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

Thardeep Rural Development Programme Near Dargah Hussain Shah Siran, MithiTharparkar, Sindh69230
Data approved: 2015-05-12
Data version: 2
Age of data: 106 months

Product

Enterprise Loans Product 1 of 3 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 635,054,513
Portfolio (USD)USD 6,236,235.32
Active Clients with Loans53,920
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village banking
Self help group
Other
Description
Entrprise loan is offered to men and women for micro enterprenuership, the product is for enhancing the running businesses or to start a new business.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visits
Business trainingx
Other training
Other
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 ActiveSindh

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 5,000
Maximum loan size100,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00060%
PKR 25,000-50,00030%
PKR 50,000-75,00010%
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months15%
Between 10 and 12 months80%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period0.3 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest18.00%
Highest quoted nominal interest18.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionDocumentation Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionHealth and Accidental Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min125
Fixed amount - max125
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

Full Pricing Data

Enterprise Loans 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 2015-04-15 12.0 months N/A PKR 2,125 37.6% 31.2% 3.9% 2.5% 0.0% 0.0% 48 PDF PDF
PKR 10,000 Generated 2015-06-01 11.3 months N/A PKR 2,021.44 37.0% 30.4% 4.0% 2.6% 0.0% 0.0% 49 - PDF
PKR 25,000 Real 2015-04-15 12.0 months N/A PKR 5,125 36.1% 31.2% 3.9% 1.0% 0.0% 0.0% 50 PDF PDF
PKR 25,000 Generated 2015-06-01 11.3 months N/A PKR 4,866.10 35.4% 30.4% 4.0% 1.0% 0.0% 0.0% 51 - PDF
PKR 15,000 Generated 2015-06-01 8.4 months N/A PKR 2,303.90 37.2% 29.8% 5.2% 2.2% 0.0% 0.0% 48 - PDF
PKR 20,000 Generated 2015-06-01 11.3 months N/A PKR 3,917.88 35.7% 30.4% 4.0% 1.3% 0.0% 0.0% 50 - PDF
PKR 22,000 Generated 2015-06-01 11.3 months N/A PKR 4,297.16 35.6% 30.4% 4.0% 1.2% 0.0% 0.0% 51 - PDF
PKR 30,000 Generated 2015-06-01 8.4 months N/A PKR 4,482.81 36.1% 29.8% 5.2% 1.1% 0.0% 0.0% 50 - PDF
PKR 40,000 Generated 2015-06-01 11.3 months N/A PKR 7,710.75 35.1% 30.4% 4.0% 0.7% 0.0% 0.0% 51 - PDF
PKR 70,000 Generated 2015-06-01 5.3 months N/A PKR 7,117.33 36.2% 28.1% 7.5% 0.6% 0.0% 0.0% 50 - PDF
Enterprise Loans Price Graphs


Please note that the information you are viewing is 150 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Dire Microfinance Head OfficeDire DawaPO Box 2859
Data approved: 2011-12-23
Data version: 1
Age of data: 150 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established1996
Head of InstitutionSentayehu Ketema
Regions active
# Branches9

Total Portfolio (nat'l)ETB 17,886,789
Total Portfolio (USD)USD 972,108.10
Active clients with loans5,015
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsAEMFI, MAIN
Funders

Loan Products » Summary

317 Borrowers
USD 88,673.91 Portfolio
Active Product
4,437 Borrowers
USD 534,575 Portfolio
Active Product
187 Borrowers
USD 152,923.91 Portfolio
Active Product
38 Borrowers
USD 52,092.39 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
Consumption Loan ETB 2,000 - 10,000 12 - 24 20% - 40% 80% - 100% Any Purpose Women, Men, Salaried worker Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Group Loan ETB 2,500 - 10,000 1 - 12 60% - 80% 80% - 100% Any Purpose Women, Men Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Individual Loan ETB 2,500 - 80,000 12 - 36 60% - 80% 80% - 100% Any Purpose Women, Men Credit Educ, Tech Asst Visits, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumption Loan 10.0% annual, Decl Bal 1 Fee 0 Ins None N/A 18.1% - 22.1% 18.1% - 22.1% 51
Group Loan 11.5% annual, Decl Bal 1 Fee 0 Ins None N/A 24.2% - 24.5% 24.2% - 24.5% 47
Individual Loan 11.5% annual, Decl Bal 1 Fee 0 Ins None N/A 21.2% - 24.3% 21.2% - 24.3% 51
Institution Price Graph
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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
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