| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.waseelabank.com |
| Year established | 2012 |
| Head of Institution | Mr. Ghazanfar Azzam |
| Regions active | Islambad Capital Territory, Khyber Pakhtunkwa, Punjab, Sindh |
| # Branches | 41 |
| Total Portfolio (nat'l) | PKR 621,746,515 |
| Total Portfolio (USD) | USD 6,105,550.78 |
| Active clients with loans | 13,855 |
| Approximate % female clients | 0% - 20% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | |
| Funders | Global Telecom Holding S.A.E |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://Néant |
| Year established | 2000 |
| Head of Institution | Mohamed OUMAYCHA |
| Regions active | Beni Mellal-Khenifra, Drâa-Tafilalt |
| # Branches | 15 |
| Total Portfolio (nat'l) | MAD 6,092,844 |
| Total Portfolio (USD) | USD 716,805.18 |
| Active clients with loans | 2,720 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Réseau de la Microfinance solidaire au Maroc (RMS) |
| Funders | AMSED, Fonds Hassan II, USAID, Fondation Mohamed V |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Waseela Fori Cash Loan | PKR 25,000 - 150,000 | 3 - 12 | 0% - 20% | 20% - 40% | Business, Agriculture, Livestock, Trading & Manufacturing | Women, Men, Have business | ||||||||
| Waseela Khushhal Kisan Loan | PKR 20,000 - 60,000 | 3 - 12 | 0% - 20% | 0% - 20% | Business, Agriculture, Livetsock | Women, Men, Have business |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Produit Solidaire | MAD 1,000 - 5,000 | 4 - 12 | 0% | 0% - 20% | Business, Agriculture | Women, Have business | ||||||||
| Produit Individuel | MAD 1,500 - 50,000 | 4 - 36 | 40% - 60% | 0% - 20% | Business, Agriculture | Women, Men, Have business |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Waseela Fori Cash Loan | 27.0%-30.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | N/A | 28% - 35.3% | 28.2% - 36.6% | 90 | ||||||||
| Waseela Khushhal Kisan Loan | 29.0% annual, Flat | 1 Fee | 0 Ins | 16.00% fees | N/A | 26.9% - 32.7% | 27.1% - 33.6% | 98 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Produit Solidaire | 21.6% annual, Flat | 1 Fee | 0 Ins | None | 1.00%-1.50% ongoing | 37.7% - 40.1% | 43% - 44.5% | 49 | ||||||||
| Produit Individuel | 18.0%-20.4% annual, Flat | 1 Fee | 0 Ins | None | N/A | 31.8% - 37.5% | 31.8% - 37.5% | 51 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Waseela Fori Cash Loan | 27.0%-30.0% annual, Flat | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 28% - 35.3% | 28.2% - 36.6% | 90 | ||||||||
| Waseela Khushhal Kisan Loan | 29.0% annual, Flat | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 26.9% - 32.7% | 27.1% - 33.6% | 98 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Produit Solidaire | 21.6% annual, Flat | 1 Fee | 0 Ins Ins | None | 1.00%-1.50% ongoing | 37.7% - 40.1% | 43% - 44.5% | 49 | ||||||||
| Produit Individuel | 18.0%-20.4% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 31.8% - 37.5% | 31.8% - 37.5% | 51 |
| 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 ∞ | ||||||
