| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.advanspakistan.com |
| Year established | 2012 |
| Head of Institution | Tariq Khan Baluch |
| Regions active | Sindh |
| # Branches | 3 |
| Total Portfolio (nat'l) | PKR 142,708,138 |
| Total Portfolio (USD) | USD 1,401,393.92 |
| Active clients with loans | 1,872 |
| Approximate % female clients | 0% - 20% |
| Approximate % urban clients | 100% |
| Network affiliations | APMBL is a subsidiary of the Advans group |
| Funders | Advans SA, FMO |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 1987 |
| Head of Institution | Alma M. Estolas |
| Regions active | |
| # Branches | 21 |
| Total Portfolio (nat'l) | PhP 119,300,028.50 |
| Total Portfolio (USD) | USD 2,854,067.67 |
| Active clients with loans | 39,663 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | APPEND, MFC- Northern Luzon and CAR, Oikocredit |
| Funders | Oikocredit, PCFC, Small Business Corporation, NLDC |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Karobar Sanwaro | PKR 10,000 - 150,000 | 3 - 18 | 0% - 20% | 100% | Business | Women, Men, Have business, Specific age group, Age bracket is 18 to 60 | Credit Ins |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | PHP 5,000 - 50,000 | 4 | 40% - 60% | 0% - 20% | Business, Agriculture, Purchase of farm inputs | Women, Men, Engaged in farming activities | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Values Formation | |||||||
| General Business Loan | PHP 1,000 - 30,000 | 6 | 80% - 100% | 0% - 20% | Business | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Values Formation | |||||||
| Livestock Loan | PHP 5,000 - 15,000 | 4 - 6 | 60% - 80% | 0% - 20% | Business, Livestock-related expenses | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Values Formation | |||||||
| Salary Loan | PHP 10,000 - 40,000 | 3 - 12 | 40% - 60% | 0% - 20% | Any Purpose | Women, Men, Salaried worker, Barangay Officials | Credit Educ, Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Karobar Sanwaro | 41.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 42.5% - 44.2% | 44.3% - 46.8% | 89 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 36.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0% upfront 200.00 ongoing | 44.6% - 46.2% | 55% - 56.5% | 64 | ||||||||
| General Business Loan | 40.0% annual, Flat | 1 Fee | 2 Ins | None | 40.00 ongoing | 88% - 92.6% | 105.8% - 189.6% | 32 | ||||||||
| Livestock Loan | 36.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0% upfront 200.00 ongoing | 44.6% - 46.5% | 55.1% - 61.4% | 62 | ||||||||
| Salary Loan | 36.0% annual, Flat | 1 Fee | 2 Ins | None | N/A | 66.7% - 68.4% | 73.2% - 79.3% | 47 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Karobar Sanwaro | 41.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 42.5% - 44.2% | 44.3% - 46.8% | 89 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 36.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.0% upfront 200.00 ongoing | 44.6% - 46.2% | 55% - 56.5% | 64 | ||||||||
| General Business Loan | 40.0% annual, Flat | 1 Fee | 2 Ins Ins | None | 40.00 ongoing | 88% - 92.6% | 105.8% - 189.6% | 32 | ||||||||
| Livestock Loan | 36.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.0% upfront 200.00 ongoing | 44.6% - 46.5% | 55.1% - 61.4% | 62 | ||||||||
| Salary Loan | 36.0% annual, Flat | 1 Fee | 2 Ins Ins | None | N/A | 66.7% - 68.4% | 73.2% - 79.3% | 47 |
| 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 ∞ | ||||||
