| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.khushhalibank.com.pk |
| Year established | 2000 |
| Head of Institution | Muhammad Ghalib Nishtar |
| Regions active | Azad Kashmir, Balochistan, Federal Administered Tribal Areas, Gilgit-Baltistan, Punjab |
| # Branches | 110 |
| Total Portfolio (nat'l) | PKR 8,091,647,927 |
| Total Portfolio (USD) | USD 82,567,835.99 |
| Active clients with loans | 392,144 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Pakistan Microfinance Network |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Khushhali Karza - Bullet (Group Based Lending) | PKR 10,000 - 50,000 | 3 - 12 | 20% - 40% | 0% - 20% | Business | Women, Men, Have business | Group Mtgs, Credit Ins | |||||||
| Khushhali Karza - EMI (Group Based Lending) | PKR 10,000 - 50,000 | 3 - 12 | 20% - 40% | 20% - 40% | Business, Agriculture, Livestock | Women, Men, Have business | Group Mtgs, Credit Ins | |||||||
| Khushhali Cash Sahulat Gold-Bullet | PKR 25,000 - 150,000 | 3 - 12 | 0% - 20% | 20% - 40% | Business | Women, Men, Have business | Credit Ins | |||||||
| Khushhali Cash Sahulat Gold-EMI | PKR 25,000 - 150,000 | 3 - 12 | 0% - 20% | 20% - 40% | Business | Women, Men, Have business | Credit Ins | |||||||
| Khushhali Cash Sahulat Land-Bullet | PKR 25,000 - 150,000 | 3 - 12 | 0% | 0% | Business | Women, Men, Have business | Credit Ins | |||||||
| Khushhali Cash Sahulat Paper Security-Bullet | PKR 25,000 - 150,000 | 3 - 12 | 0% - 20% | 0% - 20% | Business | Women, Men, Have business | Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Khushhali Karza - Bullet (Group Based Lending) | 31.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 29.3% - 35.1% | 29.3% - 35.1% | N/A | ||||||||
| Khushhali Karza - EMI (Group Based Lending) | 31.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 35.5% - 41.9% | 35.5% - 41.9% | N/A | ||||||||
| Khushhali Cash Sahulat Gold-Bullet | 28.0% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 27.1% - 29.2% | 27.1% - 29.2% | N/A | ||||||||
| Khushhali Cash Sahulat Gold-EMI | 28.0% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 30% - 34.5% | 30% - 34.5% | N/A | ||||||||
| Khushhali Cash Sahulat Land-Bullet | 20.0%-25.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 20.2% - 24.7% | 20.2% - 24.7% | N/A | ||||||||
| Khushhali Cash Sahulat Paper Security-Bullet | 15.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 15.2% - 16.6% | 15.2% - 16.6% | N/A |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| Actuar Caldas | 3,700 | 5,247,000 | 1 | 160 |
| Actuar Quindio | 2,300 | 2,800,000 | 2 | 160 |
| Actuar Tolima | 8,800 | 5,099,000 | 3 | 160 |
| Amanecer | 4,300 | 8,253,000 | 4 | 160 |
| Banco Agrario | 56,300 | 39,938,000 | 3 | 160 |
| Banco WWB | 219,400 | 294,019,000 | 5 | 155 |
| Bancolombia | 36,200 | 51,563,000 | 1 | 160 |
| BdO | 10,400 | 7,945,000 | 2 | 160 |
| Comerciacoop | 1,600 | 3,255,000 | 4 | 160 |
| Confiar | 43,800 | 81,993,000 | 7 | 160 |
| Congente | 5,400 | 20,045,000 | 2 | 160 |
| Contactar | 25,100 | 20,184,000 | 2 | 160 |
| Crezcamos | 27,500 | 22,564,000 | 4 | 160 |
| Finamerica | 39,800 | 99,536,000 | 7 | 160 |
| FMM Popayán | 310,000 | 243,614,000 | 3 | 160 |
| FMSD | 6,800 | 9,236,000 | 6 | 160 |
| Fomentamos | 900 | 102,000 | 1 | 160 |
| Fund DeLaMujer | 199,900 | 165,568,000 | 1 | 160 |
| Fund Oleoductos | 500 | 435,000 | 1 | 155 |
| FUNDAUNIBAN | 600 | 1,307,000 | 2 | 160 |
| FUNDESAN | 2,400 | 2,521,000 | 5 | 160 |
| FUNDESMAG | 1,000 | 1,698,000 | 2 | 160 |
| Interactuar | 30,200 | 93,846,000 | 4 | 160 |
| MEDA | 15,600 | 27,322,000 | 2 | 160 |
| ProCredit CO | 5,700 | 18,569,000 | 3 | 160 |
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