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Please note that the information you are viewing is 101 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: 76 months

Institution

Dedebit Credit and Savings Institution Head OfficeMekelePO Box 1074
Data approved: 2011-12-23
Data version: 1
Age of data: 101 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

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established1997
Head of InstitutionAtakilt Kiros
Regions active
# Branches142

Total Portfolio (nat'l)ETB 1,800,000,000
Total Portfolio (USD)USD 97,826,086.96
Active clients with loans397,000
Approximate % female clients20% - 40%
Approximate % urban clients20% - 40%
Network affiliationsAEMFI, INAFI
FundersNPA Norweigan Peoples Aid, SOS Faim, A Glimmer of Hope

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 » Summary

5,000 Borrowers
USD 33,478,260.87 Portfolio
Active Product
25,000 Borrowers
USD 4,293,478.26 Portfolio
Active Product
2,753 Borrowers
USD 543.48 Portfolio
Active Product
5,300 Borrowers
USD 8,206,521.74 Portfolio
Active Product
78,000 Borrowers
USD 14,184,782.61 Portfolio
Active Product
204,000 Borrowers
USD 27,880,434.78 Portfolio
Active Product
41,000 Borrowers
USD 8,260,869.57 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 » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Business Loan ETB 15,000 - 5,000,000 12 - 60 20% - 40% 80% - 100% Business Women, Men, Have business Credit Educ
Civil Servant Loan ETB 1,000 - 50,000 12 - 36 20% - 40% 40% - 60% Any Purpose Women, Men, Salaried worker Credit Educ, Group Mtgs
Ex-fighters Association Loan ETB 10,000 - 10,000 36 20% - 40% 80% - 100% Any Purpose Women, Men, Ex-fighters association members Credit Educ
Housing Loan ETB 15,000 - 5,000,000 12 - 60 20% - 40% 80% - 100% Housing Women, Men Credit Educ
Regular Loan ETB 500 - 20,000 12 - 36 60% - 80% 80% - 100% Business Women, Men Credit Educ, Group Mtgs, Business Training
Rural Package Loan ETB 200 - 30,000 6 - 48 20% - 40% 0% - 20% Business, Agriculture Women, Men Credit Educ, Tech Asst Visits
Urban Package Loan ETB 500 - 10,000 12 - 36 60% - 80% 80% - 100% Any Purpose Women, Men Credit Educ, Business 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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 10.0% annual, Decl Bal 0 Fees 0 Ins None N/A 11.1% - 13.2% 11.1% - 13.2% 81
Civil Servant Loan 15.0% annual, Decl Bal 0 Fees 0 Ins None N/A 14% - 14.3% 14% - 14.3% 100
Ex-fighters Association Loan 15.0% annual, Decl Bal 0 Fees 0 Ins None N/A 14.1% 14.1% 100
Housing Loan 9.9% annual, Decl Bal 0 Fees 0 Ins None N/A 10.3% - 11% 10.3% - 11% 92
Regular Loan 18.0% annual, Decl Bal 0 Fees 0 Ins None N/A 16.7% - 17.6% 16.7% - 17.6% 100
Rural Package Loan 18.0% annual, Decl Bal 0 Fees 0 Ins None N/A 18% - 25.9% 18% - 25.9% 86
Urban Package Loan 18.0% annual, Decl Bal 0 Fees 0 Ins None N/A 9.7% 9.7% 100

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 Ins None N/A 44.7% - 48% 44.7% - 48% N/A
Enterprise Development Facility 15.0% annual, Flat 1 Fee 0 Ins Ins None N/A 33.5% 33.5% N/A
Live Stock Financing 15.0% annual, Flat 1 Fee 0 Ins 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 Ins None N/A 30.7% - 31.8% 30.7% - 31.8% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 10.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 11.1% - 13.2% 11.1% - 13.2% 81
Civil Servant Loan 15.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 14% - 14.3% 14% - 14.3% 100
Ex-fighters Association Loan 15.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 14.1% 14.1% 100
Housing Loan 9.9% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 10.3% - 11% 10.3% - 11% 92
Regular Loan 18.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 16.7% - 17.6% 16.7% - 17.6% 100
Rural Package Loan 18.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 18% - 25.9% 18% - 25.9% 86
Urban Package Loan 18.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 9.7% 9.7% 100
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