| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 2000 |
| Head of Institution | Sandra Mireya Naula Cuenca |
| Regions active | |
| # Branches | 1 |
| Total Portfolio (nat'l) | USD 4,200,342 |
| Total Portfolio (USD) | USD 4,200,342 |
| Active clients with loans | 2,511 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | RFR, Contrato Social por la Vivienda |
| Funders |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.nrdp.org |
| Year established | 1992 |
| Head of Institution | Mirza Moqeem Baig |
| Regions active | Punjab |
| # Branches | 5 |
| Total Portfolio (nat'l) | PKR 70,423,958 |
| Total Portfolio (USD) | USD 718,611.82 |
| Active clients with loans | 4,799 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | |
| Funders | Pakistan Poverty Alleviation Fund (PPAF), ORIX Leasing Pakistan Ltd. |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito de consumo | USD 100 - 5,000 | 3 - 36 | 60% - 80% | 80% - 100% | Any Purpose | Women, Men, Si el deudor no es propietario de una casa, el garante sà requiere tener una casa., Pueden acceder personas desde los 18 años de edad en adelante. | Credit Educ, Credit Ins, AsesorÃa administración del dinero | |||||||
| Crédito Grupal Solidario | USD 500 - 1,500 | 6 - 15 | 60% - 80% | 80% - 100% | Business | Women, Men, Los grupos se conforman con personas de la misma zona de residencia, Se utiliza la garantÃa grupal | Credit Educ, Group Mtgs, Credit Ins, Business Training, Capacitación en proyectos de vida y espÃritu emprendedor | |||||||
| Crédito Individual para Micro | USD 100 - 5,000 | 3 - 24 | 60% - 80% | 80% - 100% | Business, Housing, Other, Como capiltal para iniciar un negocio, Incremento de mercaderÃa | Women, Men, Si el deudor no es propietario de una casa, el garante sà requiere tener una casa., Pueden acceder personas desde los 15 años de edad en adelante | Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Capacitación en formulación de planes de negocio, Capacitación en proyectos de vida y espÃritu emprendedor |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loan | PKR 10,000 - 75,000 | 12 | 40% - 60% | 20% - 40% | Business | Women, Men, Have business, Specific age group, Productive Loans for legal business (Small) | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training | |||||||
| Seasonal Loan | PKR 10,000 - 30,000 | 6 | 40% - 60% | 0% | Agriculture | Women, Men, Specific age group | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito de consumo | 14.0%-16.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 5.00 ongoing | 16.2% - 16.4% | 17.3% - 19.8% | 75 | ||||||||
| Crédito Grupal Solidario | 14.0%-18.5% annual, Decl Bal | 1 Fee | 0 Ins | None | 5.00 ongoing | 18.8% | 20.8% - 21.2% | 66 | ||||||||
| Crédito Individual para Micro | 14.0%-18.5% annual, Decl Bal | 1 Fee | 0 Ins | None | 5.00 ongoing | 18.7% - 18.8% | 20.2% - 24.3% | 65 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loan | 20.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 38.5% - 38.7% | 38.5% - 38.7% | N/A | ||||||||
| Seasonal Loan | 30.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 32.3% | 32.3% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito de consumo | 14.0%-16.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 5.00 ongoing | 16.2% - 16.4% | 17.3% - 19.8% | 75 | ||||||||
| Crédito Grupal Solidario | 14.0%-18.5% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 5.00 ongoing | 18.8% | 20.8% - 21.2% | 66 | ||||||||
| Crédito Individual para Micro | 14.0%-18.5% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 5.00 ongoing | 18.7% - 18.8% | 20.2% - 24.3% | 65 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loan | 20.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 38.5% - 38.7% | 38.5% - 38.7% | N/A | ||||||||
| Seasonal Loan | 30.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 32.3% | 32.3% | N/A |
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