| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 2003 |
| Head of Institution | Irfan Khokhar |
| Regions active | Punjab |
| # Branches | 17 |
| Total Portfolio (nat'l) | PKR 339,632,527 |
| Total Portfolio (USD) | USD 3,335,191.42 |
| Active clients with loans | 22,430 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Pakistan Microfinance Network, Punjab Microfinance Network, Human Resource Development Network |
| Funders | Pakistan Poverty Alleviation Fund, ORIX Leasing Pakistan Limited, United States Agency for International Development (USAID) |
| Institution Type | RurBank |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 1990 |
| Head of Institution | Mike D Tizaayel |
| Regions active | |
| # Branches | 6 |
| Total Portfolio (nat'l) | GHS 3,838,180 |
| Total Portfolio (USD) | USD 1,948,314.72 |
| Active clients with loans | 9,508 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | GHAMFIN, ARB |
| Funders | Trias Ghana, Speed Ghana, Action Aid |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Principle Loan | PKR 15,000 - 75,000 | 12 - 18 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business, Specific age group | Group Mtgs, Credit Ins | |||||||
| Principle Loan Village Banking | PKR 15,000 - 75,000 | 12 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business, Specific age group | Group Mtgs, Credit Ins |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Loan | GHS 200 - 2,000 | 4 - 8 | 0% - 20% | 0% - 20% | Agriculture | Women, Men | Credit Educ, Group Mtgs, Business Training | |||||||
| Bonzali Microfinance Loan | GHS 200 - 3,000 | 4 - 12 | 60% - 80% | 0% - 20% | Any Purpose | Women, Men | Credit Educ, Group Mtgs, Business Training | |||||||
| Commercial Loan | GHS 500 - 3,000 | 6 - 12 | 80% - 100% | 40% - 60% | Business | Women, Men, Have business | Business Training | |||||||
| Personal and Salary Loan | GHS 100 - 2,000 | 6 - 12 | 40% - 60% | 60% - 80% | Any Purpose | Women, Men, Have business |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Principle Loan | 16.0%-20.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 44.4% - 44.6% | 44.4% - 44.6% | 36 | ||||||||
| Principle Loan Village Banking | 20.0% annual, Flat | 1 Fee | 0 Ins | None | 5.0% upfront | 44.6% | 48.9% | 41 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Loan | 30.00% annual, Flat | 1 Fee | 0 Ins | None | 10.00% upfront | 88.2% | 102.4% | 29 | ||||||||
| Bonzali Microfinance Loan | 30.00% annual, Flat | 1 Fee | 0 Ins | None | 10.00% upfront | 80.1% - 81.3% | 96.5% - 100.8% | 30 | ||||||||
| Commercial Loan | 30.00% annual, Flat | 1 Fee | 0 Ins | None | 10.00 upfront | 68.4% - 206.6% | 69.7% - 212.3% | 25 | ||||||||
| Personal and Salary Loan | 30.00% annual, Flat | 1 Fee | 0 Ins | None | N/A | 58.6% - 62.1% | 58.6% - 62.1% | 50 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Principle Loan | 16.0%-20.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 44.4% - 44.6% | 44.4% - 44.6% | 36 | ||||||||
| Principle Loan Village Banking | 20.0% annual, Flat | 1 Fee | 0 Ins Ins | None | 5.0% upfront | 44.6% | 48.9% | 41 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Loan | 30.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 10.00% upfront | 88.2% | 102.4% | 29 | ||||||||
| Bonzali Microfinance Loan | 30.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 10.00% upfront | 80.1% - 81.3% | 96.5% - 100.8% | 30 | ||||||||
| Commercial Loan | 30.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 10.00 upfront | 68.4% - 206.6% | 69.7% - 212.3% | 25 | ||||||||
| Personal and Salary Loan | 30.00% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 58.6% - 62.1% | 58.6% - 62.1% | 50 |
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