Please note that the information you are viewing is 156 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
Please note that the information you are viewing is 106 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Agora Microfinance Zambia Plot No 3807 Kwacha Road, OlympiaPO Box 745, Post Net Manda HillLusaka
Data approved: 2012-04-03
Data version: 1
Age of data: 156 months

Institution

Tameer Microfinance Bank A-15, Block 7/8 KCHS Union, Karachi 75350, PakistanKarachi75350
Data approved: 2015-04-15
Data version: 2
Age of data: 106 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established2010
Head of InstitutionMaluba Handahu-Wakung'uma
Regions active
# Branches2

Total Portfolio (nat'l)ZMK 3,373,101,754
Total Portfolio (USD)USD 651,807.10
Active clients with loans4,950
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliations
FundersMoringaway, Concern Worldwide

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.tameerbank.com
Year established2005
Head of InstitutionNadeem Hussain (CEO & President)
Regions activeAzad Kashmir, Balochistan, Khyber Pakhtunkwa, Punjab, Sindh
# Branches153

Total Portfolio (nat'l)PKR 8,701,618,309
Total Portfolio (USD)USD 85,449,891.79
Active clients with loans221,224
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsPakistan Micro Finance Network
FundersCGAP, DFID

Loan Products » Summary

1,418 Borrowers
USD 225,924.64 Portfolio
Active Product
3,532 Borrowers
USD 425,675.36 Portfolio
Active Product

Loan Products » Summary

89,701 Borrowers
USD 55,629,473.65 Portfolio
Active Product
38,736 Borrowers
USD 8,601,720.39 Portfolio
Active Product
4,139 Borrowers
USD 2,797,699.21 Portfolio
Active Product
67,453 Borrowers
USD 9,973,293.01 Portfolio
Active Product
2,084 Borrowers
USD 2,111,298.50 Portfolio
Active Product
18,352 Borrowers
USD 6,182,667.26 Portfolio
Active Product
759 Borrowers
USD 153,739.79 Portfolio
Low Volume 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
End of Term Loan ZMK 400,000 - 1,500,000 6 - 12 40% - 60% 0% Business, Agriculture Women, Men Credit Educ, Group Mtgs
Flexi 1 ZMK 400,000 - 2,000,000 3 - 12 40% - 60% 0% Business Women, Men Credit Educ, Group Mtgs

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Tameer Sarmaya Qarza (TSQ) PKR 10,000 - 150,000 3 - 12 20% - 40% 20% - 40% Business, Agriculture, Other Women, Men Credit Ins
Karobar Loan PKR 10,000 - 125,000 6 - 24 0% - 20% 60% - 80% Business Women, Men, Have business
Livestock Financing PKR 50,000 - 400,000 12 - 24 0% 100% Business Women, Men, Have business
Group Loan PKR 15,000 - 25,000 12 - 36 60% - 80% 60% - 80% Business Women, Men
House Finance PKR 20,000 - 450,000 24 - 60 0% 100% Housing, Consumer Women, Men, Have home or land Credit Ins
Salary Loan PKR 10,000 - 150,000 12 - 36 0% - 20% 100% Consumer, Other Women, Men, Salaried worker

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
End of Term Loan 60.0% annual, Decl Bal 1 Fee 0 Ins None 7.0% upfront 64.2% - 68.6% 69.1% - 73.9% 84
Flexi 1 66.0% annual, Decl Bal 1 Fee 0 Ins None 10.0% upfront 76% - 79.1% 91% - 95.2% 70

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Tameer Sarmaya Qarza (TSQ) 27.0%-33.0% annual, Flat 1 Fee 0 Ins 16.00% fees N/A 26% - 31.2% 26.3% - 31.9% 95
Karobar Loan 23.0% annual, Flat 1 Fee 0 Ins 16.00% fees N/A 43.1% - 46.1% 43.9% - 47.4% 51
Livestock Financing 23.0%-30.0% annual, Flat 1 Fee 0 Ins 16.00% fees N/A 39.3% - 48.5% 39.7% - 48.9% 52
Group Loan 22.0% annual, Flat 1 Fee 0 Ins 16.00% fees 5.0%-10.0% upfront 40.2% - 42.6% 44.7% - 49.1% 47
House Finance 19.0%-20.0% annual, Flat 1 Fee 0 Ins 16.00% fees N/A 33.9% 34.2% 56
Salary Loan 18.0% annual, Flat 1 Fee 0 Ins 16.00% fees N/A 32.9% - 38% 33.4% - 39.2% 49

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
End of Term Loan 60.0% annual, Decl Bal 1 Fee 0 Ins Ins None 7.0% upfront 64.2% - 68.6% 69.1% - 73.9% 84
Flexi 1 66.0% annual, Decl Bal 1 Fee 0 Ins Ins None 10.0% upfront 76% - 79.1% 91% - 95.2% 70

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Tameer Sarmaya Qarza (TSQ) 27.0%-33.0% annual, Flat 1 Fee 0 Ins Ins 16.00% fees N/A 26% - 31.2% 26.3% - 31.9% 95
Karobar Loan 23.0% annual, Flat 1 Fee 0 Ins Ins 16.00% fees N/A 43.1% - 46.1% 43.9% - 47.4% 51
Livestock Financing 23.0%-30.0% annual, Flat 1 Fee 0 Ins Ins 16.00% fees N/A 39.3% - 48.5% 39.7% - 48.9% 52
Group Loan 22.0% annual, Flat 1 Fee 0 Ins Ins 16.00% fees 5.0%-10.0% upfront 40.2% - 42.6% 44.7% - 49.1% 47
House Finance 19.0%-20.0% annual, Flat 1 Fee 0 Ins Ins 16.00% fees N/A 33.9% 34.2% 56
Salary Loan 18.0% annual, Flat 1 Fee 0 Ins Ins 16.00% fees N/A 32.9% - 38% 33.4% - 39.2% 49
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Key Statistics
# Samples:
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# 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
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