Tameer Microfinance Bank - MFTransparency.org Truth In Lending Tables

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

Please note that the information you are viewing is 136 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: 2013-06-05

Data version: 1

Age of data: - months

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Institution

Union des CLECAM Wisigara RubavuGisenyi, Western RwandaPO Box 588

Data approved: 2012-11-07

Data version: 2

Age of data: 136 months

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Institution Details

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

Institution Details

Institution Type	Credit Union / Cooperative
Is this institution regulated?	Yes
Website address	n/a
Year established	2003
Head of Institution	Florent Majyambere
Regions active	Burera, Gakenke, Musanze, Ngororero, Nyabihu, Rubavu
# Branches	11

Total Portfolio (nat'l)	RWF 579,013,264
Total Portfolio (USD)	USD 904,708.23
Active clients with loans	2,177
Approximate % female clients	40% - 60%
Approximate % urban clients	0% - 20%
Network affiliations	AMIR
Funders	Terrafina, Banque Rwandaise Developpement, AQUADEV, RaboBank

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

Agriculture

1,039 Borrowers

USD 529,287.62 Portfolio

Active Product

Commerce

1,062 Borrowers

USD 189,401.16 Portfolio

Active Product

Other

76 Borrowers

USD 186,019.45 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
Agriculture Loan	RWF 20,000 - 1,000,000	3 - 24	0% - 20%	0% - 20%	Business	Women, Men	Credit Educ, Business Training, Other Training
Commerce Loan	RWF 20,000 - 2,000,000	3 - 12	20% - 40%	0% - 20%	Business, Housing, Consumer, Education	Women, Men, Have business	Credit Educ, Business Training, Other Training
Others Loan	RWF 100,000 - 2,000,000	3 - 12	0% - 20%	0% - 20%	Any Purpose	Women, Men	Credit Educ, Business Training, Education Finance

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Tameer Sarmaya Qarza (TSQ)	27.0%-33.0% annual, Flat	1 Fee	16.00% fees	N/A	27.8% - 41.2%	28% - 42.9%	N/A
Karobar Loan	21.0%-25.0% annual, Flat	1 Fee	16.00% fees	N/A	40.4% - 47.4%	41% - 49%	N/A
Livestock Financing	23.0%-30.0% annual, Flat	1 Fee	16.00% fees	N/A	40.4% - 42.3%	40.5% - 42.7%	N/A
Group Loan	21.0% annual, Flat	1 Fee	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	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	16.00% fees	N/A	32.3% - 42.8%	32.4% - 43.6%	N/A
Salary Loan	18.0% annual, Flat	1 Fee	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
Agriculture Loan	24.00% annual, Decl Bal	2 Fees	1 Ins	None	20.00% upfront	19.7% - 29.3%	29.9% - 42.4%	63
Commerce Loan	24.00% annual, Decl Bal	2 Fees	1 Ins	None	20.00% upfront	27.8% - 78.1%	40.8% - 110.7%	39
Others Loan	24.00%-60.00% annual, Decl Bal	2 Fees	1 Ins	None	20.00% upfront	27.3% - 78.1%	42.5% - 110.7%	35

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
Agriculture Loan	24.00% annual, Decl Bal	2 Fees	1 Ins Ins	None	20.00% upfront	19.7% - 29.3%	29.9% - 42.4%	63
Commerce Loan	24.00% annual, Decl Bal	2 Fees	1 Ins Ins	None	20.00% upfront	27.8% - 78.1%	40.8% - 110.7%	39
Others Loan	24.00%-60.00% annual, Decl Bal	2 Fees	1 Ins Ins	None	20.00% upfront	27.3% - 78.1%	42.5% - 110.7%	35

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Key Statistics
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% Products with compulsory deposits

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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

Total Borrowers of Samples

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