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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: 71 months

Institution

Kazama Grameen, Inc. Blk. 12, Lot 25, Sta. Monica SubdivisionSubic, Zambales2209
Data approved: 2011-11-15
Data version: 1
Age of data: 97 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-Governmental Organization
Is this institution regulated?No
Website addresshttp://kazamagrameen.org/
Year established1991
Head of InstitutionMarlou R. Concepcion
Regions active
# Branches28

Total Portfolio (nat'l)PhP 145,279,953
Total Portfolio (USD)USD 3,475,596.96
Active clients with loans26,607
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliations
Funders

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

9,337 Borrowers
USD 861,244.02 Portfolio
Active Product
14,000 Borrowers
USD 1,555,023.92 Portfolio
Active Product
6,800 Borrowers
USD 765,550.24 Portfolio
Active Product
2,200 Borrowers
USD 239,234.45 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
Multi-Purpose Loan PHP 2,000 - 10,000 3 - 6 80% - 100% 20% - 40% Any Purpose Women, Men, Have business, Have home or land, Specific age group Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
Project Loan 1 PHP 5,000 - 14,000 3 - 6 80% - 100% 20% - 40% Business Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
Project Loan 2 PHP 15,000 - 29,000 3 - 12 80% - 100% 20% - 40% Business Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
Project Loan 3 PHP 30,000 - 150,000 3 - 12 80% - 100% 20% - 40% Business Women, Men, Have business, Have home or land, Specific age group Credit Educ, Group Mtgs, Tech Asst Visits, 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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Multi-Purpose Loan 20.0% annual, Flat 0 Fees 0 Ins None N/A 43.1% 43.1% 46
Project Loan 1 30.0% annual, Flat 0 Fees 0 Ins None 50.00 ongoing 62.5% - 64.1% 67% - 71.2% 43
Project Loan 2 30.0% annual, Flat 0 Fees 1 Ins None 5.0% upfront 50.00 ongoing 61.8% - 63.2% 83.3% - 95.1% 34
Project Loan 3 20.0% annual, Flat 1 Fee 1 Ins None 5.0% upfront 50.00 ongoing 56.1% - 57.2% 73.7% - 76.3% 26

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
Multi-Purpose Loan 20.0% annual, Flat 0 Fees 0 Ins Ins None N/A 43.1% 43.1% 46
Project Loan 1 30.0% annual, Flat 0 Fees 0 Ins Ins None 50.00 ongoing 62.5% - 64.1% 67% - 71.2% 43
Project Loan 2 30.0% annual, Flat 0 Fees 1 Ins Ins None 5.0% upfront 50.00 ongoing 61.8% - 63.2% 83.3% - 95.1% 34
Project Loan 3 20.0% annual, Flat 1 Fee 1 Ins Ins None 5.0% upfront 50.00 ongoing 56.1% - 57.2% 73.7% - 76.3% 26
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