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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: 72 months

Institution

Y-Save Cooperative Savings and Credit Society Ltd. Block 661 Flat EBuganda Road FlatsKampala, CentralPO Box 37191
Data approved: 2012-11-06
Data version: 2
Age of data: 84 months

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 TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.y-save.org/
Year established2004
Head of InstitutionDanstan Kisuule
Regions activeCentral
# Branches1

Total Portfolio (nat'l)UGX 4,216,212,589
Total Portfolio (USD)USD 1,686,485.04
Active clients with loans208
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsUCSCU, AMFIU, PSF (Private Sector Foundation)
Funders

Loan Products » Summary

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

Loan Products » Summary

208 Borrowers
USD 1,686,485 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
Developmental Loan UGX 200,000 - 30,000,000 1 - 60 40% - 60% 80% - 100% Business, Housing, Education Women, Men, Have business Credit Educ, Tech Asst Visits, Business Training, Other Training, Financial management training

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
Developmental Loan 18.00% annual, Decl Bal 1 Fee 1 Ins None N/A 18.6% - 69% 19.8% - 74.5% 56

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
Developmental Loan 18.00% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 18.6% - 69% 19.8% - 74.5% 56
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