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Institution

Association for Gender Awareness & Human Empowerment 3-A Lalazar Colony, Phase 2, Raiwind RoadLahore, Punjab
Data approved: 2015-05-04
Data version: 2
Age of data: 53 months

Institution

ARDCI NGO Group, Inc. Sta. ElenaVirac, Catanduanes4800
Data approved: 2011-11-16
Data version: 1
Age of data: 98 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.agahe.org.pk/
Year established2001
Head of InstitutionMubarak Ali Sarwar
Regions activePunjab
# Branches5

Total Portfolio (nat'l)PKR 81,185,156
Total Portfolio (USD)USD 797,238.23
Active clients with loans7,365
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsPunjab Micro Finance Network, Human Resource Development Network, Punjab NGO Coordination Council, Pakistan Center for Philanthropy
FundersPakistan Poverty Alleviation Fund, Water Aid, IOM, UN-OCHA / ERF

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.ardci.org/
Year established1995
Head of InstitutionVictor T. Bernal
Regions active
# Branches28

Total Portfolio (nat'l)PhP 388,548,183
Total Portfolio (USD)USD 9,295,411.08
Active clients with loans45,967
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliations
FundersEuropean Union, Department of Agriculture

Loan Products » Summary

7,360 Borrowers
USD 795,806.15 Portfolio
Active Product
5 Borrowers
USD 1,432.08 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

44,667 Borrowers
USD 9,403,105.02 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
General Loans PKR 15,000 - 30,000 12 80% - 100% 0% - 20% Business, Agriculture Women, Men, Have business, Have home or land, Salaried worker, Specific age group Group Mtgs, Credit Ins, Business Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Micro Business (MB) PHP 10,000 - 200,000 3 - 12 60% - 80% 20% - 40% Business Women, Men 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
General Loans 20.0% annual, Flat 1 Fee 1 Ins None N/A 37.3% - 37.6% 39.3% - 39.6% 50

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Business (MB) 24.0% annual, Flat 0 Fees 2 Ins None 10.0% upfront 30.00 ongoing 44.2% - 46.3% 58.5% - 75.7% 37

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
General Loans 20.0% annual, Flat 1 Fee 1 Ins Ins None N/A 37.3% - 37.6% 39.3% - 39.6% 50

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Business (MB) 24.0% annual, Flat 0 Fees 2 Ins Ins None 10.0% upfront 30.00 ongoing 44.2% - 46.3% 58.5% - 75.7% 37
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