Institution Type | Non-Governmental Organization |
Is this institution regulated? | Yes |
Website address | http://www.thardeep.org |
Year established | 1998 |
Head of Institution | Ms. Parsa Pathani |
Regions active | Sindh |
# Branches | 151 |
Total Portfolio (nat'l) | PKR 1,407,060,752 |
Total Portfolio (USD) | USD 13,817,336.58 |
Active clients with loans | 100,001 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 0% - 20% |
Network affiliations | Pakistan Microfinance Network, Rural Support Programme Network, National Disaster Management Authority |
Funders | Pakistan Poverty Alleviation Fund (PPAF), USAID, Government Of Sindh, Save the Children |
Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | N/A |
Year established | 1998 |
Head of Institution | Mr Tarekegn Bache |
Regions active | |
# Branches | 20 |
Total Portfolio (nat'l) | ETB 37,000,000 |
Total Portfolio (USD) | USD 2,010,869.57 |
Active clients with loans | 52,914 |
Approximate % female clients | 20% - 40% |
Approximate % urban clients | 20% - 40% |
Network affiliations | AEMFI, MAIN |
Funders | Irish Aid (initially), Care Ethiopia |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Enterprise Loans | PKR 5,000 - 100,000 | 3 - 12 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Business Training | |||||||
Livestock Loans | PKR 5,000 - 70,000 | 6 - 12 | 40% - 60% | 0% - 20% | Business, Livestock | Women, Men, must have livestock or want to purchase livestock | Credit Educ, Business Training | |||||||
Agriculture Loans | PKR 5,000 - 40,000 | 4 - 8 | 0% - 20% | 0% | Agriculture | Men, Have home or land | Credit Educ |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Loan | ETB 300 - 50,000 | 3 - 24 | 0% - 20% | 0% - 20% | Business, Agriculture | Women, Men | Credit Educ, Group Mtgs, Credit Ins | |||||||
General Loan | ETB 300 - 10,000 | 12 | 40% - 60% | 20% - 40% | Any Purpose | Women, Men, Salaried worker | Credit Educ, Group Mtgs, Credit Ins | |||||||
Housing Loan | ETB 10,000 - 100,000 | 12 - 24 | 0% - 20% | 80% - 100% | Housing | Women, Men, Have home or land | Credit Ins | |||||||
Micro and Small Enterprise Loan | ETB 300 - 50,000 | 3 - 24 | 0% - 20% | 80% - 100% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
Petty Trade Loan | ETB 300 - 100,000 | 3 - 24 | 20% - 40% | 40% - 60% | Business | Women, Men, Have home or land | Credit Educ, Group Mtgs, Credit Ins | |||||||
Service Loan | ETB 300 - 100,000 | 12 - 24 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Credit Ins |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Enterprise Loans | 18.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 34.4% - 35.6% | 35.1% - 37.6% | 49 | ||||||||
Livestock Loans | 18.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 18.6% - 21.3% | 18.9% - 21.8% | 91 | ||||||||
Agriculture Loans | 18.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 20.1% - 21.3% | 20.6% - 24% | 80 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Loan | 12.0% annual, Flat | 1 Fee | 1 Ins | None | 6.0% upfront 20.00 ongoing | 35.6% - 40.4% | 41.9% - 48.8% | 27 | ||||||||
General Loan | 18.0% annual, Flat | 1 Fee | 1 Ins | None | 6.0% upfront 20.00 ongoing | 35.6% - 35.7% | 42.8% - 46.9% | 40 | ||||||||
Housing Loan | 15.0%-18.0% annual, Flat | 1 Fee | 1 Ins | None | 6.0% upfront 20.00 ongoing | 28.7% - 35.6% | 34.5% - 44.2% | 41 | ||||||||
Micro and Small Enterprise Loan | 18.0% annual, Flat | 1 Fee | 1 Ins | None | 6.0% upfront 20.00 ongoing | 28.6% - 35.5% | 32.9% - 41.8% | 51 | ||||||||
Petty Trade Loan | 18.0% annual, Flat | 1 Fee | 1 Ins | None | 6.0% upfront 20.00 ongoing | 28.7% - 35.7% | 32.9% - 43.7% | 48 | ||||||||
Service Loan | 18.0% annual, Flat | 1 Fee | 1 Ins | None | 6.0% upfront 20.00 ongoing | 28.7% - 28.8% | 32.9% - 33.1% | 54 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Enterprise Loans | 18.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 34.4% - 35.6% | 35.1% - 37.6% | 49 | ||||||||
Livestock Loans | 18.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 18.6% - 21.3% | 18.9% - 21.8% | 91 | ||||||||
Agriculture Loans | 18.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 20.1% - 21.3% | 20.6% - 24% | 80 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Loan | 12.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 6.0% upfront 20.00 ongoing | 35.6% - 40.4% | 41.9% - 48.8% | 27 | ||||||||
General Loan | 18.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 6.0% upfront 20.00 ongoing | 35.6% - 35.7% | 42.8% - 46.9% | 40 | ||||||||
Housing Loan | 15.0%-18.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 6.0% upfront 20.00 ongoing | 28.7% - 35.6% | 34.5% - 44.2% | 41 | ||||||||
Micro and Small Enterprise Loan | 18.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 6.0% upfront 20.00 ongoing | 28.6% - 35.5% | 32.9% - 41.8% | 51 | ||||||||
Petty Trade Loan | 18.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 6.0% upfront 20.00 ongoing | 28.7% - 35.7% | 32.9% - 43.7% | 48 | ||||||||
Service Loan | 18.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 6.0% upfront 20.00 ongoing | 28.7% - 28.8% | 32.9% - 33.1% | 54 |
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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
---|---|---|---|---|---|---|---|
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 ∞ |