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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: 75 months

Institution

Omo Microfinance Head OfficeHawassaPO Box 353
Data approved: 2011-12-23
Data version: 1
Age of data: 100 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 established1998
Head of InstitutionRomedan Mohammed
Regions active
# Branches170

Total Portfolio (nat'l)ETB 585,102,740
Total Portfolio (USD)USD 31,799,061.96
Active clients with loans327,888
Approximate % female clients20% - 40%
Approximate % urban clients40% - 60%
Network affiliationsAEMFI
FundersRegional Government, Wondo Company, Association of Southern Peoples

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

170,500 Borrowers
USD 16,535,434.78 Portfolio
Active Product
4,000 Borrowers
USD 381,586.96 Portfolio
Active Product
1,600 Borrowers
USD 158,994.57 Portfolio
Active Product
147,500 Borrowers
USD 14,309,510.87 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
Rural Agriculture Loan ETB 2,000 - 50,000 12 - 36 20% - 40% 0% - 20% Business, Agriculture Women, Men Credit Educ, Group Mtgs, Credit Ins
Rural Petty Trade Loan ETB 2,000 - 50,000 12 - 36 20% - 40% 0% - 20% Business Women, Men Credit Educ, Group Mtgs, Credit Ins
Small Investment Loan ETB 2,000 - 20,000 12 - 36 0% - 20% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Urban Loan ETB 2,000 - 50,000 12 - 36 40% - 60% 80% - 100% Any Purpose Women, Men Credit Educ, Group Mtgs, Credit Ins

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
Rural Agriculture Loan 18.0% annual, Decl Bal 1 Fee 1 Ins None 5.0%-10.0% upfront 6.00 ongoing 20.2% - 28.7% 25% - 35.7% 64
Rural Petty Trade Loan 15.0% annual, Flat 1 Fee 1 Ins None 5.0%-10.0% upfront 6.00 ongoing 11.3% - 22.5% 14.8% - 29% 65
Small Investment Loan 15.0% annual, Flat 1 Fee 1 Ins None 5.0%-10.0% upfront 6.00 ongoing 11.7% 14.8% - 15.8% 99
Urban Loan 10.0% annual, Decl Bal 1 Fee 1 Ins None 5.0%-10.0% upfront 20.00 ongoing 11.7% - 11.8% 17.1% - 17.7% 57

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
Rural Agriculture Loan 18.0% annual, Decl Bal 1 Fee 1 Ins Ins None 5.0%-10.0% upfront 6.00 ongoing 20.2% - 28.7% 25% - 35.7% 64
Rural Petty Trade Loan 15.0% annual, Flat 1 Fee 1 Ins Ins None 5.0%-10.0% upfront 6.00 ongoing 11.3% - 22.5% 14.8% - 29% 65
Small Investment Loan 15.0% annual, Flat 1 Fee 1 Ins Ins None 5.0%-10.0% upfront 6.00 ongoing 11.7% 14.8% - 15.8% 99
Urban Loan 10.0% annual, Decl Bal 1 Fee 1 Ins Ins None 5.0%-10.0% upfront 20.00 ongoing 11.7% - 11.8% 17.1% - 17.7% 57
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