flat | 2 Fees | 0 Ins | None | 100.00 upfront | 34.1% | 45.2% | 40 | ||||||||
Trinity Loan | 21.0%-60.0% annual, Flat | 2 Fees | 1 Ins | None | 20.0% upfront 80.00 ongoing | 49.7% | 104.4% | 20 |
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 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Individual Loan | 36.0% annual, Flat | 2 Fees | 1 Ins Ins | None | 20.0% upfront 80.00 ongoing | 41% - 69.2% | 40.8% - 121.3% | 47 | ||||||||
KAPA Loan | 36.0% annual, Flat | 2 Fees | 1 Ins Ins | None | 5.0% upfront 90.00 ongoing | 37% - 53.6% | 45.5% - 69% | 63 | ||||||||
Life Protection Loan | 18.0% annual, Flat | 2 Fees | 0 Ins Ins | None | 100.00 upfront | 34.1% | 45.2% | 40 | ||||||||
Trinity Loan | 21.0%-60.0% annual, Flat | 2 Fees | 1 Ins Ins | None | 20.0% upfront 80.00 ongoing | 49.7% | 104.4% | 20 |
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