Loan Conditions

Loan Amount

Currency	PKR
Minimum loan size	PKR 15,000
Maximum loan size	40,000

Distribution at Disbursement (Est.)

Loans less than PKR 10,000	0
PKR 10,000-25,000	100%
PKR 25,000-50,000	0
PKR 50,000-75,000	0
PKR 75,000-150,000	0
Greater than PKR 150,000	0

Loan Term and Grace Period

Shortest loan term	6.0 months
Longest loan term	18.0 months
Approx average	DK

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	70%
Between 7 and 9 months	0
Between 10 and 12 months	0
Between 13 and 18 months	30%
Longer than 18 months	0

Grace Period

Grace period usage	100%
Average grace period	DK

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly	x
Every 6 months	x
Every 12 months	x
Single end payment	x
Irregular payments

Loan Conditions

Loan Amount

Currency	COP
Minimum loan size	COP 300,000
Maximum loan size	50,000,000

Loan Term and Grace Period

Shortest loan term	1.0 month
Longest loan term	60.0 months
Approx average	18.0 months

Grace Period

Grace period usage	10%
Average grace period	2.0 months

Repayment Frequency

Daily
Weekly	x
Every 2 weeks	x
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Upfront Fees

	Fee 1		Fee 2
Description	CIB and Document Charges		Behbood Fund
% of loan amount - min	0		0
% of loan amount - max	0		0
OR, Fixed amount - min	350		150
Fixed amount - max	350		300
Reason for variation	N/A		First time loanee pays 150. Subsequent loan is charged 300.
Appears on Repayment Sched?	Yes		No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

This product has no upfront insurance fees

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Never
Criteria	N/A
Is deposit indicated on the repayment schedule?	N/A
Do borrowers control deposit in their group?	N/A

Deposit BEFORE or AT Disbursement

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?

No

Pricing Information

Interest

Upfront Fees

This product has no upfront fees

Ongoing Fees

	Fee 1
Description	Capacitacio - MENSUALMENTE SE COBRA EL VALOR DEL RECAUDO EN LOS PUNTOS DE PAGO
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	3,000
Fixed amount - max	5,000
Reason for variation	N/A
Appears on Repayment Sched?	Yes

Upfront Insurance Fees

This product has no upfront insurance fees

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Never
Criteria	N/A
Is deposit indicated on the repayment schedule?	N/A
Do borrowers control deposit in their group?	N/A

Deposit BEFORE or AT Disbursement

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?

No

Additional Comments

A PARTIR DEL SEGUNDO CREDITO Y EVALUANDO EL COMPORTAMIENTO DE LOS ANTERIORES SE DA LA POSIBILIDAD DE OBTENER CREDITOS PARA ESTUDIO,MEJORAS DE VIVIENDA,ADQUISICION DE VIVIENDA Y OTRAS NECESIDADES DEL MICROEMPRESARIO Y SU FAMILIA , IGUALMENTE DE ACUERDO AL BUEN COMPORTAMIENTO EN LOS CREDITOS ANTERIORES,PARA NUEVOS CREDITOS SE REBAJA LA TASA DE INTERES. EN TODOS LOS CASOS EL VALOR APROBADO ES ENTREGADO, A NO SER QUE EL CLEINTE QUIERA QUE LAS FECHAS DE PAGO SEAN POSTERIORES A LA FECHA DEL DESEMBOLSO, CASO EN EL CUAL SE LE DESCUENTAN LOS INTRESES CORRESPONDIENTES A LOS DIAS DE CORRIMIENTO

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