Please note that the information you are viewing is 124 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Rural Community Development Society 1st Floor, Hajvery Plaza, Bara Dari Road, Begum Kot, ShahdaraLahore, Punjab54000
Data approved: 2013-08-02
Data version: 1
Age of data: 124 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.rcdspk.org
Year established1998
Head of InstitutionMuhammad Murtaza
Regions activePunjab
# Branches20

Total Portfolio (nat'l)PKR 443,135,230
Total Portfolio (USD)USD 4,521,788.06
Active clients with loans31,965
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsPMN, PMFN, BWTP, PCP
FundersPPAF, ASF, UNDP, Engro Foundation

Loan Products » Summary

CED
28,459 Borrowers
USD 3,189,452.25 Portfolio
Active Product
EDF
1,740 Borrowers
USD 749,178.26 Portfolio
Active Product
LSF
1,693 Borrowers
USD 529,232.69 Portfolio
Active Product
SME
73 Borrowers
USD 53,924.88 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credit & Enterprise Development PKR 5,000 - 75,000 12 80% - 100% 20% - 40% Business, Agriculture Women, Men, Have business, Specific age group Credit Educ, Group Mtgs, Business Training, Other Training
Enterprise Development Facility PKR 70,000 - 150,000 18 60% - 80% 20% - 40% Business Women, Men, Have business, Have home or land, Specific age group Credit Educ, Group Mtgs, Business Training, Other Training
Live Stock Financing PKR 40,000 - 100,000 18 80% - 100% 20% - 40% Business, Agriculture Women, Men, Have business, Have home or land, Specific age group Credit Educ, Group Mtgs, Business Training, Other Training
Strengthening Micro Enterprises PKR 100,000 - 300,000 24 0% 20% - 40% Business, Agriculture Women, Men, Have business, Have home or land, Specific age group Credit Educ, Business Training, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credit & Enterprise Development 20.0% annual, Flat 1 Fee 0 Ins None N/A 44.7% - 48% 44.7% - 48% N/A
Enterprise Development Facility 15.0% annual, Flat 1 Fee 0 Ins None N/A 33.5% 33.5% N/A
Live Stock Financing 15.0% annual, Flat 1 Fee 0 Ins None N/A 33.5% - 34.9% 33.5% - 34.9% N/A
Strengthening Micro Enterprises 15.0% annual, Flat 1 Fee 0 Ins None N/A 30.7% - 31.8% 30.7% - 31.8% N/A
Institution Price Graph
Please note that the information you are viewing is 113 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

DemirBank 31 Garabagh str., Baku.,AZ 1008Baku, BakuAZ1008
Data approved: 2014-09-18
Data version: 1
Age of data: 113 months

Product

Cash Loan Product 1 of 2 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (AZN)AZN 19,247,182
Portfolio (USD)USD 24,675,874.36
Active Clients with Loans9,849
Approximate % Female Clients20% - 40%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Cash loan issued to consumer client based on their monthly income for any personal use.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution7
# Regions for this product8
Regions ActiveAbsheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Orta Kur, Daglig-ShirvanKur

Loan Conditions

Loan Amount
CurrencyAZN
Minimum loan sizeAZN 500
Maximum loan size10,000
Distribution at Disbursement (Est.)
Loans less than AZN 1,00015%
AZN 1,000-5,00070%
AZN 5,000-8,00010%
AZN 8,000-11,0005%
AZN 11,000-14,0000
Greater than AZN 14,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term36.0 months
Approx average24.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months30%
Between 13 and 18 months30%
Longer than 18 months40%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest28.00%
Highest quoted nominal interest34.00%
Reason(s) why interest rate variesTime as Client, Loan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionComission FeeDocument charge
% of loan amount - min1.00%0
% of loan amount - max1.00%0
OR, Fixed amount - min010
Fixed amount - max0100
Reason for variation1% is for documenting charges, 1% for cash disbursmentN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionAccident Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min10
Fixed amount - max120
Reason for variationIt is determined according to the loan amount.
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/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 depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Cash Loan samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
AZN 900 Real 2014-08-25 18.3 months N/A AZN 231.77 30.5% 27.7% 1.3% 1.5% 0.0% 0.0% 85 PDF PDF
AZN 900 Generated 2014-11-01 18.0 months N/A AZN 228.18 32.4% 27.7% 3.1% 1.6% 0.0% 0.0% 80 - PDF
AZN 2,600 Real 2014-07-22 12.2 months N/A AZN 592 41.6% 27.9% 2.0% 11.7% 0.0% 0.0% 63 PDF PDF
AZN 2,600 Generated 2014-11-01 12.0 months N/A AZN 549.09 40.3% 27.7% 2.8% 9.8% 0.0% 0.0% 65 - PDF
AZN 1,000 Generated 2014-11-01 12.0 months N/A AZN 226.19 43.6% 27.7% 9.3% 6.6% 0.0% 0.0% 60 - PDF
AZN 1,500 Generated 2014-11-01 12.0 months N/A AZN 321.78 41.0% 27.7% 7.6% 5.7% 0.0% 0.0% 63 - PDF
AZN 2,000 Generated 2014-11-01 12.0 months N/A AZN 423.97 40.1% 29.6% 6.2% 4.3% 0.0% 0.0% 65 - PDF
AZN 3,100 Generated 2014-11-01 18.0 months N/A AZN 940.58 39.5% 30.6% 3.9% 5.0% 0.0% 0.0% 66 - PDF
AZN 4,000 Generated 2014-11-01 24.0 months N/A AZN 1,510.82 37.2% 30.6% 3.0% 3.6% 0.0% 0.0% 70 - PDF
AZN 6,500 Generated 2014-11-01 24.0 months N/A AZN 2,487.91 37.3% 32.6% 2.4% 2.3% 0.0% 0.0% 70 - PDF
Cash Loan Price Graphs


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