Please note that the information you are viewing is 76 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

National Rural Development Program NRDP Secretariat, Circular Road, Mumtaz ColonyNarowal, Punjab51600
Data approved: 2013-07-23
Data version: 1
Age of data: 76 months

Product

Seasonal Loan Product 2 of 3 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 2,630,000
Portfolio (USD)USD 26,836.73
Active Clients with Loans387
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0
Methodology
Individual
Solidarity group
Village banking
Self help group
Other
Description
Purpose of loan is only agriculture and with one single recovery payment within six months
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
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 institution1
# Regions for this product1
Regions ActivePunjab

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 10,000
Maximum loan size30,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00060%
PKR 25,000-50,00040%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term6.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months100%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period0.2 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest30.00%
Highest quoted nominal interest30.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
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

Seasonal Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPKR 10,000PKR 10,000PKR 20,000PKR 30,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-162012-11-082013-02-272013-02-27
Loan Term (Months)6.0 months6.0 months6.0 months6.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditPKR 1,700PKR 1,700PKR 3,400PKR 5,100
True Price by Comp       
Interest price component28.2%28.2%28.2%28.2%
Fee Component4.1%4.1%4.1%4.1%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)32.3%32.3%32.3%32.3%
Transparency IndexN/AN/AN/AN/A
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Seasonal Loan Price Graphs


Please note that the information you are viewing is 101 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Dedebit Credit and Savings Institution Head OfficeMekelePO Box 1074
Data approved: 2011-12-23
Data version: 1
Age of data: 101 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established1997
Head of InstitutionAtakilt Kiros
Regions active
# Branches142

Total Portfolio (nat'l)ETB 1,800,000,000
Total Portfolio (USD)USD 97,826,086.96
Active clients with loans397,000
Approximate % female clients20% - 40%
Approximate % urban clients20% - 40%
Network affiliationsAEMFI, INAFI
FundersNPA Norweigan Peoples Aid, SOS Faim, A Glimmer of Hope

Loan Products » Summary

5,000 Borrowers
USD 33,478,260.87 Portfolio
Active Product
25,000 Borrowers
USD 4,293,478.26 Portfolio
Active Product
2,753 Borrowers
USD 543.48 Portfolio
Active Product
5,300 Borrowers
USD 8,206,521.74 Portfolio
Active Product
78,000 Borrowers
USD 14,184,782.61 Portfolio
Active Product
204,000 Borrowers
USD 27,880,434.78 Portfolio
Active Product
41,000 Borrowers
USD 8,260,869.57 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Business Loan ETB 15,000 - 5,000,000 12 - 60 20% - 40% 80% - 100% Business Women, Men, Have business Credit Educ
Civil Servant Loan ETB 1,000 - 50,000 12 - 36 20% - 40% 40% - 60% Any Purpose Women, Men, Salaried worker Credit Educ, Group Mtgs
Ex-fighters Association Loan ETB 10,000 - 10,000 36 20% - 40% 80% - 100% Any Purpose Women, Men, Ex-fighters association members Credit Educ
Housing Loan ETB 15,000 - 5,000,000 12 - 60 20% - 40% 80% - 100% Housing Women, Men Credit Educ
Regular Loan ETB 500 - 20,000 12 - 36 60% - 80% 80% - 100% Business Women, Men Credit Educ, Group Mtgs, Business Training
Rural Package Loan ETB 200 - 30,000 6 - 48 20% - 40% 0% - 20% Business, Agriculture Women, Men Credit Educ, Tech Asst Visits
Urban Package Loan ETB 500 - 10,000 12 - 36 60% - 80% 80% - 100% Any Purpose Women, Men Credit Educ, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 10.0% annual, Decl Bal 0 Fees 0 Ins None N/A 11.1% - 13.2% 11.1% - 13.2% 81
Civil Servant Loan 15.0% annual, Decl Bal 0 Fees 0 Ins None N/A 14% - 14.3% 14% - 14.3% 100
Ex-fighters Association Loan 15.0% annual, Decl Bal 0 Fees 0 Ins None N/A 14.1% 14.1% 100
Housing Loan 9.9% annual, Decl Bal 0 Fees 0 Ins None N/A 10.3% - 11% 10.3% - 11% 92
Regular Loan 18.0% annual, Decl Bal 0 Fees 0 Ins None N/A 16.7% - 17.6% 16.7% - 17.6% 100
Rural Package Loan 18.0% annual, Decl Bal 0 Fees 0 Ins None N/A 18% - 25.9% 18% - 25.9% 86
Urban Package Loan 18.0% annual, Decl Bal 0 Fees 0 Ins None N/A 9.7% 9.7% 100
Institution Price Graph
Caps / Zoom options
Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to