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Institution

FINCA Microfinance Bank Ltd 387-E, Johar TownLahore, Punjab
Data approved: 2013-05-29
Data version: 1
Age of data: -   months 
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Institution

Daan sa Pag-Unlad, Inc. 17 Gallardo St.CataningBalanga City, Bataan2100
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://kmfbank.com
Year established2008
Head of InstitutionMuhammad Mudassar Aqil
Regions activeKhyber Pakhtunkwa, Punjab, Sindh
# Branches46

Total Portfolio (nat'l)PKR 1,388,650,665
Total Portfolio (USD)USD 14,169,904.74
Active clients with loans27,313
Approximate % female clients0% - 20%
Approximate % urban clients80% - 100%
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 TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established1995
Head of InstitutionSusan Layug
Regions active
# Branches14

Total Portfolio (nat'l)PhP 153,670,019
Total Portfolio (USD)USD 3,676,316.24
Active clients with loans59,311
Approximate % female clients60% - 80%
Approximate % urban clients80% - 100%
Network affiliationsAPPEND
Funders

Loan Products » Summary

KKKK
20,347 Borrowers
USD 8,833,420.42 Portfolio
Active Product
KSK
2,459 Borrowers
USD 885,508.86 Portfolio
Active Product
KZK
301 Borrowers
USD 259,684.19 Portfolio
Active Product

Loan Products » Summary

Agriculture
131 Borrowers
USD 105,263.16 Portfolio
Active Product
Group
58,881 Borrowers
USD 3,498,849.28 Portfolio
Active Product
Individual
288 Borrowers
USD 72,200.96 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Kashf Kamyab Karobari Karza PKR 35,000 - 150,000 3 - 18 0% - 20% 80% - 100% Business Women, Men, Have business, If >100,000, condition of owned home or business premises Credit Educ, Credit Ins
Kashf Sunehri Karza PKR 25,000 - 150,000 3 - 24 0% - 20% 80% - 100% Business Women, Men, Have business Credit Educ, Credit Ins
Kashf Zarai Karza PKR 35,000 - 150,000 3 - 9 0% - 20% 0% - 20% Agriculture Women, Men Credit Educ, Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan PHP 10,000 - 150,000 6 0% - 20% 0% - 20% Business Women, Men, Involved in palay production Credit Ins, Formation Program, Provision of Social Services (medical mission, etc.)
Group Loan PHP 5,000 - 50,000 6 80% - 100% 80% - 100% Business Women, Men, Have business Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Formation Program, Provision of Social Services (medical mission, etc.)
Individual Loan PHP 10,000 - 150,000 6 80% - 100% 80% - 100% Business Women, Men, Have business Credit Ins, Business Training, Formation Program, Provision of Social Services (medical mission, etc.)

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Kashf Kamyab Karobari Karza 25.0%-30.0% annual, Decl Bal 1 Fee 1 Ins None N/A 47.4% - 54.9% 50.5% - 58.6% N/A
Kashf Sunehri Karza 24.0%-26.0% annual, Decl Bal 1 Fee 1 Ins None N/A 42.5% - 50.5% 46.4% - 54.5% N/A
Kashf Zarai Karza 27.0% annual, Flat 1 Fee 1 Ins None N/A 27.3% - 31% 29.6% - 35.3% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 32.0% annual, Flat 1 Fee 2 Ins None 5.00% ongoing 41.3% - 43.1% 52.2% - 71.4% 51
Group Loan 32.0% annual, Flat 2 Fees 1 Ins None 5.0% upfront 50.00 ongoing 83.1% 101% - 122.1% 29
Individual Loan 32.0% annual, Flat 2 Fees 1 Ins None 5.0% upfront 50.00 ongoing 81.4% - 88.1% 93.9% - 137.1% 29

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Kashf Kamyab Karobari Karza 25.0%-30.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 47.4% - 54.9% 50.5% - 58.6% N/A
Kashf Sunehri Karza 24.0%-26.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 42.5% - 50.5% 46.4% - 54.5% N/A
Kashf Zarai Karza 27.0% annual, Flat 1 Fee 1 Ins Ins None N/A 27.3% - 31% 29.6% - 35.3% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 32.0% annual, Flat 1 Fee 2 Ins Ins None 5.00% ongoing 41.3% - 43.1% 52.2% - 71.4% 51
Group Loan 32.0% annual, Flat 2 Fees 1 Ins Ins None 5.0% upfront 50.00 ongoing 83.1% 101% - 122.1% 29
Individual Loan 32.0% annual, Flat 2 Fees 1 Ins Ins None 5.0% upfront 50.00 ongoing 81.4% - 88.1% 93.9% - 137.1% 29
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Key Statistics
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