| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.akdn.org/pakistan_microfinance.asp |
| Year established | 2002 |
| Head of Institution | Amir Masood Khan |
| Regions active | Azad Kashmir, Balochistan, Gilgit-Baltistan, Khyber Pakhtunkwa, Punjab, Sindh |
| # Branches | 133 |
| Total Portfolio (nat'l) | PKR 4,020,148,567 |
| Total Portfolio (USD) | USD 41,021,924.15 |
| Active clients with loans | 166,267 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Pakistan Microfinance Network (PMN), Microfinance Network (MFN), Banking with the Poor, Aga Khan Development Network (AKDN) |
| Funders | Aga Khan Agency for Microfinance (Equity partner/Investor), International Finance Corporation (Equity Partner/Investor), Japan International Corporation Agency (JICA) |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 1987 |
| Head of Institution | Alma M. Estolas |
| Regions active | |
| # Branches | 21 |
| Total Portfolio (nat'l) | PhP 119,300,028.50 |
| Total Portfolio (USD) | USD 2,854,067.67 |
| Active clients with loans | 39,663 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | APPEND, MFC- Northern Luzon and CAR, Oikocredit |
| Funders | Oikocredit, PCFC, Small Business Corporation, NLDC |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Finance | PKR 10,000 - 150,000 | 3 - 14 | 0% - 20% | 0% | Agriculture | Women, Men, Has owned or contracted cultivation land and has experience of cultivation | Group Mtgs, Credit Ins | |||||||
| Enterprise Finance | PKR 15,000 - 150,000 | 3 - 18 | 0% - 20% | 80% - 100% | Business | Women, Men, Have business, Start up can also avail loan facility | Group Mtgs, Credit Ins | |||||||
| Livestock Finance (Short Term) | PKR 10,000 - 150,000 | 3 - 12 | 20% - 40% | 0% - 20% | Business, Small animal purchase, raring, fattening and productivity enhancement of large animals | Women, Men | Group Mtgs, Credit Ins | |||||||
| Livestock Finance (Medium Term) | PKR 30,000 - 80,000 | 6 - 36 | 40% - 60% | 0% - 20% | Business, Purchase of milking cow/buffallo | Women, Men, Must have at least 2 existing milking animals | Group Mtgs, Credit Ins | |||||||
| General Purpose Finance | PKR 10,000 - 50,000 | 3 - 12 | 40% - 60% | 0% - 20% | Housing, Education, Other | Women, Men | Group Mtgs, Credit Ins | |||||||
| Micro Pensioner Loan | PKR 20,000 - 150,000 | 6 - 36 | 0% - 20% | 40% - 60% | Any Purpose | Women, Men, Must be a pensioner | Credit Ins | |||||||
| Low Salary Employees Loan | PKR 20,000 - 150,000 | 6 - 36 | 0% - 20% | 40% - 60% | Any Purpose | Women, Men, Salaried worker | Credit Ins | |||||||
| Individual Loan Against Gold | PKR 35,000 - 150,000 | 3 - 12 | 40% - 60% | 100% | Any Purpose | Women, Men | Credit Ins | |||||||
| Individual Loan Against Cash/Near Cash | PKR 20,000 - 150,000 | 3 - 24 | 0% - 20% | 40% - 60% | Any Purpose | Women, Men | Credit Ins |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | PHP 5,000 - 50,000 | 4 | 40% - 60% | 0% - 20% | Business, Agriculture, Purchase of farm inputs | Women, Men, Engaged in farming activities | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Values Formation | |||||||
| General Business Loan | PHP 1,000 - 30,000 | 6 | 80% - 100% | 0% - 20% | Business | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Values Formation | |||||||
| Livestock Loan | PHP 5,000 - 15,000 | 4 - 6 | 60% - 80% | 0% - 20% | Business, Livestock-related expenses | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Values Formation | |||||||
| Salary Loan | PHP 10,000 - 40,000 | 3 - 12 | 40% - 60% | 0% - 20% | Any Purpose | Women, Men, Salaried worker, Barangay Officials | Credit Educ, Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Finance | 26.0%-38.4% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 29.1% - 33.8% | 29.1% - 33.9% | N/A | ||||||||
| Enterprise Finance | 38.4% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 30% - 38.2% | 30% - 38.2% | N/A | ||||||||
| Livestock Finance (Short Term) | 26.0%-38.4% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 27.8% - 40.2% | 27.8% - 40.6% | N/A | ||||||||
| Livestock Finance (Medium Term) | 31.7%-40.9% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 32.1% - 44.6% | 32.1% - 45.1% | N/A | ||||||||
| General Purpose Finance | 26.0%-38.4% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 27.6% - 37.6% | 27.6% - 37.6% | N/A | ||||||||
| Micro Pensioner Loan | 30.0%-32.0% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 30.5% - 36.4% | 30.5% - 36.9% | N/A | ||||||||
| Low Salary Employees Loan | 30.0%-32.0% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 32.2% - 33.6% | 32.2% - 33.6% | N/A | ||||||||
| Individual Loan Against Gold | 24.0% annual, Decl Bal | 2 Fees | 0 Ins | 16.00% fees | N/A | 25.1% - 26.1% | 25.3% - 26.5% | N/A | ||||||||
| Individual Loan Against Cash/Near Cash | 4.0%-20.0% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 4.6% - 25.2% | 4.7% - 26.1% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 36.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0% upfront 200.00 ongoing | 44.6% - 46.2% | 55% - 56.5% | 64 | ||||||||
| General Business Loan | 40.0% annual, Flat | 1 Fee | 2 Ins | None | 40.00 ongoing | 88% - 92.6% | 105.8% - 189.6% | 32 | ||||||||
| Livestock Loan | 36.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0% upfront 200.00 ongoing | 44.6% - 46.5% | 55.1% - 61.4% | 62 | ||||||||
| Salary Loan | 36.0% annual, Flat | 1 Fee | 2 Ins | None | N/A | 66.7% - 68.4% | 73.2% - 79.3% | 47 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Finance | 26.0%-38.4% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 29.1% - 33.8% | 29.1% - 33.9% | N/A | ||||||||
| Enterprise Finance | 38.4% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 30% - 38.2% | 30% - 38.2% | N/A | ||||||||
| Livestock Finance (Short Term) | 26.0%-38.4% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 27.8% - 40.2% | 27.8% - 40.6% | N/A | ||||||||
| Livestock Finance (Medium Term) | 31.7%-40.9% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 32.1% - 44.6% | 32.1% - 45.1% | N/A | ||||||||
| General Purpose Finance | 26.0%-38.4% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 27.6% - 37.6% | 27.6% - 37.6% | N/A | ||||||||
| Micro Pensioner Loan | 30.0%-32.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 30.5% - 36.4% | 30.5% - 36.9% | N/A | ||||||||
| Low Salary Employees Loan | 30.0%-32.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 32.2% - 33.6% | 32.2% - 33.6% | N/A | ||||||||
| Individual Loan Against Gold | 24.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | 16.00% fees | N/A | 25.1% - 26.1% | 25.3% - 26.5% | N/A | ||||||||
| Individual Loan Against Cash/Near Cash | 4.0%-20.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 4.6% - 25.2% | 4.7% - 26.1% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 36.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.0% upfront 200.00 ongoing | 44.6% - 46.2% | 55% - 56.5% | 64 | ||||||||
| General Business Loan | 40.0% annual, Flat | 1 Fee | 2 Ins Ins | None | 40.00 ongoing | 88% - 92.6% | 105.8% - 189.6% | 32 | ||||||||
| Livestock Loan | 36.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.0% upfront 200.00 ongoing | 44.6% - 46.5% | 55.1% - 61.4% | 62 | ||||||||
| Salary Loan | 36.0% annual, Flat | 1 Fee | 2 Ins Ins | None | N/A | 66.7% - 68.4% | 73.2% - 79.3% | 47 |
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