2. FINCA
Please note that the information you are viewing is 107 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. INSOTEC
Please note that the information you are viewing is 163 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

FINCA Microfinance Bank Ltd 387-E, Johar TownLahore, Punjab
Data approved: 2015-04-17
Data version: 2
Age of data: 107 months
Choose version

Institution

INSOTEC Juan León Mera N24-12 y WilsonQuito, Pichincha
Data approved: 2010-11-08
Data version: 1
Age of data: 163 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.finca.org.pk
Year established2008
Head of InstitutionMuhammad Mudassar Aqil
Regions activeKhyber Pakhtunkwa, Punjab, Sindh
# Branches100

Total Portfolio (nat'l)PKR 4,435,751,302
Total Portfolio (USD)USD 43,559,077.79
Active clients with loans82,051
Approximate % female clients0% - 20%
Approximate % urban clients60% - 80%
Network affiliationsPakistan Microfinance Network
FundersFINCA Microfinance Cooperatief U.A., Kashf Holdings (Pvt.) Limited, International Finance Corporation (IFC), Triodos Fair Share Fund (TFSF)

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.insotec-ec.com/
Year established1980
Head of InstitutionJosé Lanusse
Regions active
# Branches4

Total Portfolio (nat'l)USD 6,252,818
Total Portfolio (USD)USD 6,252,818
Active clients with loans7,244
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsRed Financiera Rural
FundersSISTEMA NACIONAL MICROFINANZAS, SYMBIOTICS, TRIODOS, ETIMOS

Loan Products » Summary

KKK
54,626 Borrowers
USD 23,561,566.56 Portfolio
Active Product
SK
3,162 Borrowers
USD 827,172.25 Portfolio
Active Product
RB
11,506 Borrowers
USD 9,262,522.35 Portfolio
Active Product
ZK
7,171 Borrowers
USD 5,298,027 Portfolio
Active Product
KKK
4,654 Borrowers
USD 3,072,572.92 Portfolio
Active Product
MMK
300 Borrowers
USD 110,169.12 Portfolio
Low Volume Product
BKC
574 Borrowers
USD 1,258,651.08 Portfolio
Low Volume Product
BKG
2 Borrowers
USD 7,359.92 Portfolio
Low Volume Product
BK(RF)
56 Borrowers
USD 161,036.58 Portfolio
Low Volume Product
KKKK
Retired Product
KSK
Retired Product
KZK
Retired Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

CrediAgro
3,966 Borrowers
USD 3,443,769.36 Portfolio
Active Product
CrediSimple
2,808 Borrowers
USD 2,504,087.79 Portfolio
Active Product
Emergente
58 Borrowers
USD 26,695.01 Portfolio
Active Product
SINCO
172 Borrowers
USD 73,328.71 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Kamyab Karobari Karza PKR 25,000 - 150,000 3 - 18 0% - 20% 80% - 100% Business Women, Men, Have business Credit Ins
Sunehri Karza PKR 25,000 - 150,000 3 - 24 0% - 20% 60% - 80% Business Women, Men, Have business Credit Ins
Raqam Barwaqt PKR 50,000 - 150,000 12 0% - 20% 80% - 100% Business Women, Men, Have business Credit Ins
Zarai Karza PKR 25,000 - 150,000 3 - 12 0% - 20% 0% Agriculture Women, Men, Have business Credit Ins
Kamyab Kashtkar Karza PKR 25,000 - 150,000 3 - 12 0% 0% Agriculture Women, Men, Have business Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
CrediAgro USD 300 - 10,000 4 - 30 40% - 60% 0% - 20% Business, Mejora Local Women, Men, Have business Credit Ins
CrediSimple USD 300 - 10,000 4 - 30 40% - 60% 60% - 80% Business, Solo para capital de Trabajo, Activo Fijo,Mejora Local Women, Men, Have business Credit Ins
Emergente USD 250 - 1,800 3 - 5 20% - 40% 0% - 20% Business, Other, Usar solo para capital de trabajo Women, Men, Have business, Have home or land Credit Ins
SINCO USD 300 - 1,000 3 - 8 40% - 60% 20% - 40% Business, Usar solo para capital de trabajo Women, Men, Have business, Have home or land, Propietario de Terreno Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Kamyab Karobari Karza 25.0%-30.0% annual, Flat 1 Fee 1 Ins 16.00% fees N/A 42.7% - 55.2% 44.7% - 59.1% 45
Sunehri Karza 24.0%-26.0% annual, Decl Bal 1 Fee 1 Ins 16.00% fees N/A 25.3% - 35.8% 27.3% - 40.9% 72
Raqam Barwaqt 27.0%-28.0% annual, Flat 1 Fee 1 Ins 16.00% fees N/A 30.4% - 32.2% 31.7% - 33.8% 81
Zarai Karza 27.0% annual, Flat 1 Fee 1 Ins 16.00% fees N/A 25.8% - 39.9% 27.2% - 44.7% 86
Kamyab Kashtkar Karza 29.0%-30.0% annual, Flat 1 Fee 1 Ins 16.00% fees N/A 30.6% - 35.5% 31.8% - 38.7% 83

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
CrediAgro 22.3%-26.9% annual, Decl Bal 1 Fee 0 Ins None N/A 24.8% - 27.3% 28% - 30.5% 75
CrediSimple 24.5%-29.9% annual, Decl Bal 0 Fees 1 Ins None N/A 24.8% - 27.3% 28.1% - 30.4% 83
Emergente 24.5%-26.9% annual, Decl Bal 1 Fee 0 Ins None N/A 27.2% - 27.3% 30% - 30.3% 81
SINCO 24.5%-26.9% annual, Decl Bal 1 Fee 0 Ins None N/A 27.2% - 27.3% 30.3% - 30.4% 80

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Kamyab Karobari Karza 25.0%-30.0% annual, Flat 1 Fee 1 Ins Ins 16.00% fees N/A 42.7% - 55.2% 44.7% - 59.1% 45
Sunehri Karza 24.0%-26.0% annual, Decl Bal 1 Fee 1 Ins Ins 16.00% fees N/A 25.3% - 35.8% 27.3% - 40.9% 72
Raqam Barwaqt 27.0%-28.0% annual, Flat 1 Fee 1 Ins Ins 16.00% fees N/A 30.4% - 32.2% 31.7% - 33.8% 81
Zarai Karza 27.0% annual, Flat 1 Fee 1 Ins Ins 16.00% fees N/A 25.8% - 39.9% 27.2% - 44.7% 86
Kamyab Kashtkar Karza 29.0%-30.0% annual, Flat 1 Fee 1 Ins Ins 16.00% fees N/A 30.6% - 35.5% 31.8% - 38.7% 83

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
CrediAgro 22.3%-26.9% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 24.8% - 27.3% 28% - 30.5% 75
CrediSimple 24.5%-29.9% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 24.8% - 27.3% 28.1% - 30.4% 83
Emergente 24.5%-26.9% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 27.2% - 27.3% 30% - 30.3% 81
SINCO 24.5%-26.9% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 27.2% - 27.3% 30.3% - 30.4% 80
Institution Price Graph
Click to view Price Analysis Tool
Institution Price Graph
Click to view Price Analysis Tool
Caps / Zoom options
Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞