| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.kashf.org |
| Year established | 1996 |
| Head of Institution | Roshaneh Zafar |
| Regions active | Punjab, Sindh |
| # Branches | 167 |
| Total Portfolio (nat'l) | PKR 3,409,106,521 |
| Total Portfolio (USD) | USD 34,786,801.23 |
| Active clients with loans | 306,551 |
| Approximate % female clients | 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Pakistan Microfinance Network |
| Funders | Pakistan Poverty Alleviation Fund, Skool Foundation, MEDA, CIDA |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Kashf Karobar Karza | PKR 20,000 - 60,000 | 12 | 100% | 40% - 60% | Business, Agriculture | Women, Have business, Specific age group | Credit Educ, Business Training, Other Training, Financial Literacy | |||||||
| Kashf ibtad-e- Karobar Karza | PKR 20,000 - 30,000 | 12 | 100% | 0% | Business, Agriculture | Women, Have business, Specific age group | Credit Educ, Business Training, Other Training, Financial Literacy |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Kashf Karobar Karza | 20.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 35.5% - 37.7% | 38.2% - 41.3% | N/A | ||||||||
| Kashf ibtad-e- Karobar Karza | 22.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 38.3% - 39.2% | 41.4% - 43% | N/A |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| KBL | 468,300 | 120,082,000 | 16 | 108 |
| KF | 233,600 | 41,416,000 | 4 | 106 |
| NRSP | 399,900 | 70,157,000 | 3 | 108 |
| ASA | 230,400 | 29,637,000 | 3 | 108 |
| TMFB | 221,200 | 85,449,000 | 7 | 108 |
| FMFB | 163,544 | 38,481,323 | 9 | 126 |
| TRDP | 100,000 | 13,817,000 | 3 | 108 |
| PRSP | 75,656 | 9,907,176 | 3 | 126 |
| BRAC^P | 57,300 | 11,869,000 | 3 | 108 |
| SRSO | 51,100 | 7,775,000 | 3 | 108 |
| SSF | 46,000 | 4,776,000 | 3 | 108 |
| FINCA | 82,000 | 43,559,000 | 9 | 108 |
| JWS | 36,000 | 6,545,000 | 2 | 108 |
| RCDS | 35,552 | 4,856,122 | 4 | 126 |
| DAMEN | 35,185 | 7,150,864 | 1 | 126 |
| FFO | 22,400 | 3,335,000 | 3 | 108 |
| OLP | 21,400 | 3,510,000 | 3 | 108 |
| CSC | 17,600 | 3,147,000 | 1 | 108 |
| AMRDO | 13,800 | 1,206,000 | 5 | 108 |
| WMBL | 13,800 | 6,105,000 | 3 | 108 |
| Mojaz | 13,400 | 2,415,000 | 2 | 108 |
| SDF | 11,500 | 1,041,000 | 4 | 108 |
| POMFB | 8,500 | 2,795,000 | 4 | 108 |
| OPD | 7,500 | 918,000 | 2 | 108 |
| AGAHE | 7,300 | 797,000 | 2 | 108 |
| NRDP | 6,184 | 1,521,972 | 3 | 126 |
| GBTI | 6,100 | 669,000 | 3 | 126 |
| WASIL | 4,300 | 1,135,000 | 2 | 108 |
| Micro Options | 4,000 | 768,000 | 5 | 108 |
| VDO | 3,900 | 489,000 | 3 | 126 |
| SVDP | 3,900 | 811,000 | 13 | 126 |
| SRDO | 3,500 | 766,000 | 4 | 108 |
| OSDI | 2,000 | 923,000 | 3 | 108 |
| APMBL | 1,800 | 1,401,000 | 3 | 108 |
| BEDF | 1,400 | 209,000 | 3 | 126 |
| KCDO | 800 | 94,000 | 1 | 126 |
| Key Statistics | |
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