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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 

Institution

Centenary Rural Development Bank Mapeera House, Plot 44-46, Kampala RoadKampalaP.O.Box 1892
Data approved: 2013-01-24
Data version: 2
Age of data: 136 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 TypeBank
Is this institution regulated?Yes
Website addresshttp://www.centenarybank.co.ug/
Year established1983
Head of InstitutionFabian Kasi
Regions activeCentral, Eastern, Northern, Western
# Branches38

Total Portfolio (nat'l)UGX 574,975,000,000
Total Portfolio (USD)USD 221,144,230.80
Active clients with loans133,802
Approximate % female clients20% - 40%
Approximate % urban clients20% - 40%
Network affiliations
Funders

Loan Products » Summary

291,884 Borrowers
USD 55,120,879.93 Portfolio
Active Product
73,275 Borrowers
USD 7,309,489.43 Portfolio
Active Product
26,667 Borrowers
USD 19,845,597.01 Portfolio
Active Product
76 Borrowers
USD 26,341.96 Portfolio
Active Product
162 Borrowers
USD 191,638.78 Portfolio
Active Product
77 Borrowers
USD 72,072.84 Portfolio
Active Product

Loan Products » Summary

11,745 Borrowers
USD 16,673,843 Portfolio
Active Product
55,071 Borrowers
USD 29,238,801 Portfolio
Active Product
49,036 Borrowers
USD 42,212,308 Portfolio
Active Product
20,000 Borrowers
USD 1,962 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
Home Improvement Loan UGX 100,000 - 30,000,000 3 - 36 20% - 40% 20% - 40% Housing Women, Men, Have home or land Credit Ins
Micro Business Loan UGX 100,000 - 5,000,000 3 - 24 20% - 40% 20% - 40% Business Women, Men, Have business, Specific age group Credit Ins
Salary Loan UGX 100,000 - 250,000,000 3 - 48 20% - 40% 40% - 60% Any Purpose Women, Men, Salaried worker Credit Ins
Small Business Loan UGX 5,100,000 - 20,000,000 3 - 24 20% - 40% 20% - 40% Business Women, Men, Have business 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
Home Improvement Loan 24.00% annual, Decl Bal 3 Fees 1 Ins None N/A 31.2% - 34.3% 31.6% - 35.2% 72
Micro Business Loan 29.00%-42.00% annual, Decl Bal 2 Fees 1 Ins None N/A 30.3% - 45.5% 30.9% - 46.4% 77
Salary Loan 18.96%-27.96% annual, Decl Bal 2 Fees 1 Ins None N/A 27.9% - 34% 28.5% - 36% 60
Small Business Loan 21.96%-24.00% annual, Decl Bal 3 Fees 1 Ins None N/A 33.1% - 35.3% 33.5% - 36.2% 62

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
Home Improvement Loan 24.00% annual, Decl Bal 3 Fees 1 Ins Ins None N/A 31.2% - 34.3% 31.6% - 35.2% 72
Micro Business Loan 29.00%-42.00% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 30.3% - 45.5% 30.9% - 46.4% 77
Salary Loan 18.96%-27.96% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 27.9% - 34% 28.5% - 36% 60
Small Business Loan 21.96%-24.00% annual, Decl Bal 3 Fees 1 Ins Ins None N/A 33.1% - 35.3% 33.5% - 36.2% 62
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