2. TRDP
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Institution

Thardeep Rural Development Programme Near Dargah Hussain Shah Siran, MithiTharparkar, Sindh69230
Data approved: 2015-05-12
Data version: 2
Age of data: 108 months
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Institution

Microloan Foundation Microloan Foundation(MW)P.O.Box 491Kasungu, Central Region
Data approved: 2012-02-03
Data version: 1
Age of data: -   months 
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Product

Agriculture Loans Product 3 of 3 « Prev | Next »

Product

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Product Summary

Number borrowers8,264
Loan Amount (range)PKR 5,000 - 40,000
Loan Term (range)4 - 8
Other Services (text summary)Credit Educ
Annual Interest & Method18.0% annual, Flat
Fees2.00% upfront
Insurance125.00 upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component16.6% - 31.2%
Fee Component2.0% - 7.5%
Insurance Component0.3% - 2.7%
Tax Component Range0
Full APR (int fee ins tax dep)20.6% - 24.0%
Transparency Index (min/max)48 - 95
Transparency Index (average)80

Product Summary

19,891
MWK 6,000 - 60,000
4
60.00% annual, Flat
 
N/A
109.5% - 133.1% (Int+Fee)
0
0
160.1% - 205.5%
29 - 80

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 158,272,917
Portfolio (USD)USD 1,554,240.05
Active Clients with Loans8,264
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0
Methodology
Individual
Solidarity group
Village banking
Self help group
Other
Description
Agriculture Loan is offered to small land owners for cultivation, pestisides and Seed.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Women
Must run a business
Must own a home or landx
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 institution1
# Regions for this product1
Regions ActiveSindh

Product Details

Key Statistics
Outstanding portfolio (MWK)MWK 204,778,965
Portfolio (USD)USD 1,365,193
Active Clients with Loans19,891
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village bankingx
Self help group
Other
Description
A basic loan given as working capital for generic businesses. The target clients are 100 percent women in groups of 15 to 18. Training is provided in 8 sessions prior to clients given loan. Several liability is used and no collateral is used.\r
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
OtherGroup Dyanamics
Other (2)
No other services
Eligibility
Men
Womenx
Must run a businessx
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 5,000
Maximum loan size40,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00020%
PKR 25,000-50,00080%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term8.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months90%
Between 7 and 9 months10%
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period0.3 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Loan Conditions

Loan Amount
CurrencyMWK
Minimum loan sizeMWK 6,000
Maximum loan size60,000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term4.0 months
Approx average4.0 months
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeks
Monthly
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
DescriptionDocumentation Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionHealth and Accidental Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min125
Fixed amount - max125
Reason for variationN/A
Appears on Repayment Sched?Yes
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?No

Pricing Information

Interest
Lowest quoted nominal interest5.00%
Highest quoted nominal interest5.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?N/A
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
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00% - N/A
or, Fixed-amount deposited0 - N/A
Deposits DURING period payments
% loan amount deposited0 - N/A
or, Fixed-amount deposited0 - N/A
Conditions on access to deposit
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Agriculture Loans 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 10,000 Generated 2015-05-01 5.9 months N/A PKR 1,212.67 24.0% 17.2% 4.1% 2.7% 0.0% 0.0% 75 - PDF
PKR 20,000 Generated 2015-05-01 5.9 months N/A PKR 2,300.34 22.6% 17.2% 4.1% 1.3% 0.0% 0.0% 79 - PDF
PKR 25,000 Generated 2015-05-01 5.9 months N/A PKR 2,844.18 22.4% 17.2% 4.1% 1.1% 0.0% 0.0% 80 - PDF
PKR 28,000 Generated 2015-05-01 5.9 months N/A PKR 3,170.48 22.3% 17.2% 4.1% 1.0% 0.0% 0.0% 81 - PDF
PKR 32,000 Generated 2015-05-01 5.9 months N/A PKR 3,605.55 22.2% 17.2% 4.1% 0.9% 0.0% 0.0% 81 - PDF
PKR 35,000 Generated 2015-05-01 5.9 months N/A PKR 3,931.85 22.1% 17.2% 4.1% 0.8% 0.0% 0.0% 81 - PDF
PKR 38,000 Generated 2015-05-01 5.9 months N/A PKR 4,258.15 22.0% 17.2% 4.1% 0.7% 0.0% 0.0% 82 - PDF
PKR 40,000 Generated 2015-05-01 7.9 months N/A PKR 5,659.25 20.6% 17.0% 3.1% 0.5% 0.0% 0.0% 87 - PDF

Full Pricing Data

Standard Loan samples
Sample 1Sample 1Sample 1
Loan AmountMWK 15,000MWK 25,000MWK 35,000
Loan Cycle (1, 2, 3, etc)101010
Disbursement Date2012-10-182012-10-182012-10-18
Loan Term (Months)3.7 months3.7 months3.7 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component114.6%133.1%109.5%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component55.9%72.4%50.7%
Full APR (int fee ins tax dep)170.5%205.5%160.1%
Transparency Index352937
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Agriculture Loans 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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