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

Khushhali Bank Limited 4th Floor, 94 west, Jinnah AvenueIslamabad, Federal44000
Data approved: 2015-04-20
Data version: 2
Age of data: 106 months
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Product

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Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 126,658,375
Portfolio (USD)USD 1,243,785.24
Active Clients with Loans1,197
Approximate % Female Clients0% - 20%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
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

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 25,000-50,00010%
PKR 50,000-75,00010%
PKR 75,000-150,00080%
Greater than PKR 150,00080%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term6.0 months
Approx average0
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months100%
Between 7 and 9 months0
Between 10 and 12 months0
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 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
DescriptionProcesseng Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min800
Fixed amount - max1,000
Reason for variationLoan <= PKR 30,000 = PKR 800 , Loan > PKR 30,000 = PKR 1000
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

Full Pricing Data

Sarsabz Karobar 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 30,000 Generated 2015-06-01 5.9 months N/A PKR 4,626.63 30.0% 23.6% 5.5% 0.0% 0.9% 0.0% 83 - PDF
PKR 60,000 Generated 2015-06-01 5.9 months N/A PKR 8,325.26 26.7% 23.6% 2.7% 0.0% 0.4% 0.0% 93 - PDF
PKR 75,000 Generated 2015-06-01 5.9 months N/A PKR 10,174.58 26.1% 23.6% 2.2% 0.0% 0.3% 0.0% 96 - PDF
PKR 80,000 Generated 2015-06-01 5.9 months N/A PKR 10,791.01 26.0% 23.6% 2.0% 0.0% 0.4% 0.0% 96 - PDF
PKR 85,000 Generated 2015-06-01 5.9 months N/A PKR 11,407.45 25.8% 23.6% 1.9% 0.0% 0.3% 0.0% 97 - PDF
PKR 95,000 Generated 2015-06-01 5.9 months N/A PKR 12,640.33 25.6% 23.6% 1.7% 0.0% 0.3% 0.0% 98 - PDF
PKR 100,000 Generated 2015-06-01 5.9 months N/A PKR 13,256.77 25.5% 23.6% 1.6% 0.0% 0.3% 0.0% 98 - PDF
PKR 125,000 Generated 2015-06-01 5.9 months N/A PKR 16,338.96 25.1% 23.6% 1.3% 0.0% 0.2% 0.0% 100 - PDF
Sarsabz Karobar Bullet Price Graphs


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

Tulay sa Pag-unlad, Inc. 2363 Antipolo St.Makati1212
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.tspi.org/
Year established1981
Head of InstitutionEduardo A. Mendoza
Regions active
# Branches183

Total Portfolio (nat'l)PhP 1,468,869,386
Total Portfolio (USD)USD 35,140,415.93
Active clients with loans287,169
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliationsAlliance of Philippine Partners in Enterprise Development (APPEND), Microfinance Council of the Philippines, Inc. (MCPI)
FundersOpportunity International Australia

Loan Products » Summary

3,816 Borrowers
USD 154,906.64 Portfolio
Active Product
5,591 Borrowers
USD 2,154,813.79 Portfolio
Active Product
10,443 Borrowers
USD 2,139,434.91 Portfolio
Active Product
423 Borrowers
USD 6,616.03 Portfolio
Active Product
241,797 Borrowers
USD 25,276,997.20 Portfolio
Active Product
92 Borrowers
USD 102,264.75 Portfolio
Active Product
2,402 Borrowers
USD 1,455,066.09 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Educational Loan Assistance Program PHP 1 - 10,000 3 - 6 80% - 100% 40% - 60% Education Women, Men, TKP clients with school-age children Group Mtgs
Housing and Sanitation Loan Program PHP 15,000 - 100,000 18 - 60 80% - 100% 80% - 100% Housing, Sanitation Women, Men, Have business, Must have proof of right to construct house Credit Ins
Livestock Loan PHP 10,000 - 10,000 4.1 80% - 100% 40% - 60% Business, Purchase of livestock Women, Men, Must be a member of TSPI Kabuhayan Program Group Mtgs
PhilHealth Loan PHP 300 - 1,200 6 80% - 100% 40% - 60% Other, Health Insurance Women, Men, Have business, TKP Group member Business Training
TSPI Kabuhayan Program PHP 4,000 - 50,000 6 80% - 100% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
TSPI Maunlad Program PHP 30,000 - 150,000 6 - 24 80% - 100% 80% - 100% Business Women, Men, Have business, Must have colateral or a co-borrower Credit Ins, Business Training
TSPI Palayan Program PHP 20,000 - 35,000 3 - 5 0% - 20% 0% - 20% Business, Agriculture, Rice Farmers Women, Men, Land tenants with at least 5 years of farming experience, Has access to irrigation Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Educational Loan Assistance Program 12.0% annual, Flat 0 Fees 1 Ins None N/A 24.6% - 24.7% 24.6% - 24.7% 49
Housing and Sanitation Loan Program 14.4%-18.0% annual, Flat 1 Fee 2 Ins None N/A 35.3% - 40.6% 36.7% - 45.6% 37
Livestock Loan 36.0% annual, Flat 0 Fees 1 Ins None 5.0% upfront 36.2% 37.9% 95
PhilHealth Loan 12.0% annual, Flat 0 Fees 0 Ins None N/A 23.7% 23.7% 51
TSPI Kabuhayan Program 36.0% annual, Flat 1 Fee 1 Ins None 5.0% upfront 40.00 ongoing 68.6% - 68.7% 87% - 93.7% 39
TSPI Maunlad Program 28.8%-36.0% annual, Flat 1 Fee 2 Ins None 10.0% upfront 100.00 ongoing 47.2% - 69.4% 65.1% - 89.7% 35
TSPI Palayan Program 36.0% annual, Flat 0 Fees 2 Ins None 5.0% upfront 200.00 ongoing 26.6% - 32.1% 42.7% - 48.5% 80
Institution Price Graph
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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
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