2. TMFB
Please note that the information you are viewing is 107 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Credi Fe
Please note that the information you are viewing is 164 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Tameer Microfinance Bank A-15, Block 7/8 KCHS Union, Karachi 75350, PakistanKarachi75350
Data approved: 2015-04-15
Data version: 2
Age of data: 107 months
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Institution

Credi Fe Desarrollo Microempresarial S.A Francisco Robles 411 y 6 de DiciembreQuito, Pichincha28034
Data approved: 2011-11-01
Data version: 1
Age of data: 164 months

Product

Salary Loan Product 7 of 7 « Prev | Next »

Product

Credito Mejoramiento de Vivienda Product 3 of 5 « Prev | Next »

Product Summary

Number borrowers18,352
Loan Amount (range)PKR 10,000 - 150,000
Loan Term (range)12 - 36
Other Services (text summary)
Annual Interest & Method18.0% annual, Flat
Fees0.00%-2.00%, 1,000.00 min upfront
InsuranceNone
Tax16.00% fees
Comp DepN/A
Range of pricing 
Interest Price Component23.8% - 45.8%
Fee Component2.1% - 7.8%
Insurance Component0
Tax Component Range0.3% - 1.3%
Full APR (int fee ins tax dep)33.4% - 39.2%
Transparency Index (min/max)45 - 100
Transparency Index (average)49

Product Summary

865
USD 1,000 - 20,000
3 - 60
Credit Ins
10.9%-26.9% annual, Decl Bal
None
6.00% ongoing Y
None
N/A
 
N/A
10.8% - 27.3% (Int+Fee)
0.6% - 0.8%
0
11.4% - 27.9%
39 - 104
67

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 629,599,517
Portfolio (USD)USD 6,182,667.26
Active Clients with Loans18,352
Approximate % Female Clients0% - 20%
Approximate % Urban Clients100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
It is an EMI based financing facility for the customers who get monthly incomes to meet their ends and have limited formal financing facilities available.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loanx
Agriculture
Education
Other household financex
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution5
# Regions for this product2
Regions ActivePunjab, Sindh

Product Details

Key Statistics
Outstanding portfolio (USD)USD 4,964,256
Portfolio (USD)USD 4,964,256
Active Clients with Loans865
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Este crédito se concede para facilitar al microempresario el arreglo de su vivienda con una cobertura de hasta el 70% del proyecto
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or landx
Must be a salaried worker
Must be specific age group
OtherAl menos 6 meses de relacion de crédito con la institución
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 10,000
Maximum loan size150,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,0000
PKR 25,000-50,00080%
PKR 50,000-75,00010%
PKR 75,000-150,00010%
Greater than PKR 150,00010%
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term36.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months80%
Between 13 and 18 months20%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 1,000
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term60.0 months
Approx average32.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest18.00%
Highest quoted nominal interest18.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing fee
% of loan amount - min0
% of loan amount - max2.00%
OR, Fixed amount - min1,000
Fixed amount - max0
Reason for variation%age of loan amount or fixed amount- whichever is higher
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/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 depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?Yes
Percentage of fees16%
All or some fees taxedSome

Pricing Information

Interest
Lowest quoted nominal interest10.90%
Highest quoted nominal interest26.90%
Reason(s) why interest rate variesLoan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1Ins 2
DescriptionSeguro de DesgravamenSeguro Incendio
% of loan amount - min6.00%2.00%
% of loan amount - max6.00%2.00%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationPago mensual por seguro de desgravamen con cobertura del principal adeudadopara algunos prestamos de este producto.
Appears on Repayment Sched?YesYes
Compulsory Deposit
Required forNever
CriteriaN/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 depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Salary Loan samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 26,000 Generated 2015-06-01 12.0 months N/A PKR 5,852.82 39.2% 30.6% 7.4% 0.0% 1.2% 0.0% 46 - PDF
PKR 28,000 Generated 2015-06-01 12.0 months N/A PKR 6,223.09 38.7% 30.6% 6.9% 0.0% 1.2% 0.0% 47 - PDF
PKR 30,000 Generated 2015-06-01 12.0 months N/A PKR 6,597.99 38.2% 30.6% 6.5% 0.0% 1.1% 0.0% 47 - PDF
PKR 35,000 Generated 2015-06-01 12.0 months N/A PKR 7,477.20 37.0% 30.6% 5.5% 0.0% 0.9% 0.0% 49 - PDF
PKR 40,000 Generated 2015-06-01 12.0 months N/A PKR 8,379.73 36.1% 30.6% 4.8% 0.0% 0.7% 0.0% 50 - PDF
PKR 45,000 Generated 2015-06-01 12.0 months N/A PKR 9,322.79 35.7% 30.6% 4.4% 0.0% 0.7% 0.0% 50 - PDF
PKR 65,000 Generated 2015-06-01 18.0 months N/A PKR 19,106.08 33.4% 30.3% 2.6% 0.0% 0.5% 0.0% 54 - PDF
PKR 95,000 Generated 2015-06-01 18.0 months N/A PKR 27,924.27 33.4% 30.3% 2.6% 0.0% 0.5% 0.0% 54 - PDF

Full Pricing Data

Credito Mejoramiento de Vivienda samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 1,200USD 2,000USD 4,000USD 8,000USD 13,850USD 15,600
Loan Cycle (1, 2, 3, etc)2Not KnownNot KnownNot Known57
Disbursement Date2009-11-092010-06-232010-06-152010-06-242010-03-242010-04-30
Loan Term (Months)15.0 months15.0 months24.0 months36.0 months60.0 months36.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component27.3%26.8%24.5%10.8%10.8%11.4%
Insurance Component0.6%0.6%0.6%0.8%0.6%0.7%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)27.9%27.4%25.1%11.6%11.4%12.1%
Transparency Index394043949690
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Salary Loan Price Graphs


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Credito Mejoramiento de Vivienda Price Graphs


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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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X Axis
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By Country

Total Borrowers of Samples

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