2. SRSO
Please note that the information you are viewing is 107 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Ecofuturo
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

Sindh Rural Support Organization SRSO Complex, Near Taj Petroleum Pump, Shikarpur Road, SukkurSukkur, Sindh65200
Data approved: 2015-04-30
Data version: 2
Age of data: 107 months
Choose version

Institution

Ecofuturo S.A. Calle Mexico 1530 entre Otero de la Vega y Nicolas AcostaLa Paz
Data approved: 2013-12-31
Data version: 2
Age of data: 124 months
Choose version
  • No previous version for this product.

Product

Agri- Inputs Product 1 of 3 « Prev | Next »

Product

Eco - Vivienda (BOB) Product 10 of 12 « Prev | Next »

Product Summary

Number borrowers25,349
Loan Amount (range)PKR 10,000 - 35,000
Loan Term (range)4 - 8
Other Services (text summary)Group Mtgs, Tech Asst Visits, Business Training, Other Training
Annual Interest & Method28.0% annual, Decl Bal
Fees450.00 upfront
Insurance150.00 upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component19.8% - 26.2%
Fee Component1.0% - 9.4%
Insurance Component0.4% - 3.2%
Tax Component Range0
Full APR (int fee ins tax dep)29.7% - 38.8%
Transparency Index (min/max)72 - 100
Transparency Index (average)84

Product Summary

880
BOB 35,000 - 3,500,000
3 - 120
Credit Ins
6.0%-23.0% annual, Decl Bal
None
0.25%-9.96% ongoing Y
None
N/A
 
9.9% - 28.9%
0
0.9% - 1.9%
0
11.0% - 24.8%
24 - 67
37

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 458,129,334
Portfolio (USD)USD 4,498,830.06
Active Clients with Loans25,349
Approximate % Female Clients80%
Approximate % Urban Clients0
Methodology
Individual
Solidarity group
Village banking
Self help group
Other
Description
Agri- Inputs loans for farmers to utilized their land and cultivating disfferent crops I;e. cotton, wheat, rice & sugarcane.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveSindh

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 113,951,172
Portfolio (USD)USD 16,881,655.11
Active Clients with Loans880
Approximate % Female Clients20% - 40%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Créditos a personas asalariadas o microempresarios que destinen el credito a la vivienda
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherCompra de Vivienda
Other (2)Construcción
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
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 institution9
# Regions for this product9
Regions ActiveBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 10,000
Maximum loan size35,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0005%
PKR 10,000-25,00080%
PKR 25,000-50,00015%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term8.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months20%
Between 7 and 9 months80%
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0.3 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 monthsx
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 35,000
Maximum loan size3,500,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,0000
BOB 10,000-40,00010%
BOB 40,000-70,00015%
BOB 70,000-100,00015%
BOB 100,000-125,00010%
Greater than BOB 125,00010%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term120.0 months
Approx average97.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months100%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 monthsx
Quarterlyx
Every 6 monthsx
Every 12 months
Single end payment
Irregular paymentsx

Pricing Information

Interest
Lowest quoted nominal interest28.00%
Highest quoted nominal interest28.00%
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
DescriptionProcessing fee
% of loan amount - min00
% of loan amount - max00
OR, Fixed amount - min4500
Fixed amount - max4500
Reason for variationN/A
Appears on Repayment Sched?YesNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min150
Fixed amount - max150
Reason for variationN/A
Appears on Repayment Sched?Yes
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

Pricing Information

Interest
Lowest quoted nominal interest6.00%
Highest quoted nominal interest23.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1Ins 2
DescriptionSeguro de DesgravamenSeguro de todo Riesgo
% of loan amount - min0.25%0
% of loan amount - max9.96%0.80%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationFee is 0.083%, charged each month on the outstanding loan principal only.Fee is 0.0067% per month, charged on the oustanding loan principal balance only. Charged only if value of collateral is insufficient.
Appears on Repayment Sched?YesYes
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

Agri- Inputs 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
PKR 10,000 Real 2015-05-01 5.9 months N/A PKR 1,980.82 38.8% 26.2% 9.4% 3.2% 0.0% 0.0% 72 PDF PDF
PKR 10,000 Generated 2015-05-01 5.9 months N/A PKR 1,980.82 38.8% 26.2% 9.4% 3.2% 0.0% 0.0% 72 - PDF
PKR 15,000 Real 2015-05-01 5.9 months N/A PKR 2,671.23 34.5% 26.2% 6.2% 2.1% 0.0% 0.0% 81 PDF PDF
PKR 15,000 Generated 2015-05-01 5.9 months N/A PKR 2,671.23 34.5% 26.2% 6.2% 2.1% 0.0% 0.0% 81 - PDF
PKR 18,000 Generated 2015-05-01 5.9 months N/A PKR 3,085.48 33.1% 26.2% 5.2% 1.7% 0.0% 0.0% 85 - PDF
PKR 20,000 Generated 2015-05-01 5.9 months N/A PKR 3,361.64 32.4% 26.2% 4.7% 1.5% 0.0% 0.0% 86 - PDF
PKR 22,000 Generated 2015-05-01 5.9 months N/A PKR 3,637.81 31.8% 26.2% 4.2% 1.4% 0.0% 0.0% 88 - PDF
PKR 23,000 Generated 2015-05-01 5.9 months N/A PKR 3,775.89 31.6% 26.2% 4.0% 1.4% 0.0% 0.0% 89 - PDF
PKR 30,000 Generated 2015-05-01 5.9 months N/A PKR 4,742.47 30.3% 26.2% 3.1% 1.0% 0.0% 0.0% 92 - PDF
PKR 35,000 Generated 2015-05-01 5.9 months N/A PKR 5,432.88 29.7% 26.2% 2.7% 0.8% 0.0% 0.0% 94 - PDF

Full Pricing Data

Eco - Vivienda (BOB) samples
Sample 1Sample 2Sample 3
Loan AmountBOB 57,000BOB 80,000BOB 100,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-12-122014-04-012014-04-01
Loan Term (Months)97.0 months61.0 months73.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditBOB 51,807.68BOB 22,522.01BOB 76,274.05
True Price by Comp     
Interest price component17.2%9.9%23.7%
Fee Component0.0%0.0%0.0%
Insurance Component1.1%1.1%1.1%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)18.3%11.0%24.8%
Transparency Index335424
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Agri- Inputs Price Graphs


Click to view Price Analysis Tool
Eco - Vivienda (BOB) Price Graphs


Click to view Price Analysis Tool
Caps / Zoom options
Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞