2. RUCREF
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  2. FINCA
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Institution

Rural Credit Finance Company Ltd Roberta PlazaPlot 202/203, Hoima RoadKampala, Central RegionPO Box 29632
Data approved: 2011-06-29
Data version: 1
Age of data: 156 months

Institution

FINCA Microfinance Bank Ltd 387-E, Johar TownLahore, Punjab
Data approved: 2015-04-17
Data version: 2
Age of data: 107 months
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established1996
Head of InstitutionKasasa Moses
Regions activeCentral
# Branches4

Total Portfolio (nat'l)UGX 2,245,951,000
Total Portfolio (USD)USD 898,380.40
Active clients with loans5,557
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliationsAMFIU
FundersStromme, Oikocredit

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.finca.org.pk
Year established2008
Head of InstitutionMuhammad Mudassar Aqil
Regions activeKhyber Pakhtunkwa, Punjab, Sindh
# Branches100

Total Portfolio (nat'l)PKR 4,435,751,302
Total Portfolio (USD)USD 43,559,077.79
Active clients with loans82,051
Approximate % female clients0% - 20%
Approximate % urban clients60% - 80%
Network affiliationsPakistan Microfinance Network
FundersFINCA Microfinance Cooperatief U.A., Kashf Holdings (Pvt.) Limited, International Finance Corporation (IFC), Triodos Fair Share Fund (TFSF)

Loan Products » Summary

Agric Grp
1,162 Borrowers
USD 91,200 Portfolio
Active Product
Comm Grp
2,796 Borrowers
USD 203,600 Portfolio
Active Product
Emergency
229 Borrowers
USD 43,200 Portfolio
Active Product
Idv Business
1,369 Borrowers
USD 559,681 Portfolio
Active Product

Loan Products » Summary

KKK
54,626 Borrowers
USD 23,561,566.56 Portfolio
Active Product
SK
3,162 Borrowers
USD 827,172.25 Portfolio
Active Product
RB
11,506 Borrowers
USD 9,262,522.35 Portfolio
Active Product
ZK
7,171 Borrowers
USD 5,298,027 Portfolio
Active Product
KKK
4,654 Borrowers
USD 3,072,572.92 Portfolio
Active Product
MMK
300 Borrowers
USD 110,169.12 Portfolio
Low Volume Product
BKC
574 Borrowers
USD 1,258,651.08 Portfolio
Low Volume Product
BKG
2 Borrowers
USD 7,359.92 Portfolio
Low Volume Product
BK(RF)
56 Borrowers
USD 161,036.58 Portfolio
Low Volume Product
KKKK
Retired Product
KSK
Retired Product
KZK
Retired Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Group Lending UGX 100,000 - 1,000,000 6 40% - 60% 0% - 20% Any Purpose Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Commercial Group Loans UGX 100,000 - 3,000,000 4 - 6 80% - 100% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Emergency Loan UGX 200,000 - 1,000,000 1 20% - 40% 60% - 80% Any Purpose Women, Men, Have business, Salaried worker Credit Educ
Individual Business loans UGX 500,000 - 15,000,000 4 - 10 40% - 60% 60% - 80% Business Women, Men, Have business, Salaried worker Credit Educ, Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Kamyab Karobari Karza PKR 25,000 - 150,000 3 - 18 0% - 20% 80% - 100% Business Women, Men, Have business Credit Ins
Sunehri Karza PKR 25,000 - 150,000 3 - 24 0% - 20% 60% - 80% Business Women, Men, Have business Credit Ins
Raqam Barwaqt PKR 50,000 - 150,000 12 0% - 20% 80% - 100% Business Women, Men, Have business Credit Ins
Zarai Karza PKR 25,000 - 150,000 3 - 12 0% - 20% 0% Agriculture Women, Men, Have business Credit Ins
Kamyab Kashtkar Karza PKR 25,000 - 150,000 3 - 12 0% 0% Agriculture Women, Men, Have business Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Group Lending 38.40% annual, Flat 2 Fees 1 Ins None N/A 84.9% - 90.7% 90.4% - 96.3% 41
Commercial Group Loans 45.60% annual, Flat 2 Fees 1 Ins None N/A 106.5% - 112% 113.3% - 118.9% 39
Emergency Loan 60.00% annual, Flat 2 Fees 0 Ins None N/A 103.8% - 157.1% 103.8% - 157.1% 48
Individual Business loans 48.00% annual, Flat 2 Fees 1 Ins None N/A 89.5% - 96.4% 92.3% - 100.6% 49

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Kamyab Karobari Karza 25.0%-30.0% annual, Flat 1 Fee 1 Ins 16.00% fees N/A 42.7% - 55.2% 44.7% - 59.1% 45
Sunehri Karza 24.0%-26.0% annual, Decl Bal 1 Fee 1 Ins 16.00% fees N/A 25.3% - 35.8% 27.3% - 40.9% 72
Raqam Barwaqt 27.0%-28.0% annual, Flat 1 Fee 1 Ins 16.00% fees N/A 30.4% - 32.2% 31.7% - 33.8% 81
Zarai Karza 27.0% annual, Flat 1 Fee 1 Ins 16.00% fees N/A 25.8% - 39.9% 27.2% - 44.7% 86
Kamyab Kashtkar Karza 29.0%-30.0% annual, Flat 1 Fee 1 Ins 16.00% fees N/A 30.6% - 35.5% 31.8% - 38.7% 83

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Group Lending 38.40% annual, Flat 2 Fees 1 Ins Ins None N/A 84.9% - 90.7% 90.4% - 96.3% 41
Commercial Group Loans 45.60% annual, Flat 2 Fees 1 Ins Ins None N/A 106.5% - 112% 113.3% - 118.9% 39
Emergency Loan 60.00% annual, Flat 2 Fees 0 Ins Ins None N/A 103.8% - 157.1% 103.8% - 157.1% 48
Individual Business loans 48.00% annual, Flat 2 Fees 1 Ins Ins None N/A 89.5% - 96.4% 92.3% - 100.6% 49

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Kamyab Karobari Karza 25.0%-30.0% annual, Flat 1 Fee 1 Ins Ins 16.00% fees N/A 42.7% - 55.2% 44.7% - 59.1% 45
Sunehri Karza 24.0%-26.0% annual, Decl Bal 1 Fee 1 Ins Ins 16.00% fees N/A 25.3% - 35.8% 27.3% - 40.9% 72
Raqam Barwaqt 27.0%-28.0% annual, Flat 1 Fee 1 Ins Ins 16.00% fees N/A 30.4% - 32.2% 31.7% - 33.8% 81
Zarai Karza 27.0% annual, Flat 1 Fee 1 Ins Ins 16.00% fees N/A 25.8% - 39.9% 27.2% - 44.7% 86
Kamyab Kashtkar Karza 29.0%-30.0% annual, Flat 1 Fee 1 Ins Ins 16.00% fees N/A 30.6% - 35.5% 31.8% - 38.7% 83
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