2. KBL
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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

Opportunity International Savings & Loans Ltd. No. D765/3 Kwame Nkrumah AvenueAccra, Greater AccraPO Box JT 323
Data approved: 2013-03-12
Data version: 2
Age of data: 133 months
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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.opportunityghana.com/
Year established2004
Head of InstitutionKwame Owusu-Boateng
Regions activeGreater Accra Region, Central Region, Western Region, Eastern Region, Ashanti Region, Brong Ahafo Region
# Branches29

Total Portfolio (nat'l)GHS 56,590,868
Total Portfolio (USD)USD 28,726,328.93
Active clients with loans62,525
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsOpportunity International USA
FundersOpportunity Microfinance Investment Ltd, Opportunity Transformation Investment, Sinapi Aba Trust, Oikocredit

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

Agriculture
7,428 Borrowers
USD 1,242,790.36 Portfolio
Active Product
Church
53 Borrowers
USD 241,847.21 Portfolio
Active Product
Family
273 Borrowers
USD 144,458.88 Portfolio
Active Product
Group
39,801 Borrowers
USD 11,025,252.79 Portfolio
Active Product
Individual
3,257 Borrowers
USD 2,895,500.51 Portfolio
Active Product
ISME
595 Borrowers
USD 4,731,220.81 Portfolio
Active Product
Susu
1,443 Borrowers
USD 913,463.45 Portfolio
Active Product
Adehye
8,946 Borrowers
USD 5,867,048.22 Portfolio
Active Product
Education
245 Borrowers
USD 171,009.14 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
Agriculture Loan GHS 130 - 10,000 6 - 9 60% - 80% 0% - 20% Business, Farming Women, Men, Specific age group, Farmers Credit Educ, Credit Ins
Church Loan GHS 5,000 - 100,000 3 - 37 0% 60% - 80% Financing church building Women, Men, Fully registered functioning church Credit Educ
Salary Loan GHS 270 - 15,000 6 - 24 20% - 40% 100% Any Purpose Women, Men, Have business, Salaried worker Credit Educ, Credit Ins
Group Loan GHS 100 - 8,000 3 - 12 60% - 80% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Individual Loan GHS 200 - 12,000 2 - 24 40% - 60% 20% - 40% Business Women, Men, Have business Credit Educ, Credit Ins
ISME / Edufinance GHS 10,000 - 100,000 10 - 37 0% - 20% 80% - 100% Business, Education Women, Men, Have business, Fully registered and licensed school Tech Asst Visits, Business Training
Susu Loan GHS 100 - 10,000 3 - 12 40% - 60% 40% - 60% Business Women, Men Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Adehye Loan GHS 280 - 8,000 3 - 8 60% - 80% 40% - 60% Business Women, Men, Have business, Must be a good group loan client. Credit Educ, Group Mtgs
Eduloan GHS 500 - 3,000 24 60% - 80% 80% - 100% Education Women, Men Credit Educ

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
Agriculture Loan 36.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 40.8% - 65.4% 47% - 78.8% 61
Church Loan 39.0% annual, Decl Bal 2 Fees 1 Ins None 15.0% upfront 42.1% - 45.3% 55.6% - 61.3% 66
Salary Loan 24.0% annual, Flat 2 Fees 1 Ins None N/A 43.4% - 48.5% 44.6% - 50.6% 51
Group Loan 41.0% annual, Flat 2 Fees 1 Ins None 15.0% upfront 77.5% - 90.7% 103% - 123.9% 36
Individual Loan 42.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 67.6% - 79% 78.4% - 95.7% 47
ISME / Edufinance 39.0% annual, Decl Bal 2 Fees 1 Ins None 43% - 46.3% 44.4% - 48% 84
Susu Loan 39.0% annual, Flat 2 Fees 1 Ins None N/A 68.4% - 74.6% 69.8% - 77.3% 53
Adehye Loan 38.0% annual, Flat 1 Fee 1 Ins None 15.0%-20.0% upfront 67.1% - 81.6% 96.6% - 124.1% 35
Eduloan 24.0%-37.0% annual, Decl Bal 1 Fee 1 Ins None N/A 41.6% - 74.1% 42.5% - 78% 37

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
Agriculture Loan 36.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 40.8% - 65.4% 47% - 78.8% 61
Church Loan 39.0% annual, Decl Bal 2 Fees 1 Ins Ins None 15.0% upfront 42.1% - 45.3% 55.6% - 61.3% 66
Salary Loan 24.0% annual, Flat 2 Fees 1 Ins Ins None N/A 43.4% - 48.5% 44.6% - 50.6% 51
Group Loan 41.0% annual, Flat 2 Fees 1 Ins Ins None 15.0% upfront 77.5% - 90.7% 103% - 123.9% 36
Individual Loan 42.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 67.6% - 79% 78.4% - 95.7% 47
ISME / Edufinance 39.0% annual, Decl Bal 2 Fees 1 Ins Ins None 43% - 46.3% 44.4% - 48% 84
Susu Loan 39.0% annual, Flat 2 Fees 1 Ins Ins None N/A 68.4% - 74.6% 69.8% - 77.3% 53
Adehye Loan 38.0% annual, Flat 1 Fee 1 Ins Ins None 15.0%-20.0% upfront 67.1% - 81.6% 96.6% - 124.1% 35
Eduloan 24.0%-37.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 41.6% - 74.1% 42.5% - 78% 37
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