Institution Type | Non-Governmental Organization |
Is this institution regulated? | Yes |
Website address | http://www.thardeep.org |
Year established | 1998 |
Head of Institution | Ms. Parsa Pathani |
Regions active | Sindh |
# Branches | 151 |
Total Portfolio (nat'l) | PKR 1,407,060,752 |
Total Portfolio (USD) | USD 13,817,336.58 |
Active clients with loans | 100,001 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 0% - 20% |
Network affiliations | Pakistan Microfinance Network, Rural Support Programme Network, National Disaster Management Authority |
Funders | Pakistan Poverty Alleviation Fund (PPAF), USAID, Government Of Sindh, Save the Children |
Institution Type | Private 'For-Profit' |
Is this institution regulated? | Yes |
Website address | http://www.spandanaindia.com/ |
Year established | 2004 |
Head of Institution | Padmaja Reddy G. |
Regions active | 0 |
# Branches | 1795 |
Total Portfolio (nat'l) | INR 43,180,018,634 |
Total Portfolio (USD) | USD 959,555,969.60 |
Active clients with loans | 4,959,649 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 0% - 20% |
Network affiliations | Sadhan, Mix Market, MFIN, WWB |
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 |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Abhilasha | INR 6,000 - 20,000 | 11.5 - 23.1 | 80% - 100% | 0% - 20% | Business, Housing, Education, Other, to retire expensive debt, health purposes including better nutrition | Women, economically active | Credit Educ, Group Mtgs, Other Training | |||||||
Dharani | INR 5,000 - 50,000 | 3 - 11 | 0% - 20% | 0% - 20% | Business, only for working capital, exclusively for agri and allied purposes | Women, Men, Must have agriculture ativity and secondary source of income | Credit Educ, Group Mtgs | |||||||
Pragathi | INR 15,000 - 50,000 | 12 - 18 | 80% - 100% | 0% - 20% | Business, for income generation purposes | Women, self-employed | Credit Educ, Group Mtgs |
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 |
Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Abhilasha | 0% | 27.7% - 28.5% | 27.7% - 28.5% | N/A | ||||||||||
Dharani | 0% | 22.8% - 22.9% | 22.8% - 22.9% | N/A | ||||||||||
Pragathi | 0% | 28% - 28.4% | 28% - 28.4% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Abhilasha | 12.5%-15.0% annual, Flat | 2 Fees | 0 Ins | None | N/A | 27.7% - 28.5% | 27.7% - 28.5% | 44 | ||||||||
Dharani | 21.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 22.8% - 22.9% | 22.8% - 22.9% | 92 | ||||||||
Pragathi | 25.0% annual, Decl Bal | 2 Fees | 0 Ins | None | N/A | 28% - 28.4% | 28% - 28.4% | 88 |
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 |
Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Abhilasha | 0% | 27.7% - 28.5% | 27.7% - 28.5% | N/A | ||||||||||
Dharani | 0% | 22.8% - 22.9% | 22.8% - 22.9% | N/A | ||||||||||
Pragathi | 0% | 28% - 28.4% | 28% - 28.4% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Abhilasha | 12.5%-15.0% annual, Flat | 2 Fees | 0 Ins Ins | None | N/A | 27.7% - 28.5% | 27.7% - 28.5% | 44 | ||||||||
Dharani | 21.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 22.8% - 22.9% | 22.8% - 22.9% | 92 | ||||||||
Pragathi | 25.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | N/A | 28% - 28.4% | 28% - 28.4% | 88 |
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