2. KBL
Please note that the information you are viewing is 109 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Yehu
Please note that the information you are viewing is 136 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: 109 months
Choose version

Institution

Yehu Microfinance Trust PO Box 82120Mombasa
Data approved: 2013-09-13
Data version: 2
Age of data: 136 months
Choose version
  • No previous version for this product.

Product

Khushhali Cash Sahulat Land-Bullet Product 5 of 16 « Prev | Next »

Product

Mabati Loan Product 6 of 12 « Prev | Next »

Product Summary

Number borrowers2,583
Loan Amount (range)PKR 25,000 - 150,000
Loan Term (range)3 - 12
Other Services (text summary)Credit Ins
Annual Interest & Method25.0% annual, Decl Bal
Fees1,000.00-2,000.00 upfront
InsuranceNone
Tax16.00% fees
Comp DepN/A
Range of pricing 
Interest Price Component22.4% - 30.6%
Fee Component1.0% - 13.7%
Insurance Component0
Tax Component Range0.1% - 2.3%
Full APR (int fee ins tax dep)23.5% - 29.4%
Transparency Index (min/max)67 - 100
Transparency Index (average)97

Product Summary

157
KES 5,000 - 150,000
6 - 18
Credit Educ, Group Mtgs, Business Training, Other Training, Leadership Training
21.0% annual, Flat
400.00-0.00 upfront
1.50% upfront
None
10.0%-15.0% upfront 100.00 ongoing
 
33.6% - 40.3%
0 - 10.6%
0 - 4.1%
0
51.3% - 81.5%
24 - 56
35

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 282,532,113
Portfolio (USD)USD 2,774,465.35
Active Clients with Loans2,583
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Khushhali Cash Sahulat Land - Bullet
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
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

Product Details

Key Statistics
Outstanding portfolio (KES)KES 3,382,653.16
Portfolio (USD)USD 40,853.30
Active Clients with Loans157
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Designed for the purchase of iron sheets, gutters, roofing nails, and labor charges for roofing of houses for improved living conditions of clients.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visits
Business trainingx
Other trainingx
OtherLeadership Training
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
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 institution1
# Regions for this product1
Regions ActiveCoast

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 25,000
Maximum loan size150,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,0000
PKR 25,000-50,00030%
PKR 50,000-75,00040%
PKR 75,000-150,00030%
Greater than PKR 150,00030%
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

Loan Conditions

Loan Amount
CurrencyKES
Minimum loan sizeKES 5,000
Maximum loan size150,000
Distribution at Disbursement (Est.)
Loans less than KES 50,000100%
KES 50,000-150,0000
KES 150,000-250,0000
KES 250,000-350,0000
KES 350,000-450,0000
Greater than KES 450,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term18.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months10%
Between 10 and 12 months10%
Between 13 and 18 months80%
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period1.0 month
Repayment Frequency
Daily
Weekly
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 interest25.00%
Highest quoted nominal interest25.00%
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 - min1,000
Fixed amount - max2,000
Reason for variationLoan <PKR 50,000= 1000, > 50,000 and <100,000 = 1500, >100,000 = 2000
Appears on Repayment Sched?Yes
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

Pricing Information

Interest
Lowest quoted nominal interest21.00%
Highest quoted nominal interest21.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionApplication Fee
% of loan amount - min0
% of loan amount - max1.00%
OR, Fixed amount - min400
Fixed amount - max0
Reason for variationKES 400 Minimum
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionEmergency Fund
% of loan amount - min1.50%
% of loan amount - max1.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaRural loans <30,000 KES =15%. Loans >30,000 KES = 10%. Urban loans <100,000 KES = 15%. Loans >100,000 KES = 10%
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00% - 15.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedKES 100
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid2.00%
Maximum interest rate paid4.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Full Pricing Data

Khushhali Cash Sahulat Land-Bullet 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 25,000 Generated 2015-06-01 8.9 months N/A PKR 5,783.29 29.4% 22.9% 5.6% 0.0% 0.9% 0.0% 85 - PDF
PKR 30,000 Generated 2015-06-01 11.8 months N/A PKR 8,557.26 26.4% 22.4% 3.4% 0.0% 0.6% 0.0% 95 - PDF
PKR 50,000 Generated 2015-06-01 11.8 months N/A PKR 13,488.77 24.7% 22.4% 2.0% 0.0% 0.3% 0.0% 100 - PDF
PKR 55,000 Generated 2015-06-01 11.8 months N/A PKR 14,721.64 24.5% 22.4% 1.8% 0.0% 0.3% 0.0% 100 - PDF
PKR 60,000 Generated 2015-06-01 11.8 months N/A PKR 15,954.52 24.3% 22.4% 1.7% 0.0% 0.2% 0.0% 100 - PDF
PKR 65,000 Generated 2015-06-01 11.8 months N/A PKR 17,187.40 24.2% 22.4% 1.5% 0.0% 0.3% 0.0% 100 - PDF
PKR 80,000 Generated 2015-06-01 11.8 months N/A PKR 20,886.03 23.8% 22.4% 1.2% 0.0% 0.2% 0.0% 100 - PDF
PKR 100,000 Generated 2015-06-01 11.8 months N/A PKR 25,817.53 23.5% 22.4% 1.0% 0.0% 0.1% 0.0% 100 - PDF

Full Pricing Data

Mabati Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountKES 10,000KES 30,000KES 50,000KES 100,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-06-032013-04-112013-04-102013-04-23
Loan Term (Months)12.0 months12.0 months12.0 months17.0 months
Grace Period (Months)0.5 months0.5 months0.5 months0.5 months
Total Cost of CreditKES 2,650KES 7,150KES 11,750KES 34,000
True Price by Comp       
Interest price component37.8%37.8%37.8%38.2%
Fee Component8.4%2.7%2.1%1.4%
Insurance Component3.2%3.2%3.1%2.3%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component32.1%18.3%10.4%9.4%
Full APR (int fee ins tax dep)81.5%62.0%53.4%51.3%
Transparency Index26343941
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Khushhali Cash Sahulat Land-Bullet Price Graphs


Click to view Price Analysis Tool
Mabati Loan Price Graphs


Click to view Price Analysis Tool
Caps / Zoom options
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
Loading...
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

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞