Please note that the information you are viewing is 81 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE


The First MicroFinanceBank Ltd. 16th, 17th Floor, Habib Bank Ltd. Tower, Near China ChowkBlue AreaIslamabad, Federal44000
Data approved: 2013-07-25
Data version: 1
Age of data: 81 months


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Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 13,499,330
Portfolio (USD)USD 137,748.27
Active Clients with Loans494
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Solidarity groupx
Village banking
Self help group
Financing facility for General Purposes like health needs, education, etc.
Loan Purpose
Any purpose
Income generation
Consumer loan
Other household financex
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other training
Other (2)
No other services
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution6
# Regions for this product6
Regions ActiveAzad Kashmir, Balochistan, Gilgit-Baltistan, Khyber Pakhtunkwa, Punjab, Sindh

Loan Conditions

Loan Amount
Minimum loan sizePKR 10,000
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,00010%
PKR 10,000-25,00060%
PKR 25,000-50,00030%
PKR 50,000-75,0000
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 average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Every 2 weeks
Every 4 weeks
Every 2 months
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Lowest quoted nominal interest26.00%
Highest quoted nominal interest38.40%
Reason(s) why interest rate variesBranch, Loan Repayment Type (Bullet and Installment)
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
Descriptionloan processing fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min638
Fixed amount - max638
Reason for variationFee is fixed. Insurance fee is part of processing fee
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
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
Are taxes charged on this product?Yes
Percentage of fees16%
All or some fees taxedSome

Full Pricing Data

General Purpose Finance samples
Sample 1Sample 2Sample 3
Loan AmountPKR 10,000PKR 20,000PKR 50,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-08-232013-04-252013-07-30
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)0.2 months0.0 months0.2 months
Total Cost of CreditPKR 3,237PKR 4,246PKR 13,640
True Price by Comp     
Interest price component26.0%31.3%26.0%
Fee Component8.6%6.3%1.6%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)34.6%37.6%27.6%
Transparency IndexN/AN/AN/A
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
General Purpose Finance Price Graphs

Please note that the information you are viewing is 83 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE


Association Marocaine Soladirite Sans Frontieres / Micro-Credit 1, Rue Abi, Dar El GhoufariQuartier Prince Heritier 1er EtageFès, Maroc30000
Data approved: 2013-04-25
Data version: 1
Age of data: 83 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website address
Year established1994
Head of InstitutionZakaria Jebbouri
Regions activeTangier-Tétouan, East and the Rif, Fes-Meknes, Rabat-Sale-Kenitra, Beni Mellal-Khenifra
# Branches49

Total Portfolio (nat'l)MAD 44,000,000
Total Portfolio (USD)USD 5,176,470.59
Active clients with loans13,300
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsFederation Nationale des Association des Micro credit, Reseau Micro Finance Solidaire, AMT, Reseau Sanabel
FundersFonds Jaida, ICO, SGMB banque, Credit Agricole

Loan Products » Summary

10,593 Borrowers
USD 6,326,428.82 Portfolio
Active Product
1,855 Borrowers
USD 1,488,352.94 Portfolio
Active Product
1,067 Borrowers
USD 925,058.82 Portfolio
Active Product
155 Borrowers
USD 175,647.06 Portfolio
Active Product
107 Borrowers
USD 164,411.76 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Produit Solidaire MAD 500 - 15,000 3 - 18 60% - 80% 60% - 80% Business Women, Men, Have business Group Mtgs, Other Training
Produit Investissement MAD 3,000 - 30,000 6 - 30 20% - 40% 60% - 80% Business Women, Men, Have business
Produit Logement MAD 3,000 - 30,000 3 - 30 80% - 100% 80% - 100% Business Women, Men, Have business, Have home or land
Produit Elevage MAD 3,000 - 30,000 6 - 18 0% - 20% 0% Business Women, Men
Produit Fellah MAD 3,000 - 25,000 4 - 6 0% - 20% 0% - 20% Business Women, Men

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Produit Solidaire 19.2%-24.0% annual, Flat 1 Fee 0 Ins None N/A 40% - 49.6% 40% - 49.6% 41
Produit Investissement 18.0%-24.0% annual, Flat 1 Fee 0 Ins None N/A 35.3% - 50% 35.3% - 50% 42
Produit Logement 18.0%-24.0% annual, Flat 1 Fee 0 Ins None N/A 37% - 49.4% 37% - 49.4% 41
Produit Elevage 24.0% annual, Flat 1 Fee 0 Ins None N/A 29.6% - 30.7% 29.6% - 30.7% 79
Produit Fellah 26.0% annual, Flat 1 Fee 0 Ins None N/A 31.3% - 32.9% 31.3% - 32.9% 81
Institution Price Graph
Caps / Zoom options
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
X Axis
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N (# of Samples)
Total Borrrowers of Samples
Std Dev
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By Country

Total Borrowers of Samples

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