| 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 |
|---|---|---|---|---|
| Action | 0 | 0 | 0 | 134 |
| Adok Timo | 4,200 | 570,000 | 4 | 166 |
| BIMAS | 11,100 | 4,679,000 | 7 | 134 |
| ECLOF Kenya | 20,500 | 5,455,000 | 8 | 134 |
| Equity Bank | 135,500 | 94,746,000 | 9 | 134 |
| Family Bank | 43,200 | 90,700,000 | 5 | 166 |
| Jamii Bora | 2,400 | 3,374,000 | 4 | 134 |
| Juhudi Kilimo | 10,400 | 4,436,000 | 2 | 134 |
| KADET | 12,900 | 5,402,000 | 4 | 134 |
| K-Rep | 0 | 0 | 0 | 134 |
| K-Rep Bank | 65,000 | 28,743,000 | 4 | 166 |
| KWFT DTM | 294,600 | 165,982,000 | 6 | 134 |
| LKL | 13,100 | 9,311,000 | 10 | 126 |
| MKL | 18,200 | 5,989,000 | 6 | 111 |
| Opportunity Kenya | 9,100 | 4,866,000 | 5 | 134 |
| PAWDEP | 40,900 | 7,133,000 | 2 | 134 |
| RAFODE | 2,900 | 356,000 | 1 | 134 |
| SISDO | 7,300 | 3,657,000 | 11 | 134 |
| Yehu | 14,000 | 3,149,000 | 11 | 134 |
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