2. VDO
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  2. Hofokam
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Institution

Villagers Development Organization House # 206-A/A, ABL Street, Chaki ParaShahdadpur, Sindh68030
Data approved: 2013-06-14
Data version: 1
Age of data: 125 months

Institution

Hofokam Ltd [email protected][email protected]Fort Portal, Western Uganda228
Data approved: 2011-06-29
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.vdopak.org
Year established1993
Head of InstitutionMuhammad Rafique Talpur
Regions activeSindh
# Branches2

Total Portfolio (nat'l)PKR 47,938,384
Total Portfolio (USD)USD 489,167.18
Active clients with loans3,912
Approximate % female clients40% - 60%
Approximate % urban clients0% - 20%
Network affiliationsMON-PAK, SMN, STOP TB Partnership, CERISE Certified
FundersPakistan Poverty Alleviation Fund, ORIX Leasing Pakistan Limited, OPP-OCT

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addressN/A
Year established2003
Head of InstitutionCharles Isingoma
Regions active0
# Branches5

Total Portfolio (nat'l)UGX 7,921,352,553
Total Portfolio (USD)USD 3,600,614.80
Active clients with loans17,248
Approximate % female clients40% - 60%
Approximate % urban clients0% - 20%
Network affiliationsAMFIU, AMT, MFI Upgrading Initiative
FundersTRIPPLE JUMP, OIKOCREDIT, TRIAS, CRS

Loan Products » Summary

Enterprise
1,647 Borrowers
USD 142,631.44 Portfolio
Active Product
Agriculture
1,180 Borrowers
USD 249,708.87 Portfolio
Active Product
Livestock
1,085 Borrowers
USD 96,826.89 Portfolio
Active Product

Loan Products » Summary

Agriculture Loan
2,506 Borrowers
USD 286,081 Portfolio
Active Product
Individual Loan
2,951 Borrowers
USD 2,040,216 Portfolio
Active Product
Salary Loan
573 Borrowers
USD 262,299 Portfolio
Active Product
School Fees Loan
140 Borrowers
USD 146,565 Portfolio
Active Product
Solidarity Group Loan
1,278 Borrowers
USD 159,241 Portfolio
Active Product
Village Bank Loan
9,843 Borrowers
USD 714,741 Portfolio
Active Product

Loan Products » Conditions

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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan UGX 50,000 - 15,000,000 6 - 12 60% - 80% 20% - 40%
Individual Loan UGX 500,000 - 10,000,000 6 - 24 20% - 40% 20% - 40%
Salary Loan UGX 250,000 - 10,000,000 6 - 12 20% - 40% 20% - 40%
School Fees Loan UGX 700,000 - 1,500,000 6 - 8 20% - 40% 20% - 40%
Solidarity Group Loan UGX 200,000 - 500,000 4 - 12 60% - 80% 40% - 60%
Village Bank Loan UGX 50,000 - 5,000,000 4 - 12 40% - 60% 0% - 20%

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 27.60% annual, Flat 1 Fee 0 Ins 0% - 54.6% 47.9% - 93.5% 40
Individual Loan 27.60% annual, Flat 1 Fee 0 Ins N/A 0% - 52.5% 53.4% - 55.5% 51
Salary Loan 24.00% annual, Flat 1 Fee 1 Ins N/A 43% - 46.5% 44.2% - 49.5% 52
School Fees Loan 24.00% annual, Flat 1 Fee 0 Ins N/A 56.5% - 58.2% 60.3% - 62.1% 39
Solidarity Group Loan 30.00% annual, Flat 1 Fee 1 Ins 66.5% - 68.9% 119.6% - 126.5% 24
Village Bank Loan 30.00% annual, Flat 1 Fee 0 Ins 25.7% - 66.6% 39.7% - 119.8% 35

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 27.60% annual, Flat 1 Fee 0 Ins Ins 0% - 54.6% 47.9% - 93.5% 40
Individual Loan 27.60% annual, Flat 1 Fee 0 Ins Ins N/A 0% - 52.5% 53.4% - 55.5% 51
Salary Loan 24.00% annual, Flat 1 Fee 1 Ins Ins N/A 43% - 46.5% 44.2% - 49.5% 52
School Fees Loan 24.00% annual, Flat 1 Fee 0 Ins Ins N/A 56.5% - 58.2% 60.3% - 62.1% 39
Solidarity Group Loan 30.00% annual, Flat 1 Fee 1 Ins Ins 66.5% - 68.9% 119.6% - 126.5% 24
Village Bank Loan 30.00% annual, Flat 1 Fee 0 Ins Ins 25.7% - 66.6% 39.7% - 119.8% 35
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