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Institution

Thardeep Rural Development Programme Near Dargah Hussain Shah Siran, MithiTharparkar, Sindh69230
Data approved: 2015-05-12
Data version: 2
Age of data: 55 months

Institution

Fundación DECOF José María Peña Nº12-35 y MercadilloLojaEC110102
Data approved: 2010-11-08
Data version: 1
Age of data: 112 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.thardeep.org
Year established1998
Head of InstitutionMs. Parsa Pathani
Regions activeSindh
# Branches151

Total Portfolio (nat'l)PKR 1,407,060,752
Total Portfolio (USD)USD 13,817,336.58
Active clients with loans100,001
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsPakistan Microfinance Network, Rural Support Programme Network, National Disaster Management Authority
FundersPakistan Poverty Alleviation Fund (PPAF), USAID, Government Of Sindh, Save the Children

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established2004
Head of InstitutionAlejandro Macas
Regions active
# Branches1

Total Portfolio (nat'l)USD 705,025.49
Total Portfolio (USD)USD 705,025.49
Active clients with loans2,200
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Loan Products » Summary

53,920 Borrowers
USD 6,236,235.32 Portfolio
Active Product
37,817 Borrowers
USD 6,026,861.22 Portfolio
Active Product
8,264 Borrowers
USD 1,554,240.05 Portfolio
Active Product

Loan Products » Summary

400 Borrowers
USD 178,652 Portfolio
Active Product
1,800 Borrowers
USD 526,373 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Enterprise Loans PKR 5,000 - 100,000 3 - 12 60% - 80% 0% - 20% Business Women, Men, Have business Credit Educ, Business Training
Livestock Loans PKR 5,000 - 70,000 6 - 12 40% - 60% 0% - 20% Business, Livestock Women, Men, must have livestock or want to purchase livestock Credit Educ, Business Training
Agriculture Loans PKR 5,000 - 40,000 4 - 8 0% - 20% 0% Agriculture Men, Have home or land Credit Educ

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Microcrédito (mensual) USD 200 - 2,000 3 - 24 80% - 100% 40% - 60% Any Purpose Women Group Mtgs, Credit Ins
Microcrédito (semanal) USD 200 - 2,000 3 - 24 80% - 100% 40% - 60% Any Purpose Women Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Enterprise Loans 18.0% annual, Flat 1 Fee 1 Ins None N/A 34.4% - 35.6% 35.1% - 37.6% 49
Livestock Loans 18.0% annual, Flat 1 Fee 1 Ins None N/A 18.6% - 21.3% 18.9% - 21.8% 91
Agriculture Loans 18.0% annual, Flat 1 Fee 1 Ins None N/A 20.1% - 21.3% 20.6% - 24% 80

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Microcrédito (mensual) 21.0% annual, Decl Bal 0 Fees 1 Ins None 7.0% upfront 4.00 ongoing 20.8% - 21% 26% - 28.9% 77
Microcrédito (semanal) 21.0% annual, Decl Bal 0 Fees 1 Ins None 7.0% upfront 1.00 ongoing 22.7% - 22.8% 28.5% - 33% 69

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Enterprise Loans 18.0% annual, Flat 1 Fee 1 Ins Ins None N/A 34.4% - 35.6% 35.1% - 37.6% 49
Livestock Loans 18.0% annual, Flat 1 Fee 1 Ins Ins None N/A 18.6% - 21.3% 18.9% - 21.8% 91
Agriculture Loans 18.0% annual, Flat 1 Fee 1 Ins Ins None N/A 20.1% - 21.3% 20.6% - 24% 80

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Microcrédito (mensual) 21.0% annual, Decl Bal 0 Fees 1 Ins Ins None 7.0% upfront 4.00 ongoing 20.8% - 21% 26% - 28.9% 77
Microcrédito (semanal) 21.0% annual, Decl Bal 0 Fees 1 Ins Ins None 7.0% upfront 1.00 ongoing 22.7% - 22.8% 28.5% - 33% 69
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