| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.amrdo.org |
| Year established | 1998 |
| Head of Institution | Mr. Abdul Jabbar Chhachhar |
| Regions active | Sindh |
| # Branches | 12 |
| Total Portfolio (nat'l) | PKR 124,907,948 |
| Total Portfolio (USD) | USD 1,226,596.05 |
| Active clients with loans | 14,361 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | MON-PAK, NHN-Sindh Chapter, SMN-Sindh, FANSA-Pakistan Chapter |
| Funders | Pakistan Povery Alleviation Fund-PPAF/Orix Leasing Pakistan, United Nations Development Program-UNDP, Aurat Foundation-USAID, OPP-OCT/RTI-MISEROR |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MC Enterprise | PKR 3,000 - 75,000 | 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | Group Mtgs |
| 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 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MC Enterprise | 22.0% annual, Flat | 2 Fees | 0 | None | N/A | 47.8% - 48.5% | 47.8% - 48.5% | 45 |
| 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 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MC Enterprise | 22.0% annual, Flat | 2 Fees | 0 | None | N/A | 47.8% - 48.5% | 47.8% - 48.5% | 45 |
| 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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