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Institution
Data approved: 2015-04-17
Data version: 1
Age of data: 115 months
Key Statistics
Outstanding portfolio (PKR) | PKR 75,964,895.75 |
Portfolio (USD) | USD 745,975.28 |
Active Clients with Loans | 1,716 |
Approximate % Female Clients | 0% - 20% |
Approximate % Urban Clients | 0 |
Methodology
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other | |
Description
Loan provided for purchase of agricultural input; given in November and repaid in May of every year and given in May and repaid in November of every year
Loan Purpose
Any purpose | |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | x |
Education | |
Other household finance | |
Other | |
Other (2) | |
Included Services
Credit education | |
Group meetings | x |
Credit insurance | |
Workplace visits | x |
Business training | |
Other training | x |
Other | |
Other (2) | |
No other services | |
Eligibility
Men | x |
Women | |
Must run a business | |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | Any party in possession of land that can be used for agricultural purposes, sharecroppers and owners alike - usually male |
Other (2) | Clients include both males and females |
Portfolio Size by Product
Geographic Coverage
# Regions for this institution | 2 |
# Regions for this product | 2 |
Regions Active | Khyber Pakhtunkwa, Sindh |
Loan Conditions
Loan Amount
Currency | PKR |
Minimum loan size | PKR 8,000 |
Maximum loan size | 100,000 |
Distribution at Disbursement (Est.)
Loans less than PKR 10,000 | 5% |
PKR 10,000-25,000 | 15% |
PKR 25,000-50,000 | 40% |
PKR 50,000-75,000 | 30% |
PKR 75,000-150,000 | 10% |
Greater than PKR 150,000 | 10% |
Loan Term and Grace Period
Shortest loan term | 6.0 months |
Longest loan term | 6.0 months |
Approx average | 6.0 months |
Distribution at Disbursement (Est.)
Loans 3 months or less | 0 |
Between 4 and 6 months | 100% |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 0 |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace Period
Grace period usage | 90% |
Average grace period | 6.0 months |
Repayment Frequency
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | x |
Irregular payments | |
Pricing Information
Interest
Lowest quoted nominal interest | 0 |
Highest quoted nominal interest | 0 |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Upfront Fees
This product has no upfront feesOngoing Fees
| Fee 1 |
---|
Description | Community Development Fund |
% of loan amount - min | 10.00% |
% of loan amount - max | 10.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | Yes |
Upfront Insurance Fees
This product has no upfront insurance feesOngoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
Deposit BEFORE or AT Disbursement
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Deposits DURING period payments
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Interest Paid on Deposit
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Taxes
Are taxes charged on this product? | No |
Additional Comments
There is no interest charged for this loan.
Full Pricing Data
Agriculture Development Loan samples
Loan Amount |
Type of Sample |
Disbursement Date |
Loan Term (Months) |
Grace Period (Months) |
Total Cost of Credit |
Full APR (int fee ins tax dep) |
True Price by Component |
Transparency Index |
Original Repayment Schedule |
MFT Pricing Calculation |
Interest price component |
Fee Component |
Insurance Component |
Tax Component |
Deposit Component |
PKR 76,253.63 |
Real |
2015-01-15 |
6.0 months |
N/A |
PKR 7,625.36 |
19.2% |
0.0% |
19.2% |
0.0% |
0.0% |
0.0% |
N/A |
PDF |
PDF |
PKR 76,253 |
Generated |
2015-05-01 |
5.9 months |
N/A |
PKR 7,625.30 |
19.3% |
0.0% |
19.3% |
0.0% |
0.0% |
0.0% |
N/A |
- |
PDF |
PKR 77,638.63 |
Real |
2015-01-15 |
6.0 months |
N/A |
PKR 7,763.86 |
19.2% |
0.0% |
19.2% |
0.0% |
0.0% |
0.0% |
N/A |
PDF |
PDF |
PKR 77,638 |
Generated |
2015-05-01 |
5.9 months |
N/A |
PKR 7,763.80 |
19.3% |
0.0% |
19.3% |
0.0% |
0.0% |
0.0% |
N/A |
- |
PDF |
PKR 20,000 |
Generated |
2015-05-01 |
5.9 months |
N/A |
PKR 2,000 |
19.3% |
0.0% |
19.3% |
0.0% |
0.0% |
0.0% |
N/A |
- |
PDF |
PKR 30,000 |
Generated |
2015-05-01 |
5.9 months |
N/A |
PKR 3,000 |
19.3% |
0.0% |
19.3% |
0.0% |
0.0% |
0.0% |
N/A |
- |
PDF |
PKR 40,000 |
Generated |
2015-05-01 |
5.9 months |
N/A |
PKR 4,000 |
19.3% |
0.0% |
19.3% |
0.0% |
0.0% |
0.0% |
N/A |
- |
PDF |
PKR 45,000 |
Generated |
2015-05-01 |
5.9 months |
N/A |
PKR 4,500 |
19.3% |
0.0% |
19.3% |
0.0% |
0.0% |
0.0% |
N/A |
- |
PDF |
PKR 50,000 |
Generated |
2015-05-01 |
5.9 months |
N/A |
PKR 5,000 |
19.3% |
0.0% |
19.3% |
0.0% |
0.0% |
0.0% |
N/A |
- |
PDF |
PKR 70,000 |
Generated |
2015-05-01 |
5.9 months |
N/A |
PKR 7,000 |
19.3% |
0.0% |
19.3% |
0.0% |
0.0% |
0.0% |
N/A |
- |
PDF |
Agriculture Development Loan Price Graphs