| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.vdopak.org |
| Year established | 1993 |
| Head of Institution | Muhammad Rafique Talpur |
| Regions active | Sindh |
| # Branches | 2 |
| Total Portfolio (nat'l) | PKR 47,938,384 |
| Total Portfolio (USD) | USD 489,167.18 |
| Active clients with loans | 3,912 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | MON-PAK, SMN, STOP TB Partnership, CERISE Certified |
| Funders | Pakistan Poverty Alleviation Fund, ORIX Leasing Pakistan Limited, OPP-OCT |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.gvmfl.com/ |
| Year established | 1986 |
| Head of Institution | Mr.S.Devaraj, Chairman and Managing Director |
| Regions active | Madhya Pradesh, Maharashtra, Tamil Nadu, Puducherry |
| # Branches | 285 |
| Total Portfolio (nat'l) | INR 5,411,394,265 |
| Total Portfolio (USD) | USD 102,101,778.60 |
| Active clients with loans | 738,218 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | MFIN, Sadhan, MIX |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Enterprise Loan | PKR 5,000 - 30,000 | 12 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business, Specific age group, Must have relevant (enterpise/business) experience | Group Mtgs, Tech Asst Visits, Business Training, Other Training, Exposure visit | |||||||
| Agriculture Loan | PKR 5,000 - 30,000 | 6 - 9 | 20% - 40% | 0% | Business, Agriculture | Women, Men, Specific age group, Must have relevant (agriculture/farming) experience | Group Mtgs, Tech Asst Visits, Business Training, Other Training, Exposure Visit | |||||||
| Live Stock Loan | PKR 5,000 - 30,000 | 12 | 40% - 60% | 0% - 20% | Business | Women, Men, Specific age group, Must have relevant (livestock) experience | Group Mtgs, Tech Asst Visits, Business Training, Other Training, Exposure Visit |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loan | INR 10,000 - 15,000 | 6 - 12 | 100% | 20% - 40% | Business | Women | Credit Educ, Group Mtgs |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Enterprise Loan | 22.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 42% - 42.1% | 42% - 42.1% | N/A | ||||||||
| Agriculture Loan | 24.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 27.7% | 27.7% | N/A | ||||||||
| Live Stock Loan | 22.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 30.2% - 30.3% | 30.2% - 30.3% | N/A |
| Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loan | 23.3% - 23.7% | 25.4% - 27.9% | 27.5% - 31.4% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loan | 26.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 25.4% - 27.9% | 27.5% - 31.4% | 87 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Enterprise Loan | 22.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 42% - 42.1% | 42% - 42.1% | N/A | ||||||||
| Agriculture Loan | 24.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 27.7% | 27.7% | N/A | ||||||||
| Live Stock Loan | 22.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 30.2% - 30.3% | 30.2% - 30.3% | N/A |
| Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loan | 23.3% - 23.7% | 25.4% - 27.9% | 27.5% - 31.4% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loan | 26.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 25.4% - 27.9% | 27.5% - 31.4% | 87 |
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