Please note that the information you are viewing is 124 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Badbaan Enterprise Development Forum Mohallah Ferozpura, Tehsil RoadHaripur, Khyber Pakhtoonkhwa22620
Data approved: 2013-05-22
Data version: 1
Age of data: 124 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.badbaan.pk
Year established2006
Head of InstitutionMain Khan Abbasi
Regions activeKhyber Pakhtunkwa
# Branches1

Total Portfolio (nat'l)PKR 20,618,028
Total Portfolio (USD)USD 210,388.04
Active clients with loans1,484
Approximate % female clients40% - 60%
Approximate % urban clients0% - 20%
Network affiliationsPakistan Poverty Alleviation Fund (PPAF), Rural Support Program Network (RSPN), Pakistan Mocrofinance Network (PMN), Regional NGOs Coordination Forum (RNCF)
FundersPakistan Poverty Alleviation Fund, The Bank of Khyber, Rural Support Program Network

Loan Products » Summary

1,415 Borrowers
USD 198,602.04 Portfolio
Active Product
49 Borrowers
USD 7,566.58 Portfolio
Low Volume Product
14 Borrowers
USD 3,090.43 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
Badbaan Enterprise Loan PKR 10,000 - 50,000 12 40% - 60% 0% - 20% Business Women, Men, Have business, Have home or land, Specific age group Group Mtgs, Tech Asst Visits, Business Training, Technical Trainings to Women (Handicraft)

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Badbaan Enterprise Loan 18.0% annual, Flat 1 Fee 0 None N/A 35.1% - 35.2% 35.1% - 35.2% N/A
Institution Price Graph
Please note that the information you are viewing is 127 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Akiba Commercial Bank Plc PO Box 669Amani Place Building, Ohio StreetDar es Salaam255
Data approved: 2013-08-28
Data version: 1
Age of data: 127 months

Product

Biashara Loans ( Individual) Product 1 of 7 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (TZS)TZS 46,470,317,963
Portfolio (USD)USD 29,226,615.07
Active Clients with Loans13,606
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This is a product covering Micro and Small Enterprises with the loan ranging for TZS 500,000 up to TZS 50,000,000 only depending on the size and business requirements.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution4
# Regions for this product4
Regions ActiveArusha, Dar es Salaam, Dodoma, Kilimanjaro

Loan Conditions

Loan Amount
CurrencyTZS
Minimum loan sizeTZS 500,000
Maximum loan size50,000,000
Distribution at Disbursement (Est.)
Loans less than TZS 350,0000
TZS 350,000-1,250,0000
TZS 1,250,000-2,000,0000
TZS 2,000,000-3,000,00010%
TZS 3,000,000-4,000,0005%
Greater than TZS 4,000,0005%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months30%
Between 7 and 9 months10%
Between 10 and 12 months40%
Between 13 and 18 months10%
Longer than 18 months10%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest20.00%
Highest quoted nominal interest22.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionSet up feeApplication Fee
% of loan amount - min1.00%0
% of loan amount - max1.00%0
OR, Fixed amount - min010,000
Fixed amount - max010,000
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Biashara Loans ( Individual) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountTZS 500,000TZS 1,000,000TZS 2,000,000TZS 3,000,000TZS 4,000,000TZS 5,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-07-312013-07-302013-07-302013-07-292013-07-292013-07-30
Loan Term (Months)6.0 months6.0 months6.0 months12.0 months12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditTZS 75,000.02TZS 139,999.98TZS 270,000.02TZS 730,000TZS 969,999.96TZS 1,210,000.04
True Price by Comp           
Interest price component36.0%35.9%35.9%37.6%37.6%37.7%
Fee Component10.7%7.1%5.3%2.7%2.5%2.4%
Insurance Component3.7%3.6%3.6%2.0%2.0%1.9%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)50.4%46.6%44.8%42.3%42.1%42.0%
Transparency Index404345474848
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Biashara Loans ( Individual) Price Graphs


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Loan Portfolio (USD)
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% Products with one or more insurances
% Products with compulsory deposits
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