| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.advanspakistan.com |
| Year established | 2012 |
| Head of Institution | Tariq Khan Baluch |
| Regions active | Sindh |
| # Branches | 3 |
| Total Portfolio (nat'l) | PKR 142,708,138 |
| Total Portfolio (USD) | USD 1,401,393.92 |
| Active clients with loans | 1,872 |
| Approximate % female clients | 0% - 20% |
| Approximate % urban clients | 100% |
| Network affiliations | APMBL is a subsidiary of the Advans group |
| Funders | Advans SA, FMO |
| Institution Type | RurBank |
| Is this institution regulated? | Yes |
| Website address | http://[email protected] |
| Year established | 1982 |
| Head of Institution | C.K Ablerdu |
| Regions active | Ashanti Region |
| # Branches | 9 |
| Total Portfolio (nat'l) | GHS 12,511,356 |
| Total Portfolio (USD) | USD 6,350,942.13 |
| Active clients with loans | 4,013 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | ARB Apex, GHAMFIN |
| Funders | SPEED Ghana, MiDA, MASLOC |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Karobar Sanwaro | PKR 10,000 - 150,000 | 3 - 18 | 0% - 20% | 100% | Business | Women, Men, Have business, Specific age group, Age bracket is 18 to 60 | Credit Ins |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Commercial Loan | GHS 500 - 90,000 | 6 - 18 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business | Group Mtgs, Credit Ins, Other Training | |||||||
| Salary Loan | GHS 200 - 6,000 | 6 - 18 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Salaried worker | Credit Educ, Group Mtgs, Credit Ins, Other Training | |||||||
| Susu Loan | GHS 50 - 20,000 | 3 - 12 | 60% - 80% | 40% - 60% | Business, Housing, Consumer, Education, Other | Women, Men, Have business, Must have conttributed savings depsoit for at least 3 months. | Credit Educ, Group Mtgs, Credit Ins, Other Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Karobar Sanwaro | 41.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 42.5% - 44.2% | 44.3% - 46.8% | 89 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Commercial Loan | 28.00% annual, Flat | 1 Fee | 0 Ins | None | 30.00% upfront | 53% - 56.8% | 97.1% - 106.4% | 27 | ||||||||
| Salary Loan | 30.00% annual, Flat | 1 Fee | 0 Ins | None | N/A | 54.2% - 77.7% | 54.2% - 77.7% | 48 | ||||||||
| Susu Loan | 28.00% annual, Flat | 1 Fee | 0 Ins | None | 50.00% upfront | 51.9% - 56.3% | 179.5% - 210.9% | 14 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Karobar Sanwaro | 41.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 42.5% - 44.2% | 44.3% - 46.8% | 89 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Commercial Loan | 28.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 30.00% upfront | 53% - 56.8% | 97.1% - 106.4% | 27 | ||||||||
| Salary Loan | 30.00% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 54.2% - 77.7% | 54.2% - 77.7% | 48 | ||||||||
| Susu Loan | 28.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 50.00% upfront | 51.9% - 56.3% | 179.5% - 210.9% | 14 |
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