Please note that the information you are viewing is 106 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Al-Mehran Rural Development Organization Banglow No. 16-A, Prince Town Phase IIBehind Naitonal Bank, Main Wadhu wah road, QasimabadHyderabad, Sindh
Data approved: 2015-05-12
Data version: 2
Age of data: 106 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.amrdo.org
Year established1998
Head of InstitutionMr. Abdul Jabbar Chhachhar
Regions activeSindh
# Branches12

Total Portfolio (nat'l)PKR 124,907,948
Total Portfolio (USD)USD 1,226,596.05
Active clients with loans14,361
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsMON-PAK, NHN-Sindh Chapter, SMN-Sindh, FANSA-Pakistan Chapter
FundersPakistan Povery Alleviation Fund-PPAF/Orix Leasing Pakistan, United Nations Development Program-UNDP, Aurat Foundation-USAID, OPP-OCT/RTI-MISEROR

Loan Products » Summary

12,388 Borrowers
USD 787,153.20 Portfolio
Active Product
133 Borrowers
USD 112,306.73 Portfolio
Low Volume Product
389 Borrowers
USD 64,198.43 Portfolio
Low Volume Product
SME
487 Borrowers
USD 164,925.57 Portfolio
Low Volume Product
EID
409 Borrowers
USD 77,430.70 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 » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
MC Enterprise PKR 3,000 - 75,000 12 40% - 60% 40% - 60% Business Women, Men, Have business Group Mtgs

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
MC Enterprise 22.0% annual, Flat 2 Fees 0 None N/A 47.8% - 48.5% 47.8% - 48.5% 45
Institution Price Graph
Please note that the information you are viewing is 151 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Katipunan Bank (ZN), Inc Quezon Ave. cor. Aguilar St.MiputakDipolog City, Zamboanga del Norte/Region IX7100
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Product

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Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 147,532,358
Portfolio (USD)USD 3,529,482.25
Active Clients with Loans36,402
Approximate % Female Clients80% - 100%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
OtherASA Approach
Description
A "pangkabuhayan" loan extended to women who are socially-challenged. The credit methodology used is known as ASA or Association for Social Advancement which promotes a group loan with individual liability.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other trainingx
OtherLivelihood, Leadership Training
Other (2)
No other services
Eligibility
Men
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age groupx
Other18-65 years old
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 1,000
Maximum loan size50,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term6.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.50%
Highest quoted nominal interest2.50%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionService Charge
% of loan amount - min5.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Upfront Insurance Fees
Ins 1
DescriptionLoan Redemption Plan
% of loan amount - min1.50%
% of loan amount - max1.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
Ins 1
DescriptionMBA (Life insurance)
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min20
Fixed amount - max20
Reason for variationN/A
Appears on Repayment Sched?No
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount depositedPHP 100
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 45
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid3.00%
Maximum interest rate paid3.00%
Interest payment frequencyQuarterly
Taxes
Are taxes charged on this product?No

Full Pricing Data

Proyekto Maasenso samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 3,000PHP 8,000PHP 15,000PHP 30,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-06-082011-06-082011-06-082011-06-08
Loan Term (Months)2.8 months3.7 months4.7 months5.6 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component97.0%88.3%97.7%78.9%
Insurance Component72.3%32.5%20.0%12.8%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component9.9%2.6%1.3%0.5%
Full APR (int fee ins tax dep)179.2%123.4%119.1%92.2%
Transparency Index17242533
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Proyekto Maasenso Price Graphs


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