| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.tameerbank.com |
| Year established | 2005 |
| Head of Institution | Nadeem Hussain (CEO & President) |
| Regions active | Balochistan, Khyber Pakhtunkwa, Punjab, Sindh |
| # Branches | 115 (inclusive of Financial Centres & Community Centres) |
| Total Portfolio (nat'l) | PKR 6,960,000,000 |
| Total Portfolio (USD) | USD 71,020,408.16 |
| Active clients with loans | 160,336 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Pakistan Micro Finance Network |
| Funders | CGAP, DFID |
| 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 - 18 | 0% - 20% | 60% - 80% | Business | Women, Men, Have business | ||||||||
| Livestock Financing | PKR 50,000 - 400,000 | 6 - 24 | 0% | 100% | Business | Women, Men, Have business | ||||||||
| Group Loan | PKR 15,000 - 25,000 | 6 - 12 | 60% - 80% | 60% - 80% | Business | Women, Men | ||||||||
| Motorbike Financing | PKR 25,000 - 79,200 | 12 - 24 | 0% | 100% | Business, Consumer | Men | Credit Ins | |||||||
| 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 - 18 | 0% - 20% | 100% | Consumer, Other | Women, Men, Salaried worker |
| 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 | 27.8% - 41.2% | 28% - 42.9% | N/A | ||||||||
| Karobar Loan | 21.0%-25.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | N/A | 40.4% - 47.4% | 41% - 49% | N/A | ||||||||
| Livestock Financing | 23.0%-30.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | N/A | 40.4% - 42.3% | 40.5% - 42.7% | N/A | ||||||||
| Group Loan | 21.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | 5.0%-10.0% upfront | 39.8% - 43.8% | 46.9% - 48.3% | N/A | ||||||||
| Motorbike Financing | 28.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | N/A | 39.3% - 49.4% | 39.9% - 49.7% | N/A | ||||||||
| House Finance | 19.0%-20.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | N/A | 32.3% - 42.8% | 32.4% - 43.6% | N/A | ||||||||
| Salary Loan | 18.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | N/A | 33.3% - 42.7% | 33.4% - 44.2% | N/A |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| KBL | 468,300 | 120,082,000 | 16 | 107 |
| KF | 233,600 | 41,416,000 | 4 | 106 |
| NRSP | 399,900 | 70,157,000 | 3 | 107 |
| ASA | 230,400 | 29,637,000 | 3 | 107 |
| TMFB | 221,200 | 85,449,000 | 7 | 107 |
| FMFB | 163,544 | 38,481,323 | 9 | 125 |
| TRDP | 100,000 | 13,817,000 | 3 | 107 |
| PRSP | 75,656 | 9,907,176 | 3 | 125 |
| BRAC^P | 57,300 | 11,869,000 | 3 | 107 |
| SRSO | 51,100 | 7,775,000 | 3 | 107 |
| SSF | 46,000 | 4,776,000 | 3 | 107 |
| FINCA | 82,000 | 43,559,000 | 9 | 107 |
| JWS | 36,000 | 6,545,000 | 2 | 107 |
| RCDS | 35,552 | 4,856,122 | 4 | 125 |
| DAMEN | 35,185 | 7,150,864 | 1 | 125 |
| FFO | 22,400 | 3,335,000 | 3 | 107 |
| OLP | 21,400 | 3,510,000 | 3 | 107 |
| CSC | 17,600 | 3,147,000 | 1 | 107 |
| AMRDO | 13,800 | 1,206,000 | 5 | 107 |
| WMBL | 13,800 | 6,105,000 | 3 | 107 |
| Mojaz | 13,400 | 2,415,000 | 2 | 107 |
| SDF | 11,500 | 1,041,000 | 4 | 107 |
| POMFB | 8,500 | 2,795,000 | 4 | 107 |
| OPD | 7,500 | 918,000 | 2 | 107 |
| AGAHE | 7,300 | 797,000 | 2 | 107 |
| NRDP | 6,184 | 1,521,972 | 3 | 125 |
| GBTI | 6,100 | 669,000 | 3 | 125 |
| WASIL | 4,300 | 1,135,000 | 2 | 107 |
| Micro Options | 4,000 | 768,000 | 5 | 107 |
| VDO | 3,900 | 489,000 | 3 | 125 |
| SVDP | 3,900 | 811,000 | 13 | 125 |
| SRDO | 3,500 | 766,000 | 4 | 107 |
| OSDI | 2,000 | 923,000 | 3 | 107 |
| APMBL | 1,800 | 1,401,000 | 3 | 107 |
| BEDF | 1,400 | 209,000 | 3 | 125 |
| KCDO | 800 | 94,000 | 1 | 125 |
| Key Statistics | |
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