Please note that the information you are viewing is 62 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE


Organization For Partcipatory Development Gulzar E Ibrahim Street No 1,Gujranwala, Punjab52250
Data approved: 2015-04-18
Data version: 2
Age of data: 62 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website address
Year established1991
Head of InstitutionSyed Qurban Raza
Regions activePunjab
# Branches5

Total Portfolio (nat'l)PKR 93,483,333
Total Portfolio (USD)USD 918,006.33
Active clients with loans7,501
Approximate % female clients40% - 60%
Approximate % urban clients60% - 80%
Network affiliationsPakistan Microfinance Network
FundersPakistan Poverty Allevation Fund PPAF

Loan Products » Summary

7,465 Borrowers
USD 911,811.54 Portfolio
Active Product
36 Borrowers
USD 6,194.79 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
Working Capital Loan PKR 10,000 - 45,000 12 40% - 60% 80% - 100% Business Women, Men, Have business

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Working Capital Loan 20.0% annual, Flat 2 Fees 0 None N/A 42.5% - 42.6% 42.5% - 42.6% 47
Institution Price Graph
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


Cantilan Bank, Inc. (A Rural Bank) Orozco St., Brgy. MagosilomCantilan, Surigao del Sur8317
Data approved: 2011-11-15
Data version: 1
Age of data: 106 months


MAKITA - Magkahupong Kita Alang Sa Tanan Product 3 of 5 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 8,180,000
Portfolio (USD)USD 195,693.78
Active Clients with Loans2,622
Approximate % Female Clients60% - 80%
Approximate % Urban Clients40% - 60%
Solidarity groupx
Village banking
Self help group
OtherASA/Grameen Methodologies combined
A loan product for group of micro-entrepreneurs (i.e. group of farmers, fisher folk, etc) as start-up or additional capital.
Loan Purpose
Any purpose
Income generationx
Consumer loan
Other household finance
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other training
Other (2)
No other services
Must run a businessx
Must own a home or landx
Must be a salaried worker
Must be specific age groupx
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
Minimum loan sizePHP 3,000
Maximum loan size25,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Every 2 weeks
Every 4 weeks
Every 2 months
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Lowest quoted nominal interest2.00%
Highest quoted nominal interest2.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionService Charge
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
% 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 forAll
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 deposited0.74%
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid2.00%
Maximum interest rate paid2.00%
Interest payment frequencyAnnually
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A
Additional Comments
Documentary Stamps = PhP1 per PhP2 loan\rSavings During: .74%-1.17%

Full Pricing Data

MAKITA - Magkahupong Kita Alang Sa Tanan samples
Sample 1Sample 2Sample 3
Loan AmountPHP 3,000PHP 8,000PHP 15,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-08-222011-08-222011-08-22
Loan Term (Months)6.1 months6.1 months6.1 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component68.6%68.6%68.6%
Insurance Component4.3%4.3%4.3%
Tax Component0.0%0.0%0.0%
Deposit Component16.0%20.6%13.9%
Full APR (int fee ins tax dep)88.9%93.6%86.9%
Transparency Index272628
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
MAKITA - Magkahupong Kita Alang Sa Tanan Price Graphs

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Key Statistics
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# 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
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