2. KF
Please note that the information you are viewing is 106 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: 106 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.kashf.org
Year established1996
Head of InstitutionRoshaneh Zafar
Regions activePunjab, Sindh
# Branches167

Total Portfolio (nat'l)PKR 3,409,106,521
Total Portfolio (USD)USD 34,786,801.23
Active clients with loans306,551
Approximate % female clients100%
Approximate % urban clients40% - 60%
Network affiliationsPakistan Microfinance Network
FundersPakistan Poverty Alleviation Fund, Skool Foundation, MEDA, CIDA

Loan Products » Summary

KKK
306,389 Borrowers
USD 34,761,739.10 Portfolio
Active Product
KIKK
161 Borrowers
USD 24,041.72 Portfolio
Active Product
KSS
1 Borrowers
USD 1,020.41 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

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

Loan Products » Pricing Information

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
Institution Price Graph
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  2. BSEI
Please note that the information you are viewing is 151 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Banco San Enrique, Inc. G/F Iloilo Medical Center, Bonifacio DriveIloilo City, Iloilo/Region VI5000
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Product

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Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 2,774,974
Portfolio (USD)USD 66,386.94
Active Clients with Loans540
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
An Individual Loan Product using the Micro Enterprise Access to Banking Service (MABS) Methodology. Aimed at micro-entrepreneurs providing them access to fast credit and affordable funds as additional capital for their micro-enterprise expansion.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 3,000
Maximum loan size28,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term6.0 months
Approx average3.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Dailyx
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest40.00%
Highest quoted nominal interest44.00%
Reason(s) why interest rate variesN/A
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionService Charge
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Life Insurance
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
Ins 1
DescriptionMutual Fund
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min10
Fixed amount - max10
Reason for variationN/A
Appears on Repayment Sched?No
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount depositedPHP 500
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 50
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid2.00%
Maximum interest rate paid2.00%
Interest payment frequencyQuarterly
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A

Full Pricing Data

Fast Cash samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 3,000PHP 8,000PHP 15,000PHP 27,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-05-152011-07-282011-06-272011-07-14
Loan Term (Months)5.6 months5.6 months5.6 months5.6 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component92.4%84.6%83.4%83.4%
Insurance Component34.0%15.8%10.6%7.9%
Tax Component2.4%2.3%2.3%2.3%
Deposit Component121.4%27.6%12.6%6.5%
Full APR (int fee ins tax dep)250.2%130.3%109.0%100.2%
Transparency Index16313740
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Fast Cash Price Graphs


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