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Institution

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: 124 months

Institution

APAS Financial Services Ltd 4th Floor Diamond Trust BuildingKampala, CentralPO Box 9360
Data approved: 2011-06-29
Data version: 1
Age of data: 156 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.akdn.org/pakistan_microfinance.asp
Year established2002
Head of InstitutionAmir Masood Khan
Regions activeAzad Kashmir, Balochistan, Gilgit-Baltistan, Khyber Pakhtunkwa, Punjab, Sindh
# Branches133

Total Portfolio (nat'l)PKR 4,020,148,567
Total Portfolio (USD)USD 41,021,924.15
Active clients with loans166,267
Approximate % female clients20% - 40%
Approximate % urban clients40% - 60%
Network affiliationsPakistan Microfinance Network (PMN), Microfinance Network (MFN), Banking with the Poor, Aga Khan Development Network (AKDN)
FundersAga Khan Agency for Microfinance (Equity partner/Investor), International Finance Corporation (Equity Partner/Investor), Japan International Corporation Agency (JICA)

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.apasgroup.com/
Year established2005
Head of InstitutionAmos Ruhongore
Regions activeEastern, Western
# Branches2

Total Portfolio (nat'l)UGX 320,000,000
Total Portfolio (USD)USD 128,000
Active clients with loans320
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsAMFIU, Microfinance Management Institute
Funders

Loan Products » Summary

63,528 Borrowers
USD 16,214,001.18 Portfolio
Active Product
54,724 Borrowers
USD 8,530,425.54 Portfolio
Active Product
33,590 Borrowers
USD 8,406,219.68 Portfolio
Active Product
103 Borrowers
USD 47,239.66 Portfolio
Active Product
494 Borrowers
USD 137,748.27 Portfolio
Active Product
10,197 Borrowers
USD 5,358,363.83 Portfolio
Active Product
2,939 Borrowers
USD 1,829,346.10 Portfolio
Active Product
458 Borrowers
USD 324,813.30 Portfolio
Active Product
233 Borrowers
USD 173,650.49 Portfolio
Active Product

Loan Products » Summary

200 Borrowers
USD 100,000 Portfolio
Active Product
120 Borrowers
USD 28,000 Portfolio
Active Product

Loan Products » Conditions

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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Group Loans UGX 100,000 - 1,500,000 3 - 6 40% - 60% 80% - 100% Business Women, Men, Have business Credit Educ, Group Mtgs, Business Training
Individual Business Loans UGX 500,000 - 10,000,000 1 - 6 40% - 60% 80% - 100% Business Women, Men, Have business Other Training

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loans 48.00% annual, Flat 1 Fee 0 Ins None N/A 40.1% - 86.6% 40.1% - 86.6% 75
Individual Business Loans 60.00%-120.00% annual, Flat 1 Fee 0 Ins None N/A 86.2% - 87.1% 86.2% - 87.1% 69

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loans 48.00% annual, Flat 1 Fee 0 Ins Ins None N/A 40.1% - 86.6% 40.1% - 86.6% 75
Individual Business Loans 60.00%-120.00% annual, Flat 1 Fee 0 Ins Ins None N/A 86.2% - 87.1% 86.2% - 87.1% 69
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