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Institution

Khushhali Bank Limited 4th Floor, 94 west, Jinnah AvenueIslamabad, Federal44000
Data approved: 2013-08-13
Data version: 1
Age of data: -   months 
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Institution

EB ACCION Savings and Loans Ltd No. 4 Nortei Ababio Street Roman RidgePMB CT 127, CantonmentsAccra, Greater Accra
Data approved: 2013-07-31
Data version: 1
Age of data: 132 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.khushhalibank.com.pk
Year established2000
Head of InstitutionMuhammad Ghalib Nishtar
Regions activeAzad Kashmir, Balochistan, Federal Administered Tribal Areas, Gilgit-Baltistan, Punjab
# Branches110

Total Portfolio (nat'l)PKR 8,091,647,927
Total Portfolio (USD)USD 82,567,835.99
Active clients with loans392,144
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliationsPakistan Microfinance Network
Funders

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.eb-accion.com
Year established2008
Head of InstitutionMrs. Frances Adu-Mante
Regions activeGreater Accra Region, Ashanti Region, Brong Ahafo Region
# Branches8

Total Portfolio (nat'l)GHS 23,675,529
Total Portfolio (USD)USD 12,018,035.03
Active clients with loans9,401
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliationsGhana Association of Savings and Loans Companies, GHAMFIN
FundersEcobank Ghana Ltd, Ecobank Transitional Inc, ACCION International, IFC

Loan Products » Summary

KK-B
291,884 Borrowers
USD 55,120,879.93 Portfolio
Active Product
KK-E
73,275 Borrowers
USD 7,309,489.43 Portfolio
Active Product
KCS-GB
26,667 Borrowers
USD 19,845,597.01 Portfolio
Active Product
KCS-GE
76 Borrowers
USD 26,341.96 Portfolio
Active Product
KCS-LB
162 Borrowers
USD 191,638.78 Portfolio
Active Product
KCS-PB
77 Borrowers
USD 72,072.84 Portfolio
Active Product

Loan Products » Summary

Nkosuo
4,497 Borrowers
USD 2,295,303.05 Portfolio
Active Product
Express
880 Borrowers
USD 341,065.99 Portfolio
Active Product
Adwuma
2,755 Borrowers
USD 3,563,691.80 Portfolio
Active Product
Plus
265 Borrowers
USD 1,406,775.42 Portfolio
Active Product
SME
398 Borrowers
USD 3,727,540.98 Portfolio
Active Product
Group
407 Borrowers
USD 75,230.26 Portfolio
Active Product

Loan Products » Conditions

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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Nkosuo GHS 50 - 3,000 3 - 12 60% - 80% 60% - 80% Business Women, Men, Have business, Specific age group Credit Ins
Micro Express GHS 50 - 1,000 3 - 6 60% - 80% 60% - 80% Business Women, Men, Specific age group Credit Ins
Adwuma Pa GHS 3,000 - 15,000 3 - 12 60% - 80% 80% - 100% Business Women, Men, Have business, Specific age group Credit Ins
Micro Plus GHS 15,000 - 30,000 3 - 24 40% - 60% 40% - 60% Business Women, Men, Have business, Have home or land, Specific age group Credit Ins
SME GHS 30,000 - 50,000 3 - 24 0% - 20% 80% - 100% Business Women, Men, Have business, Have home or land, Specific age group Credit Ins
Group GHS 600 - 3,000 3 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Specific age group Credit Ins

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Nkosuo 48.0% annual, Flat 1 Fee 1 Ins None 81.2% - 82.6% 83.9% - 120.9% 52
Micro Express 48.0% annual, Flat 1 Fee 1 Ins None 2.50-10.00 ongoing 87.8% - 95.1% 154.3% - 180.7% 29
Adwuma Pa 45.0% annual, Flat 1 Fee 1 Ins None 61.3% - 76.6% 68.3% - 78% 61
Micro Plus 42.0%-45.0% annual, Flat 1 Fee 1 Ins None 74% - 76.6% 75.2% - 78.2% 54
SME 38.4%-42.0% annual, Flat 1 Fee 1 Ins None 59.9% - 64.5% 60.7% - 66.9% 59
Group 48.0% annual, Flat 1 Fee 1 Ins None 2.50-10.00 ongoing 74.1% - 77.1% 111.6% - 118.8% 41

Loan Products » Pricing Information

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 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 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 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 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 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 Ins None N/A 15.2% - 16.6% 15.2% - 16.6% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Nkosuo 48.0% annual, Flat 1 Fee 1 Ins Ins None 81.2% - 82.6% 83.9% - 120.9% 52
Micro Express 48.0% annual, Flat 1 Fee 1 Ins Ins None 2.50-10.00 ongoing 87.8% - 95.1% 154.3% - 180.7% 29
Adwuma Pa 45.0% annual, Flat 1 Fee 1 Ins Ins None 61.3% - 76.6% 68.3% - 78% 61
Micro Plus 42.0%-45.0% annual, Flat 1 Fee 1 Ins Ins None 74% - 76.6% 75.2% - 78.2% 54
SME 38.4%-42.0% annual, Flat 1 Fee 1 Ins Ins None 59.9% - 64.5% 60.7% - 66.9% 59
Group 48.0% annual, Flat 1 Fee 1 Ins Ins None 2.50-10.00 ongoing 74.1% - 77.1% 111.6% - 118.8% 41
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