Orix Leasing Pakistan Ltd - Microcredit Productive Loans - MFTransparency.org Truth In Lending Tables

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Institution

Orix Leasing Pakistan Ltd Plot # 16, Sector 24, Korangi Industrial AreaKarachi

Data approved: 2013-05-24

Data version: 1

Age of data: - months

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Product

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Product Details

Key Statistics

Outstanding portfolio (PKR)	PKR 183,651,773
Portfolio (USD)	USD 1,873,997.68
Active Clients with Loans	13,708
Approximate % Female Clients	100%
Approximate % Urban Clients	20% - 40%

Methodology

Individual
Solidarity group	x
Village banking
Self help group
Other

Description

Microcredit loans are offered to Female clients to increase the income generating potentials of home based clients.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services	x

Eligibility

Men
Women	x
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	2
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	PKR
Minimum loan size	PKR 18,000
Maximum loan size	40,000

Distribution at Disbursement (Est.)

Loans less than PKR 10,000	0
PKR 10,000-25,000	60%
PKR 25,000-50,000	40%
PKR 50,000-75,000	0
PKR 75,000-150,000	0
Greater than PKR 150,000	0

Loan Term and Grace Period

Shortest loan term	12.0 months
Longest loan term	12.0 months
Approx average	12.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	0
Between 7 and 9 months	0
Between 10 and 12 months	100%
Between 13 and 18 months	0
Longer than 18 months	0

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks	x
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	20.00%
Highest quoted nominal interest	20.00%
Interest rate period	Yearly
Interest Rate Calculation Method	Flat
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Loan processing Fee
% of loan amount - min	1.00%
% of loan amount - max	1.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	Yes

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Credit Life Insurance
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	150
Fixed amount - max	250
Reason for variation	N/A
Appears on Repayment Sched?	Yes

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Never
Criteria	N/A
Is deposit indicated on the repayment schedule?	N/A
Do borrowers control deposit in their group?	N/A

Deposit BEFORE or AT Disbursement

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Microcredit Productive Loans samples

	Sample 1	Sample 2	Sample 3
Loan Amount	PKR 20,000	PKR 25,000	PKR 35,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known
Disbursement Date	2013-05-22	2013-03-29	2012-08-31
Loan Term (Months)	12.0 months	11.0 months	11.0 months
Grace Period (Months)	0.0 months	-0.1 months	-0.1 months
Total Cost of Credit	PKR 4,350	PKR 5,430	PKR 7,580
True Price by Comp
Interest price component	34.8%	37.6%	37.6%
Fee Component	2.0%	2.1%	2.1%
Insurance Component	1.5%	1.6%	1.4%
Tax Component	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	38.3%	41.3%	41.1%
Transparency Index	N/A	N/A	N/A

Original Repayment Schedule	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF

Microcredit Productive Loans Price Graphs

Click to view Price Analysis Tool

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
Adhikar	35,300	2,674,000	1	134
AMPL	0	0	0	134
Arman	41,500	529,107,000	1	134
Arohan	43,500	8,091,000	2	134
ASA INDIA	164,000	15,380,000	1	134
Asirvad	113,500	19,328,000	1	134
Asmitha	1,114,800	217,867,000	1	134
Bandhan	4,048,600	674,564,000	5	134
Belstar	123,000	23,945,000	2	113
BSFL	275,200	31,590,000	3	134
Chaitanya	20,700	3,748,000	3	134
Disha Microfin	69,000	14,332,000	2	134
Equitas	1,220,000	186,415,000	4	134
ESAF	354,200	43,500,000	5	134
FFSL	150,600	35,719,000	2	134
Fusion	66,800	9,820,000	2	134
Grama Vidiyal	738,200	102,101,000	1	134
Grameen Koota	586,600	83,555,000	15	136
Janalakshmi	506,000	119,077,000	2	134
L & T Finance	399,800	37,199,000	1	134
MFL	331,800	49,083,000	1	134
MMFL	175,000	23,752,000	2	134
Mpower	13,600	2,263,000	2	134
Sahayata	0	0	0	134
Saija	24,700	4,682,000	2	134
Samasta	45,500	4,809,000	2	134
Satin	405,600	90,174,000	2	134
SCCI	115,600	15,910,000	2	134
Share	2,195,400	376,727,000	1	134
SKS	3,409,000	355,029,000	2	134
SMILE	360,200	56,927,000	1	134
SNFL	9,400	1,779,000	1	134
Sonata Finance	158,200	22,724,000	3	136
Spandana	533,400	147,240,000	2	134
Suryoday	78,600	14,713,000	3	134
SVCL	118,200	18,886,000	1	134
Swadhaar	92,800	17,166,000	3	134
Trident	68,700	8,852,000	1	134
Ujjivan	913,300	160,848,000	5	134
Utkarsh	168,600	25,915,000	3	134
VFS	175,400	19,264,000	2	134
Asomi	50,300	4,743,000	2	166
AES India	3,600	286,000	1	166
Arth	2,900	611,000	2	166
Asomi	50,300	4,743,000	2	166
Barasat GS	1,100	99,508.02	1	166
BJS	6,000	468,000	1	166
Cashpor	417,000	50,452,000	1	165
Credible	10,000	1,669,540.36	2	166
DIBAKAR	1,800	145,000	1	165
GOF	65,200	5,388,000	4	165
Hope	62,600	4,407,000	1	163
Jaago	2,700	237,000	1	164
LOK	4,900	573,000	1	165
Nano	25,600	3,660,000	2	166
NBSAAVS	28,100	2,821,000	1	163
Nirantara	8,200	917,000	2	165
Parama	7,100	482,000	1	165
Pragathi	26,200	4,579,000	6	165
PWMACS	36,500	5,946,000	1	165
Saadhana	90,900	12,046,000	2	165
Sambhav	1,500	183,000	3	165
Seba Rahara	6,700	468,000	1	165
SU	61,100	5,498,000	1	165
Swayanshree	7,900	918,000	2	165
Vikas Samiti	1,600	168,000	1	165
Vistaar	4,300	1,157,000	2	163
We The People	1,100	244,000	2	165
WEMCS	1,100	85,000	1	165
Yukti	1,100	99,000	2	165

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

	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 ∞

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Microcredit Productive Loans samples

Microcredit Productive Loans Price Graphs

Total Borrowers of Samples

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