| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.kashf.org |
| Year established | 1996 |
| Head of Institution | Roshaneh Zafar |
| Regions active | Punjab, Sindh |
| # Branches | 167 |
| Total Portfolio (nat'l) | PKR 3,409,106,521 |
| Total Portfolio (USD) | USD 34,786,801.23 |
| Active clients with loans | 306,551 |
| Approximate % female clients | 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Pakistan Microfinance Network |
| Funders | Pakistan Poverty Alleviation Fund, Skool Foundation, MEDA, CIDA |
| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 1997 |
| Head of Institution | P.V. Ravikumar |
| Regions active | |
| # Branches | 8 |
| Total Portfolio (nat'l) | INR 315,140,153 |
| Total Portfolio (USD) | USD 5,946,040.62 |
| Active clients with loans | 36,543 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Kashf Karobar Karza | PKR 20,000 - 60,000 | 12 | 100% | 40% - 60% | Business, Agriculture | Women, Have business, Specific age group | Credit Educ, Business Training, Other Training, Financial Literacy | |||||||
| Kashf ibtad-e- Karobar Karza | PKR 20,000 - 30,000 | 12 | 100% | 0% | Business, Agriculture | Women, Have business, Specific age group | Credit Educ, Business Training, Other Training, Financial Literacy |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | INR 5,000 - 50,000 | 12 - 60 | 80% - 100% | 20% - 40% | Any Purpose | Women | Group Mtgs, Credit Ins, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Kashf Karobar Karza | 20.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 35.5% - 37.7% | 38.2% - 41.3% | N/A | ||||||||
| Kashf ibtad-e- Karobar Karza | 22.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 38.3% - 39.2% | 41.4% - 43% | N/A |
| Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | 0 | 20.2% - 20.6% | 31% - 37.2% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | 19.2% annual, Decl Bal | 1 Fee | 1 Ins | None | 20.0% upfront 50.00 ongoing | 20.2% - 20.6% | 31% - 37.2% | 58 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Kashf Karobar Karza | 20.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 35.5% - 37.7% | 38.2% - 41.3% | N/A | ||||||||
| Kashf ibtad-e- Karobar Karza | 22.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 38.3% - 39.2% | 41.4% - 43% | N/A |
| Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | 0 | 20.2% - 20.6% | 31% - 37.2% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | 19.2% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 20.0% upfront 50.00 ongoing | 20.2% - 20.6% | 31% - 37.2% | 58 |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| N (# of Samples) | ||||||
| Total Borrrowers of Samples | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
