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Kamyab Karobari Karza KMBL’s first product was piloted earlier by Kashf Foundation in
2005 to cater to the financial needs of micro and small enterprises. The product mainly targets small businesses that have a fast turnover through a unique loan appraisal methodology. It focuses on experienced entrepreneurs. The maximum loan size limit is of Rs. 150,000, with only 20% of loans with balances between Rs. 100,000 and Rs. 150,000 as per requirement of SBP’s prudential regulations. |
| Purpose of Loan: |
To meet working capital or fixed assets requirements only. |
| Loan Amounts |
| First Loan Cycle: |
Second Loan Cycle: |
Third Loan Cycle: |
| Rs. 25,000-Rs.100,000 |
Rs. 25,000-Rs.100,000 |
Rs. 25,000-Rs.150,000 |
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| Tenure |
| First Loan Cycle |
Second Loan Cycle and beyond: |
| 6 months – 12 months |
6 months – 18 months |
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| Age of the clients: |
For the first loan cycle: 25-58 (at the time of sanction of the loan)
For the second loan cycle: 25-60 (at the time of sanction of the loan)
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| Age of the Guarantor: |
Age of the guarantor: 25-65 (at the time of sanction of the loan) |
| Business: |
It should be an operational business owned by the client. |
| Type of Activity: |
Trade, production, services or livestock raising |
| Experience: |
At least 2 years of experience in the same business. |
| Business Location: |
Business operating in the same location for at least 1 year. |
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