Please note that the information you are viewing is 105 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Kashf Foundation 19-Aibak Block, New Garden TownLahore, Punjab54000
Data approved: 2013-06-19
Data version: 1
Age of data: 105 months

Product

Kashf Karobar Karza Product 1 of 3 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 3,406,650,432
Portfolio (USD)USD 34,761,739.10
Active Clients with Loans306,389
Approximate % Female Clients100%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This is the main product offered by Kashf Foundation and is a productive loan given for investment into a existing business. The starting loan amount is up to Rs. 30,000 and the maximum loan size is Rs. 60,000.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visits
Business trainingx
Other trainingx
OtherFinancial Literacy
Other (2)
No other services
Eligibility
Men
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product2
Regions ActivePunjab, Sindh

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 20,000
Maximum loan size60,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00050%
PKR 25,000-50,00050%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest20.00%
Highest quoted nominal interest20.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionDocumentation Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min400
Fixed amount - max400
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionAccidental and Life Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min200
Fixed amount - max800
Reason for variationLoans under PKR 20,000 charged at 2%. Larger loans charged 2% for first PKR 20,000 and 1% for amount over.
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Kashf Karobar Karza samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPKR 30,000PKR 25,000PKR 50,000PKR 55,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-04-112013-04-092013-06-272013-04-11
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)0.1 months0.0 months0.0 months0.1 months
Total Cost of CreditPKR 6,900PKR 5,850PKR 11,100PKR 12,150
True Price by Comp       
Interest price component34.1%34.5%34.7%34.1%
Fee Component2.5%3.2%1.6%1.4%
Insurance Component3.3%3.6%2.8%2.7%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)39.9%41.3%39.1%38.2%
Transparency IndexN/AN/AN/AN/A
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Kashf Karobar Karza Price Graphs


Please note that the information you are viewing is 169 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Parabank 60 Samed Vurgun strBaku, BakuAZ1022
Data approved: 2012-04-18
Data version: 2
Age of data: 169 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.parabank.az/
Year established1991
Head of InstitutionVali Guliyev
Regions activeAbsheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Orta Kur, Daglig-ShirvanKur
# Branches16

Total Portfolio (nat'l)AZN 64,721,000
Total Portfolio (USD)USD 82,975,641.03
Active clients with loans7,573
Approximate % female clients40% - 60%
Approximate % urban clients0% - 20%
Network affiliations
Funders

Loan Products » Summary

6,236 Borrowers
USD 13,669,682.05 Portfolio
Active Product
2,640 Borrowers
USD 2,472,435.90 Portfolio
Active Product
1,510 Borrowers
USD 21,093,866.67 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Consumer Loans AZN 1,000 - 20,000 3 - 24 20% - 40% 0% - 20% Any Purpose Women, Men, Have home or land, Salaried worker Credit Educ, Credit Ins
Group Loans AZN 500 - 2,000 3 - 18 20% - 40% 0% - 20% Business Women, Men Credit Educ, Group Mtgs, Credit Ins
Micro Loans AZN 1,000 - 20,000 6 - 18 20% - 40% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumer Loans 24.0%-36.0% annual, Decl Bal 1 Fee 0 Ins None N/A 27.8% - 38.1% 27.8% - 38.1% 77
Group Loans 24.0%-36.0% annual, Decl Bal 1 Fee 0 Ins None N/A 24.3% - 37.7% 24.3% - 37.7% 81
Micro Loans 24.0%-36.0% annual, Decl Bal 1 Fee 0 Ins None N/A 33.9% - 43% 33.9% - 43% 63
Institution Price Graph
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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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