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 | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.aski.com.ph/ |
Year established | 1987 |
Head of Institution | Rolando B. Victoria |
Regions active | |
# Branches | 38 |
Total Portfolio (nat'l) | PhP 637,364,356 |
Total Portfolio (USD) | USD 15,247,951.10 |
Active clients with loans | 60,018 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 0% - 20% |
Network affiliations | Opportunity International, APPEND, Microfinance Council of the Philippines, Inc., RIMANSI |
Funders | PCFC, Oikocredit, NLDC, Symbiotics |
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 | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
AKP - Alalay sa Kabuhayan Program (Group Loans) | PHP 5,000 - 50,000 | 6 | 80% - 100% | 0% - 20% | Business | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Transformation Program, Environment Program | |||||||
Alalay sa Magsasaka Program (AMP) | PHP 5,000 - 150,000 | 4 - 6 | 20% - 40% | 0% - 20% | Business, Agriculture | Women, Men, Must be engaged in agri-business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Transformation Program, Environment Program | |||||||
Alalay sa Pabahay Program (APP) | PHP 10,000 - 300,000 | 6 - 24 | 80% - 100% | 0% - 20% | Housing | Women, Men, Have business, Salaried worker, Existing ASKI client or staff | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Transformation Program, Environment Program | |||||||
Individual Loan Program (ILP) | PHP 5,000 - 150,000 | 6 - 24 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Transformation Program, Environment Program |
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 | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
AKP - Alalay sa Kabuhayan Program (Group Loans) | 36.0% annual, Flat | 2 Fees | 2 Ins | None | 10.00% ongoing | 86.6% - 91.1% | 103.3% - 137% | 30 | ||||||||
Alalay sa Magsasaka Program (AMP) | 24.0%-36.0% annual, Flat | 2 Fees | 3 Ins | None | 10.00% ongoing | 32.7% - 34.5% | 32.7% - 69.3% | 64 | ||||||||
Alalay sa Pabahay Program (APP) | 21.0% annual, Decl Bal | 2 Fees | 0 Ins | None | 10.00% ongoing | 24.3% - 34.3% | 26.8% - 53.9% | 59 | ||||||||
Individual Loan Program (ILP) | 21.0%-36.0% annual, Flat | 2 Fees | 2 Ins | None | 10.00% ongoing | 67.4% - 91.1% | 71% - 157.5% | 22 |
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 | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
AKP - Alalay sa Kabuhayan Program (Group Loans) | 36.0% annual, Flat | 2 Fees | 2 Ins Ins | None | 10.00% ongoing | 86.6% - 91.1% | 103.3% - 137% | 30 | ||||||||
Alalay sa Magsasaka Program (AMP) | 24.0%-36.0% annual, Flat | 2 Fees | 3 Ins Ins | None | 10.00% ongoing | 32.7% - 34.5% | 32.7% - 69.3% | 64 | ||||||||
Alalay sa Pabahay Program (APP) | 21.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | 10.00% ongoing | 24.3% - 34.3% | 26.8% - 53.9% | 59 | ||||||||
Individual Loan Program (ILP) | 21.0%-36.0% annual, Flat | 2 Fees | 2 Ins Ins | None | 10.00% ongoing | 67.4% - 91.1% | 71% - 157.5% | 22 |
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