Outstanding portfolio (PKR) | PKR 1,120,243,405 |
Portfolio (USD) | USD 11,000,790.24 |
Active Clients with Loans | 82,054 |
Approximate % Female Clients | 20% - 40% |
Approximate % Urban Clients | 40% - 60% |
Individual | |
Solidarity group | x |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | x |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | x |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 6 |
# Regions for this product | 6 |
Regions Active | Azad Kashmir, Balochistan, Islambad Capital Territory, Khyber Pakhtunkwa, Punjab, Sindh |
Currency | PKR |
Minimum loan size | PKR 15,000 |
Maximum loan size | 50,000 |
Loans less than PKR 10,000 | 0 |
PKR 10,000-25,000 | 80% |
PKR 25,000-50,000 | 20% |
PKR 50,000-75,000 | 0 |
PKR 75,000-150,000 | 0 |
Greater than PKR 150,000 | 0 |
Shortest loan term | 3.0 months |
Longest loan term | 12.0 months |
Approx average | 11.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 10% |
Between 10 and 12 months | 90% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 31.00% |
Highest quoted nominal interest | 31.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Processing Fee |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 800 |
Fixed amount - max | 1,000 |
Reason for variation | Loan =<PKR 30,000= 800, > 30,000 and = 50,000 = 1000 |
Appears on Repayment Sched? | No |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | Yes |
Percentage of fees | 16% |
All or some fees taxed | Some |
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 | Generated | 2015-06-01 | 9.0 months | N/A | PKR 2,938.15 | 46.6% | 30.6% | 13.7% | 0.0% | 2.3% | 0.0% | 67 | - | |
PKR 18,000 | Generated | 2015-06-01 | 12.0 months | N/A | PKR 4,099.58 | 40.9% | 30.6% | 8.9% | 0.0% | 1.4% | 0.0% | 76 | - | |
PKR 20,000 | Generated | 2015-06-01 | 12.0 months | N/A | PKR 4,451.98 | 39.9% | 30.6% | 8.0% | 0.0% | 1.3% | 0.0% | 78 | - | |
PKR 22,000 | Generated | 2015-06-01 | 12.0 months | N/A | PKR 4,804.38 | 39.0% | 30.6% | 7.2% | 0.0% | 1.2% | 0.0% | 79 | - | |
PKR 24,000 | Generated | 2015-06-01 | 12.0 months | N/A | PKR 5,156.78 | 38.3% | 30.6% | 6.6% | 0.0% | 1.1% | 0.0% | 81 | - | |
PKR 25,000 | Generated | 2015-06-01 | 12.0 months | N/A | PKR 5,332.98 | 38.0% | 30.6% | 6.3% | 0.0% | 1.1% | 0.0% | 82 | - | |
PKR 30,000 | Generated | 2015-06-01 | 12.0 months | N/A | PKR 6,445.97 | 38.3% | 30.6% | 6.6% | 0.0% | 1.1% | 0.0% | 81 | - | |
PKR 40,000 | Generated | 2015-06-01 | 12.0 months | N/A | PKR 8,207.96 | 36.3% | 30.6% | 4.9% | 0.0% | 0.8% | 0.0% | 85 | - |
Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
---|---|---|---|---|
KBL | 468,300 | 120,082,000 | 16 | 107 |
KF | 233,600 | 41,416,000 | 4 | 106 |
NRSP | 399,900 | 70,157,000 | 3 | 107 |
ASA | 230,400 | 29,637,000 | 3 | 107 |
TMFB | 221,200 | 85,449,000 | 7 | 107 |
FMFB | 163,544 | 38,481,323 | 9 | 125 |
TRDP | 100,000 | 13,817,000 | 3 | 107 |
PRSP | 75,656 | 9,907,176 | 3 | 125 |
BRAC^P | 57,300 | 11,869,000 | 3 | 107 |
SRSO | 51,100 | 7,775,000 | 3 | 107 |
SSF | 46,000 | 4,776,000 | 3 | 107 |
FINCA | 82,000 | 43,559,000 | 9 | 107 |
JWS | 36,000 | 6,545,000 | 2 | 107 |
RCDS | 35,552 | 4,856,122 | 4 | 125 |
DAMEN | 35,185 | 7,150,864 | 1 | 125 |
FFO | 22,400 | 3,335,000 | 3 | 107 |
OLP | 21,400 | 3,510,000 | 3 | 107 |
CSC | 17,600 | 3,147,000 | 1 | 107 |
AMRDO | 13,800 | 1,206,000 | 5 | 107 |
WMBL | 13,800 | 6,105,000 | 3 | 107 |
Mojaz | 13,400 | 2,415,000 | 2 | 107 |
SDF | 11,500 | 1,041,000 | 4 | 107 |
POMFB | 8,500 | 2,795,000 | 4 | 107 |
OPD | 7,500 | 918,000 | 2 | 107 |
AGAHE | 7,300 | 797,000 | 2 | 107 |
NRDP | 6,184 | 1,521,972 | 3 | 125 |
GBTI | 6,100 | 669,000 | 3 | 125 |
WASIL | 4,300 | 1,135,000 | 2 | 107 |
Micro Options | 4,000 | 768,000 | 5 | 107 |
VDO | 3,900 | 489,000 | 3 | 125 |
SVDP | 3,900 | 811,000 | 13 | 125 |
SRDO | 3,500 | 766,000 | 4 | 107 |
OSDI | 2,000 | 923,000 | 3 | 107 |
APMBL | 1,800 | 1,401,000 | 3 | 107 |
BEDF | 1,400 | 209,000 | 3 | 125 |
KCDO | 800 | 94,000 | 1 | 125 |
Key Statistics | |
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# 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 |
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