Please note that the information you are viewing is 106 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Tameer Microfinance Bank A-15, Block 7/8 KCHS Union, Karachi 75350, PakistanKarachi75350
Data approved: 2015-04-15
Data version: 2
Age of data: 106 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.tameerbank.com
Year established2005
Head of InstitutionNadeem Hussain (CEO & President)
Regions activeAzad Kashmir, Balochistan, Khyber Pakhtunkwa, Punjab, Sindh
# Branches153

Total Portfolio (nat'l)PKR 8,701,618,309
Total Portfolio (USD)USD 85,449,891.79
Active clients with loans221,224
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsPakistan Micro Finance Network
FundersCGAP, DFID

Loan Products » Summary

89,701 Borrowers
USD 55,629,473.65 Portfolio
Active Product
38,736 Borrowers
USD 8,601,720.39 Portfolio
Active Product
4,139 Borrowers
USD 2,797,699.21 Portfolio
Active Product
67,453 Borrowers
USD 9,973,293.01 Portfolio
Active Product
2,084 Borrowers
USD 2,111,298.50 Portfolio
Active Product
18,352 Borrowers
USD 6,182,667.26 Portfolio
Active Product
759 Borrowers
USD 153,739.79 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Tameer Sarmaya Qarza (TSQ) PKR 10,000 - 150,000 3 - 12 20% - 40% 20% - 40% Business, Agriculture, Other Women, Men Credit Ins
Karobar Loan PKR 10,000 - 125,000 6 - 24 0% - 20% 60% - 80% Business Women, Men, Have business
Livestock Financing PKR 50,000 - 400,000 12 - 24 0% 100% Business Women, Men, Have business
Group Loan PKR 15,000 - 25,000 12 - 36 60% - 80% 60% - 80% Business Women, Men
House Finance PKR 20,000 - 450,000 24 - 60 0% 100% Housing, Consumer Women, Men, Have home or land Credit Ins
Salary Loan PKR 10,000 - 150,000 12 - 36 0% - 20% 100% Consumer, Other Women, Men, Salaried worker

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Tameer Sarmaya Qarza (TSQ) 27.0%-33.0% annual, Flat 1 Fee 0 Ins 16.00% fees N/A 26% - 31.2% 26.3% - 31.9% 95
Karobar Loan 23.0% annual, Flat 1 Fee 0 Ins 16.00% fees N/A 43.1% - 46.1% 43.9% - 47.4% 51
Livestock Financing 23.0%-30.0% annual, Flat 1 Fee 0 Ins 16.00% fees N/A 39.3% - 48.5% 39.7% - 48.9% 52
Group Loan 22.0% annual, Flat 1 Fee 0 Ins 16.00% fees 5.0%-10.0% upfront 40.2% - 42.6% 44.7% - 49.1% 47
House Finance 19.0%-20.0% annual, Flat 1 Fee 0 Ins 16.00% fees N/A 33.9% 34.2% 56
Salary Loan 18.0% annual, Flat 1 Fee 0 Ins 16.00% fees N/A 32.9% - 38% 33.4% - 39.2% 49
Institution Price Graph
Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Sekam Trust International Tulaku, behind Amal BankPBM 16AF, Adenta FlatsAshaiman, Greater Accra
Data approved: 2013-03-15
Data version: 2
Age of data: 132 months

Product

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Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 146,000
Portfolio (USD)USD 74,111.68
Active Clients with Loans365
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Designed for petty traders and fish mongers, mostly women in groups of 5-10 members.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loan
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
OtherBook keeping training
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
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 ActiveGreater Accra Region

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 200
Maximum loan sizeGHS 500
Distribution at Disbursement (Est.)
Loans less than GHS 1,000100%
GHS 1,000-5,0000
GHS 5,000-7,5000
GHS 7,500-10,0000
GHS 10,000-13,0000
Greater than GHS 13,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term6.0 months
Approx average4.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less40%
Between 4 and 6 months60%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period0.8 months
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest5.00%
Highest quoted nominal interest8.00%
Reason(s) why interest rate variesClient Risk, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionProcessing FeeRegistration Fee
% of loan amount - min2.00%0
% of loan amount - max2.00%0
OR, Fixed amount - min010
Fixed amount - max010
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min1.20%
% of loan amount - max1.20%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid10.50%
Maximum interest rate paid10.50%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Full Pricing Data

Group Loan samples
Sample 1Sample 2Sample 3
Loan AmountGHS 250GHS 300GHS 375
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2012-11-252012-11-252013-01-20
Loan Term (Months)5.8 months5.8 months5.8 months
Grace Period (Months)0.2 months0.2 months0.2 months
Total Cost of CreditGHS 138GHS 163.60GHS 202
True Price by Comp     
Interest price component154.0%154.0%154.0%
Fee Component26.0%23.0%20.0%
Insurance Component5.4%5.4%5.4%
Tax Component0.0%0.0%0.0%
Deposit Component72.3%70.8%69.4%
Full APR (int fee ins tax dep)257.7%253.2%248.8%
Transparency Index232424
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Group Loan Price Graphs


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