2. KBL
Please note that the information you are viewing is 107 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Khushhali Bank Limited 4th Floor, 94 west, Jinnah AvenueIslamabad, Federal44000
Data approved: 2015-04-20
Data version: 2
Age of data: 107 months
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Product

Khushhali Karza - Bullet (Group Based Lending) Product 1 of 16 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 8,055,709,883
Portfolio (USD)USD 79,107,071.05
Active Clients with Loans343,540
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Khushhali Karza-Bullet ( Group Based Lending)
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
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 institution6
# Regions for this product6
Regions ActiveAzad Kashmir, Balochistan, Islambad Capital Territory, Khyber Pakhtunkwa, Punjab, Sindh

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 15,000
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00080%
PKR 25,000-50,00020%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average10.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months10%
Between 10 and 12 months90%
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
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest31.00%
Highest quoted nominal interest31.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min800
Fixed amount - max1,000
Reason for variationLoan =<PKR 30,000= 800, > 30,000 and = 50,000 = 1000
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
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?Yes
Percentage of fees16%
All or some fees taxedSome

Full Pricing Data

Khushhali Karza - Bullet (Group Based Lending) samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 15,000 Real 2014-08-18 9.4 months N/A PKR 4,235 33.5% 25.3% 7.0% 0.0% 1.2% 0.0% 93 PDF PDF
PKR 15,000 Generated 2015-06-01 8.3 months N/A PKR 4,138.41 37.4% 28.1% 7.9% 0.0% 1.4% 0.0% 83 - PDF
PKR 25,000 Real 2015-04-18 7.5 months N/A PKR 5,815 34.8% 28.7% 5.3% 0.0% 0.8% 0.0% 89 PDF PDF
PKR 25,000 Generated 2015-06-01 7.2 months N/A PKR 5,578 34.8% 28.4% 5.5% 0.0% 0.9% 0.0% 89 - PDF
PKR 15,000 Generated 2015-06-01 8.9 months N/A PKR 4,367.73 36.6% 27.9% 7.4% 0.0% 1.3% 0.0% 85 - PDF
PKR 18,000 Generated 2015-06-01 11.8 months N/A PKR 6,431.56 32.4% 27.1% 4.6% 0.0% 0.7% 0.0% 96 - PDF
PKR 20,000 Generated 2015-06-01 11.8 months N/A PKR 7,043.07 31.9% 27.1% 4.1% 0.0% 0.7% 0.0% 97 - PDF
PKR 25,000 Generated 2015-06-01 11.8 months N/A PKR 8,571.84 30.9% 27.1% 3.3% 0.0% 0.5% 0.0% 100 - PDF
PKR 30,000 Generated 2015-06-01 8.9 months N/A PKR 8,039.45 33.3% 27.9% 4.6% 0.0% 0.8% 0.0% 93 - PDF
PKR 40,000 Generated 2015-06-01 11.8 months N/A PKR 13,390.14 30.0% 27.1% 2.5% 0.0% 0.4% 0.0% 100 - PDF
Khushhali Karza - Bullet (Group Based Lending) Price Graphs


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  2. FASL
Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

First Allied Savings and Loans Limited Box 5308OTB 662 Asomfo Road, AdumKumasi, Ashanti
Data approved: 2013-07-15
Data version: 1
Age of data: 132 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.firstalliedghana.com
Year established1996
Head of InstitutionNana Yaw Oduro
Regions activeGreater Accra Region, Central Region, Western Region, Eastern Region, Ashanti Region, Brong Ahafo Region
# Branches21

Total Portfolio (nat'l)GHS 27,673,204.91
Total Portfolio (USD)USD 14,047,312.14
Active clients with loans13,585
Approximate % female clients40% - 60%
Approximate % urban clients60% - 80%
Network affiliationsGhana Microfinance Institutions Network, Ghana Employers Association, Ghana National Chamber of Commerce and Industry
Funders

Loan Products » Summary

Golden
3,885 Borrowers
USD 5,006,432.72 Portfolio
Active Product
Commercial
1,134 Borrowers
USD 4,846,607.27 Portfolio
Active Product
Salary
889 Borrowers
USD 304,184.65 Portfolio
Active Product
Super
94 Borrowers
USD 605,463.74 Portfolio
Active Product
Fast Track
239 Borrowers
USD 258,549.42 Portfolio
Active Product
Travel
90 Borrowers
USD 158,851.49 Portfolio
Active Product
Distance
6,833 Borrowers
USD 2,230,976.56 Portfolio
Active Product
Premium
421 Borrowers
USD 636,246.30 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Golden Susu Loans GHS 500 - 10,000 3 - 12 40% - 60% 60% - 80% Business Women, Men, Have business Business Training, Other Training
Commercial Loans GHS 1,000 - 300,000 1 - 24 40% - 60% 60% - 80% Business Women, Men, Have business Business Training, Other Training
Salary Loans GHS 200 - 50,000 1 - 36 20% - 40% 60% - 80% Consumer, Education, Other Women, Men, Salaried worker Other Training
Super Golden Susu GHS 10,500 - 50,000 3 - 12 40% - 60% 60% - 80% Business Women, Men, Have business Other Training
Fast Track Susu GHS 2,000 - 10,000 3 - 6 40% - 60% 60% - 80% Business Women, Men, Have business Business Training, Other Training
Travel Loans GHS 2,000 - 10,000 3 - 6 40% - 60% 100% Other Women, Men, Have business, Salaried worker Business Training, Other Training
Distance Banking GHS 1,500 - 10,000 3 - 12 40% - 60% 20% - 40% Business, Agriculture Women, Men, Have business Group Mtgs, Business Training, Other Training
Premium Golden Susu GHS 1,500 - 50,000 3 - 12 40% - 60% 20% - 40% Business, Agriculture Women, Men, Have business Business Training, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Golden Susu Loans 36.0% annual, Flat 1 Fee 0 Ins None 20.0%-25.0% upfront 65.6% - 68.3% 105.1% - 111.1% 33
Commercial Loans 31.0%-41.0% annual, Flat 1 Fee 0 Ins None 5.0%-25.0% upfront 70.6% - 72.2% 91.1% - 116.2% 29
Salary Loans 19.0%-28.0% annual, Flat 1 Fee 0 Ins None N/A 32.8% - 51.1% 32.8% - 51.1% 46
Super Golden Susu 36.0% annual, Flat 1 Fee 0 Ins None 5.0%-25.0% upfront 63.5% - 64.7% 101.5% - 105% 34
Fast Track Susu 36.0% annual, Flat 1 Fee 0 Ins None 20.0%-25.0% upfront 66.7% - 68.3% 107.7% - 111% 32
Travel Loans 44.0%-48.0% annual, Flat 1 Fee 0 Ins None 15.0%-25.0% upfront 49.4% - 53% 57.7% - 61.9% 74
Distance Banking 36.0% annual, Flat 1 Fee 0 Ins None 10.0%-25.0% upfront 67.3% - 68.7% 109.4% - 111.6% 32
Premium Golden Susu 36.0% annual, Flat 1 Fee 0 Ins None 10.0%-25.0% upfront 65.5% - 74.4% 104.9% - 125.8% 32
Institution Price Graph
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Key Statistics
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# Products
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# 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
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