Institution Type | Bank |
Is this institution regulated? | Yes |
Website address | http://www.finca.org.pk |
Year established | 2008 |
Head of Institution | Muhammad Mudassar Aqil |
Regions active | Khyber Pakhtunkwa, Punjab, Sindh |
# Branches | 100 |
Total Portfolio (nat'l) | PKR 4,435,751,302 |
Total Portfolio (USD) | USD 43,559,077.79 |
Active clients with loans | 82,051 |
Approximate % female clients | 0% - 20% |
Approximate % urban clients | 60% - 80% |
Network affiliations | Pakistan Microfinance Network |
Funders | FINCA Microfinance Cooperatief U.A., Kashf Holdings (Pvt.) Limited, International Finance Corporation (IFC), Triodos Fair Share Fund (TFSF) |
Institution Type | Sect25 |
Is this institution regulated? | Yes |
Website address | http://www.gfspl.in/ |
Year established | 1999 |
Head of Institution | Suresh K. Krishna |
Regions active | 0 |
# Branches | 174 |
Total Portfolio (nat'l) | INR 1,966,900,000 |
Total Portfolio (USD) | USD 37,111,320.75 |
Active clients with loans | 274,850 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 20% - 40% |
Network affiliations | Sa-dhan, akmi, MFIN |
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 |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Emergency Loan | INR 1,000 - 1,000 | 2.5 | 80% - 100% | 20% - 40% | Any Purpose | Women | Credit Educ, Group Mtgs, Business Training | |||||||
Water Connection Loan | INR 5,000 - 5,000 | 24 | 80% - 100% | 0% - 20% | Housing, For taking water connection | Women, Have home or land | Credit Educ, Group Mtgs, Credit Ins, Business Training | |||||||
IGL-Pragati | INR 5,000 - 15,000 | 12 | 80% - 100% | 0% - 20% | Business | Women | ||||||||
IGL-Pragati Plus | INR 16,000 - 25,000 | 24 | 80% - 100% | 0% - 20% | Business | Women | ||||||||
Individual Loan | INR 10,000 - 50,000 | 3 - 9 | 20% - 40% | 80% - 100% | Business | Women, Men, Have business | Credit Educ | |||||||
Sanitation Loan | INR 7,000 - 10,000 | 24 | 0% | 0% | Housing, For construction of toilets | Women, Have home or land | Group Mtgs, Business Training | |||||||
Siksha Loan | INR 10,000 - 15,000 | 3 - 6 | 0% | 0% | Education | Women, Men | Credit Educ, Group Mtgs |
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 |
Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Emergency Loan | 0% | 29.1% | 30.1% | N/A | ||||||||||
Water Connection Loan | 0% | 0% | 0% | N/A | ||||||||||
IGL-Pragati | 0% | 0% | 0% | N/A | ||||||||||
IGL-Pragati Plus | 0% | 0% | 0% | N/A | ||||||||||
Individual Loan | 0% | 41.3% - 41.4% | 42.7% - 44.1% | N/A | ||||||||||
Sanitation Loan | 0% | 0% | 0% | N/A | ||||||||||
Siksha Loan | 0% | 0% | 0% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Emergency Loan | 18.8% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 29.1% | 30.1% | 63 | ||||||||
Water Connection Loan | 21.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
IGL-Pragati | 26.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
IGL-Pragati Plus | 26.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Individual Loan | 36.0% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 41.3% - 41.4% | 42.7% - 44.1% | 83 | ||||||||
Sanitation Loan | 21.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Siksha Loan | 28.3% annual, Decl Bal | 0 Fees | 0 Ins | None | None | 0% | 0% | N/A |
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 |
Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Emergency Loan | 0% | 29.1% | 30.1% | N/A | ||||||||||
Water Connection Loan | 0% | 0% | 0% | N/A | ||||||||||
IGL-Pragati | 0% | 0% | 0% | N/A | ||||||||||
IGL-Pragati Plus | 0% | 0% | 0% | N/A | ||||||||||
Individual Loan | 0% | 41.3% - 41.4% | 42.7% - 44.1% | N/A | ||||||||||
Sanitation Loan | 0% | 0% | 0% | N/A | ||||||||||
Siksha Loan | 0% | 0% | 0% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Emergency Loan | 18.8% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 29.1% | 30.1% | 63 | ||||||||
Water Connection Loan | 21.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
IGL-Pragati | 26.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
IGL-Pragati Plus | 26.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
Individual Loan | 36.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 41.3% - 41.4% | 42.7% - 44.1% | 83 | ||||||||
Sanitation Loan | 21.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
Siksha Loan | 28.3% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | None | 0% | 0% | N/A |
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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
---|---|---|---|---|---|---|---|
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 | ||||||
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
From 0 to | ||||||
to | ||||||
to | ||||||
to ∞ |