2. TMFB
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  2. Salve
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Institution

Tameer Microfinance Bank A-15, Block 7/8 KCHS Union, Karachi 75350, PakistanKarachi75350
Data approved: 2013-06-05
Data version: 1
Age of data: -   months 
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Institution

Caritas Salve Credit Cooperative RM. 24 Caritas Bldg., Caritas Manila Compound2002 Jesus St., PandacanManila1011
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.tameerbank.com
Year established2005
Head of InstitutionNadeem Hussain (CEO & President)
Regions activeBalochistan, Khyber Pakhtunkwa, Punjab, Sindh
# Branches115 (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 loans160,336
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsPakistan Micro Finance Network
FundersCGAP, DFID

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addresshttp://www.caritas.org.ph/
Year established2006
Head of InstitutionFr. Mario Castillo CM
Regions active
# Branches19

Total Portfolio (nat'l)PhP 57,042,219.37
Total Portfolio (USD)USD 1,364,646.40
Active clients with loans12,142
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsCaritas Manila/United Church Cooperative, Metro South Cooperative Bank, Vincentian Family Multi-Purpose Cooperative, Caritas et labora Human Resource Cooperative
FundersCaritas Manila, Radyo Veritas, Bahay Pari MPC

Loan Products » Summary

Sarmaya
82,561 Borrowers
USD 59,766,218.82 Portfolio
Active Product
Karobar
31,428 Borrowers
USD 5,405,434.46 Portfolio
Active Product
Livestock
348 Borrowers
USD 278,276.35 Portfolio
Active Product
Group
43,136 Borrowers
USD 4,597,445.19 Portfolio
Active Product
Motorbike
501 Borrowers
USD 140,155.67 Portfolio
Active Product
Housing
2,050 Borrowers
USD 1,696,102.26 Portfolio
Active Product
Salary
5,256 Borrowers
USD 953,930.81 Portfolio
Active Product

Loan Products » Summary

Regular 11
659 Borrowers
USD 62,896.77 Portfolio
Active Product
Regular 15
693 Borrowers
USD 97,589.52 Portfolio
Active Product
Regular 23
9,551 Borrowers
USD 1,031,446.29 Portfolio
Active Product

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 - 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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Regular Loan - 11 weeks PHP 2,000 - 150,000 2.6 80% - 100% 80% - 100% Business Women, Men, Have business Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Life insurance, Values Formation
Regular Loan - 15 weeks PHP 2,000 - 150,000 3.5 80% - 100% 80% - 100% Business Women, Men, Have business Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Regular Loan - 23 weeks PHP 2,000 - 150,000 5.3 80% - 100% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Life insurance, Values Formation, Marketing Assistance, Business Development

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 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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Regular Loan - 11 weeks 40.0% annual, Flat 1 Fee 1 Ins None 50.00 ongoing 103.1% 108.1% - 118.2% 36
Regular Loan - 15 weeks 37.6% annual, Flat 1 Fee 1 Ins None 50.00 ongoing 92.6% 96.4% - 111.7% 37
Regular Loan - 23 weeks 30.0% annual, Flat 1 Fee 1 Ins None 50.00 ongoing 71.8% 77.5% - 96.2% 36

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 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 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 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 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 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 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 Ins 16.00% fees N/A 33.3% - 42.7% 33.4% - 44.2% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Regular Loan - 11 weeks 40.0% annual, Flat 1 Fee 1 Ins Ins None 50.00 ongoing 103.1% 108.1% - 118.2% 36
Regular Loan - 15 weeks 37.6% annual, Flat 1 Fee 1 Ins Ins None 50.00 ongoing 92.6% 96.4% - 111.7% 37
Regular Loan - 23 weeks 30.0% annual, Flat 1 Fee 1 Ins Ins None 50.00 ongoing 71.8% 77.5% - 96.2% 36
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