2. KBL
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  2. Ahantaman RB
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Institution

Khushhali Bank Limited 4th Floor, 94 west, Jinnah AvenueIslamabad, Federal44000
Data approved: 2013-08-13
Data version: 1
Age of data: -   months 
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Institution

Ahantaman Rural Bank Limited Head OfficeAgona Nkwanta, Western RegionP.O. Box 41
Data approved: 2013-02-11
Data version: 2
Age of data: 133 months
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Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.khushhalibank.com.pk
Year established2000
Head of InstitutionMuhammad Ghalib Nishtar
Regions activeAzad Kashmir, Balochistan, Federal Administered Tribal Areas, Gilgit-Baltistan, Punjab
# Branches110

Total Portfolio (nat'l)PKR 8,091,647,927
Total Portfolio (USD)USD 82,567,835.99
Active clients with loans392,144
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliationsPakistan Microfinance Network
Funders

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addresshttp://www.ahantamanruralbank.com/
Year established1984
Head of InstitutionJohn Dadzie
Regions activeWestern Region
# Branches12

Total Portfolio (nat'l)GHS 19,495,388.08
Total Portfolio (USD)USD 9,896,136.08
Active clients with loans23,850
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliationsGHAMFIN, ARB APEX, BOG
FundersSPEED Ghana

Loan Products » Summary

KK-B
291,884 Borrowers
USD 55,120,879.93 Portfolio
Active Product
KK-E
73,275 Borrowers
USD 7,309,489.43 Portfolio
Active Product
KCS-GB
26,667 Borrowers
USD 19,845,597.01 Portfolio
Active Product
KCS-GE
76 Borrowers
USD 26,341.96 Portfolio
Active Product
KCS-LB
162 Borrowers
USD 191,638.78 Portfolio
Active Product
KCS-PB
77 Borrowers
USD 72,072.84 Portfolio
Active Product

Loan Products » Summary

Group
8,013 Borrowers
USD 1,056,011.82 Portfolio
Active Product
Salary
11,440 Borrowers
USD 5,532,702.45 Portfolio
Active Product
Sundry SME
1,867 Borrowers
USD 2,702,166.01 Portfolio
Active Product
Susu Loan
2,530 Borrowers
USD 605,255.99 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Khushhali Karza - Bullet (Group Based Lending) PKR 10,000 - 50,000 3 - 12 20% - 40% 0% - 20% Business Women, Men, Have business Group Mtgs, Credit Ins
Khushhali Karza - EMI (Group Based Lending) PKR 10,000 - 50,000 3 - 12 20% - 40% 20% - 40% Business, Agriculture, Livestock Women, Men, Have business Group Mtgs, Credit Ins
Khushhali Cash Sahulat Gold-Bullet PKR 25,000 - 150,000 3 - 12 0% - 20% 20% - 40% Business Women, Men, Have business Credit Ins
Khushhali Cash Sahulat Gold-EMI PKR 25,000 - 150,000 3 - 12 0% - 20% 20% - 40% Business Women, Men, Have business Credit Ins
Khushhali Cash Sahulat Land-Bullet PKR 25,000 - 150,000 3 - 12 0% 0% Business Women, Men, Have business Credit Ins
Khushhali Cash Sahulat Paper Security-Bullet PKR 25,000 - 150,000 3 - 12 0% - 20% 0% - 20% Business Women, Men, Have business Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Group Loan GHS 500 - 3,000 4 - 6 80% - 100% 20% - 40% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Salary Loan GHS 200 - 12,000 12 - 36 40% - 60% 80% - 100% Any Purpose Women, Men, Salaried worker Credit Ins, Tech Asst Visits
Sundry (SME) Loan GHS 5,000 - 25,000 3 - 12 60% - 80% 20% - 40% Business Women, Men, Have business Credit Ins, Business Training
Susu Loan GHS 500 - 5,000 12 60% - 80% 0% - 20% Business Women, Men, Have business Credit Ins, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Khushhali Karza - Bullet (Group Based Lending) 31.0% annual, Decl Bal 1 Fee 0 Ins None N/A 29.3% - 35.1% 29.3% - 35.1% N/A
Khushhali Karza - EMI (Group Based Lending) 31.0% annual, Decl Bal 1 Fee 0 Ins None N/A 35.5% - 41.9% 35.5% - 41.9% N/A
Khushhali Cash Sahulat Gold-Bullet 28.0% annual, Decl Bal 2 Fees 0 Ins None N/A 27.1% - 29.2% 27.1% - 29.2% N/A
Khushhali Cash Sahulat Gold-EMI 28.0% annual, Decl Bal 2 Fees 0 Ins None N/A 30% - 34.5% 30% - 34.5% N/A
Khushhali Cash Sahulat Land-Bullet 20.0%-25.0% annual, Decl Bal 1 Fee 0 Ins None N/A 20.2% - 24.7% 20.2% - 24.7% N/A
Khushhali Cash Sahulat Paper Security-Bullet 15.0% annual, Decl Bal 1 Fee 0 Ins None N/A 15.2% - 16.6% 15.2% - 16.6% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loan 48.00% annual, Flat 1 Fee 1 Ins None 10.00% upfront 86.3% - 86.7% 107.7% - 108% 44
Salary Loan 25.50%-38.00% annual, Decl Bal 1 Fee 1 Ins None N/A 47.1% - 62% 48.8% - 65.3% 45
Sundry (SME) Loan 35.00%-37.00% annual, Decl Bal 1 Fee 1 Ins None N/A 66.3% - 66.4% 69.6% - 69.7% 50
Susu Loan 35.00%-37.00% annual, Decl Bal 1 Fee 1 Ins None N/A 66% - 66.6% 69.2% - 69.9% 50

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Khushhali Karza - Bullet (Group Based Lending) 31.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 29.3% - 35.1% 29.3% - 35.1% N/A
Khushhali Karza - EMI (Group Based Lending) 31.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 35.5% - 41.9% 35.5% - 41.9% N/A
Khushhali Cash Sahulat Gold-Bullet 28.0% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 27.1% - 29.2% 27.1% - 29.2% N/A
Khushhali Cash Sahulat Gold-EMI 28.0% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 30% - 34.5% 30% - 34.5% N/A
Khushhali Cash Sahulat Land-Bullet 20.0%-25.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 20.2% - 24.7% 20.2% - 24.7% N/A
Khushhali Cash Sahulat Paper Security-Bullet 15.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 15.2% - 16.6% 15.2% - 16.6% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loan 48.00% annual, Flat 1 Fee 1 Ins Ins None 10.00% upfront 86.3% - 86.7% 107.7% - 108% 44
Salary Loan 25.50%-38.00% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 47.1% - 62% 48.8% - 65.3% 45
Sundry (SME) Loan 35.00%-37.00% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 66.3% - 66.4% 69.6% - 69.7% 50
Susu Loan 35.00%-37.00% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 66% - 66.6% 69.2% - 69.9% 50
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