University St.

Thomas SEP CED Loan Status December 31, 2011

S. No

Name

Village

Region

Loan

Recovered

US$
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

Farida Begum
Skim Bano
Bibi Naseem
Bibi Rashida
Bibi Amina
Shamim Ara
Soni
Husun Bano
Jubli Bano
Taj Mehal
Meher Parveen
Naik Bano
Taj bibi
Shahdana
Gul Amdam
Yasmeen Bano
Gul Zadi
Mahoot
Gul Sori
Shukrat bibi

Oshikhandass
Oshikhandass
Oshikhandass
Oshikhandass
Danyore
Danyore
Danyore
Danyore
Danyore
Danyore
Mohd abad
Mohd abad
Mominabad
Mominabad
Mominabad
Mominabad
Mominabad
Mominabad
Mominabad
Mominabad
Total

Gilgit
Gilgit
Gilgit
Gilgit
Gilgit
Gilgit
Gilgit
Gilgit
Gilgit
Gilgit
Gilgit
Gilgit
Hunza
Hunza
Hunza
Hunza
Hunza
Hunza
Hunza
Hunza

US$
500
500
500
500
500
500
500
500
500
500
500
500
500
500
500
500
500
500
500
500

10,000

500
310
500
500
333
500
500
500
500
500
167
393
307
307
307
307
307
307
307
307
7,659

Summary CED Loan

Loan Provided by
SEP UST

# of Beekeepers

Loan
Recovered Outstanding
US$
US$
US$
20
10,000
7,659
2,341

1, 2011
Outstanding

# of Hives

US$
0
190
0
0
167
0
0
0
0
0
333
107
193
193
193
193
193
193
193
193
2,341

Recovered
in %
77

20
10
15
5
5
15
20
20
12
8
25
4
2
2
2
2
2
2
2
2
175

Honey
Production
Kg

160
80
120
40
40
120
160
160
96
64
200
32
16
16
16
16
16
16
16
16
1,400

University St. Thomas SEP CED Loan Status September 2011

S. No

Name

Village

Region

Loan
US$

Recovered Outstanding
US$

US$

Farida Begum

Oshikhandass

Gilgit

500

500

Skim Bano

Oshikhandass

Gilgit

500

250

250

Bibi Naseem

Oshikhandass

Gilgit

500

167

333

Bibi Rashida

Oshikhandass

Gilgit

500

338

162

Bibi Amina

Danyore

Gilgit

500

331

169

Shamim Ara

Danyore

Gilgit

500

500

Soni

Danyore

Gilgit

500

500

Husun Bano

Danyore

Gilgit

500

489

11

Jubli Bano

Danyore

Gilgit

500

473

27

10

Taj Mehal

Danyore

Gilgit

500

416

84

11

Meher Parveen

Mohd abad

Gilgit

500

167

333

12

Naik Bano

Mohd abad

Gilgit

500

333

167

13

Taj bibi

Mominabad

Hunza

500

307

193

14

Shahdana

Mominabad

Hunza

500

307

193

15

Gul Amdam

Mominabad

Hunza

500

307

193

16

Yasmeen Bano

Mominabad

Hunza

500

307

193

17

Gul Zadi

Mominabad

Hunza

500

307

193

18

Mahoot

Mominabad

Hunza

500

307

193

19

Gul Sori

Mominabad

Hunza

500

307

193

20

Shukrat bibi

Mominabad

Hunza

500

307

193

Total

10,000

6,920

3,080

Summary of the CED Loan

Loan Provided by
SEP UST

# of beneficiariesLoan
Recovered Outstanding Recovered
US$
US$
US$
in %
20
10,000
6,920
3,080
69

UST MCP CED Beehives Status

No

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

Name

Shamim Arra

Village

Danyore
Rashida Bibi
Oshikhandass
Farida Imtiaz
Oshikhandass
Taj Gul
Mominabad
Amina
Danyore
Shahdana
Mominabad
Gul Aftab
Mominabad
Meher Parveen
Danyore
Yasmin Bano
Mominabad
Shukrat Bibi
Mominabad
Gul Zadi
Mominabad
Mahoot
Mominabad
Skim Bano
Oshikhandass
Gul Sori
Mominabad
Soni
Danyore
Taj Begum
Danyore
Jubli Begum
Danyore
Hussun
Danyore
Nasim Bano
Oshikhandass
Neik Bano
Danyore
Total

Number of
Region Loan US$ Beehives Before
Floods
Gilgit
Gilgit
Gilgit
Hunza
Gilgit
Hunza
Hunza
Gilgit
Hunza
Hunza
Hunza
Hunza
Gilgit
Hunza
Gilgit
Gilgit
Gilgit
Gilgit
Gilgit
Gilgit

Note: unit cost of single bee hive @ 9000 PKR

US$ conversion ratio @ 85

500
500
500
500
500
500
500
500
500
500
500
500
500
500
500
500
500
500
500
500
$10,000

10
8
25
6
10
6
6
25
6
6
6
6
7
6
10
6
15
8
6
12
190

Number of
Beehives
Damaged by
Floods
6
4
14
4
7
4
4
8
4
4
3
2
3
3
4
2
7
3
3
7
96

US $
Grants
required
636
424
1484
424
742
424
424
848
424
424
318
212
318
318
424
212
742
318
318
742
10,176

Honey Collection and Loan Reimbusement Details August 30, 2010

S. No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

Name

Village

Danyore
Shamim Arra
Rashida Bibi
Oshikhandass
Farida Imtiaz
Oshikhandass
Taj Gul
Mominabad
Amina
Danyore
Shahdana
Mominabad
Gul Aftab
Mominabad
Meher Parveen Danyore
Yasmin Bano
Mominabad
Shukrat Bibi
Mominabad
Gul Zadi
Mominabad
Mahoot
Mominabad
Skim Bano
Oshikhandass
Gul Sori
Mominabad
Soni
Danyore
Taj Begum
Danyore
Jubli Begum
Danyore
Hussun
Danyore
Nasim Bano
Oshikhandass
Neik Bano
Danyore
Total

Region Loan US$

Gilgit
Gilgit
Gilgit
Hunza
Gilgit
Hunza
Hunza
Gilgit
Hunza
Hunza
Hunza
Hunza
Gilgit
Hunza
Gilgit
Gilgit
Gilgit
Gilgit
Gilgit
Gilgit

500
500
500
500
500
500
500
500
500
500
500
500
500
500
500
500
500
500
500
500
10,000.00

Receivable
Honey Kg

1st Inst
in US$

144.83
175
144.83
175
144.83
175
144.83
175
144.83
175
144.83
175
144.83
175
144.83
175
144.83
175
144.83
175
144.83
175
144.83
175
144.83
175
144.83
175
144.83
175
144.83
175
144.83
175
144.83
175
144.83
175
144.83
175
2,896.55 3,500.00

Receivable
Honey 1st
Inst
48.37
48.37
48.37
28.97
48.37
28.97
28.97
48.37
28.97
28.97
28.97
28.97
48.37
28.97
48.37
48.37
48.37
48.37
48.37
48.37
812.19

Received
Honey
(Kg)
32.5
56.5
26
16.4
48.3
16.4
16.4
0
16.4
16.4
16.4
16.4
30
16.4
48
0
48.3
48.3
48.5
29
546.60

Per kg
US$

Cash
Amount
Received
US$
US$

3.625
118
3.625
205
3.625
94
3.625
59
3.625
175
3.625
59
3.625
59
3.625
0
3.625
59
3.625
59
3.625
59
3.625
59
3.625
109
3.625
59
3.625
174
3.625
0
3.625
175
3.625
175
3.625
176
3.625
105
3.62 1,981.31

175
0
81
0
0
0
0
0
0
0
0
0
66
0
1
175
0
0
0
188
685.50

Total
Received
US$
293
205
175
59
175
59
59
0
59
59
59
59
175
59
175
175
175
175
176
293
2,666.81

010
1st Inst
US$
175
175
175
59
175
59
59
0
59
59
59
59
175
59
175
175
175
175
175
175
2,398.35

2nd Inst
US$
118
30
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1
118
268.46

Default
US$
57
145
175
291
175
291
291
350
291
291
291
291
175
291
175
175
175
175
174
57
4,333.18

Recovera
Recovery
ble US$
% to date
to date
350
350
350
350
350
350
350
350
350
350
350
350
350
350
350
350
350
350
350
350
7,000.00

1st / 2nd InstallmentDefault

2,666.81
7,333.19

83.66
58.52
50.00
16.99
50.03
16.99
16.99
0.00
16.99
16.99
16.99
16.99
50.00
16.99
50.00
50.00
50.03
50.03
50.20
83.61
38.10

UST MCP Status of Loan Recovery June 2010

S. No
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

Name
Shamim Arra
Rashida Bano
Farida Imtiaz
Taj Gul
Amina
Shahdana
Gul Aftab
Meher Parvar
Yasmeen Bano
Shukrat Bibi
Gul Zadi
Mahoot
Skim Bano
Gul Sori
Soni
Jubli Bano
Taj Begum
Hussen
Nasim Bano
Neak Bano
G Total

Village
Danyore
Oshikhandass
Oshikhandass
Mominabad
Danyore
Mominabad
Mominabad
Danyore
Mominabad
Mominabad
Mominabad
Mominabad
Oshikhandass
Mominabad
Danyore
Danyore
Danyore
Danyore
Oshikhandass
Danyore

Total Recoverable
Loan with 5%
42000
42000
42000
42000
42000
42000
42000
42000
42000
42000
42000
42000
42000
42000
42000
42000
42000
42000
42000
42000

Source of
Financing

Target (Amount in Target (Amount in $) Receivable Honey Received

PK Rs) (May 25-30)
(May 25-30)
(Kg)
Honey (Kg)

UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
714000

14000
14000
14000
8400
14000
8400
8400
14000
8400
8400
8400
8400
14000
8400
14000
14000
14000
14000
14000
14000
193200

Note:
1 Repayment includes service charges @ 5 % of principal amount on flat charge basis
2 The loan amount will be disbursed/collected in equivalent Pak Rupees on the prevailing
currency exchange rate.
3 The service charges are used contributing towards facilitating procurement of input/beehives,
transportation, support serrvices, monitoring, disbursement and collection of loans

175
175
175
105
175
105
105
175
105
105
105
105
175
105
175
175
175
175
175
175
2415

48.3
48.3
48.3
29.0
48.3
29.0
29.0
48.3
29.0
29.0
29.0
29.0
48.3
29.0
48.3
48.3
48.3
48.3
48.3
48.3
666.21

Cash
22.5
26
16.4
48.3
16.4
16.4
0
16.4
16.4
16.4
16.4
30
16.4
48.3
48.3
Cash
48.3
30
29
413.4

Received
amount (PKR)
14000
6525
7540
4756
14007
4756
4756
0
4756
4756
4756
4756
8700
4756
14007
14007
14000
14007
8700
8410
133886

Received
amount (US$)
175.0
81.6
94.3
59.5
175.1
59.5
59.5
0.0
59.5
59.5
59.5
59.5
108.8
59.5
175.1
175.1
175.0
175.1
108.8
105.1
1673.6

Variance
Honey (kg)
0.0
25.8
22.3
12.6
0.0
12.6
12.6
48.3
12.6
12.6
12.6
12.6
18.3
12.6
0.0
0.0
0.0
0.0
18.3
19.3
204.53

Amount (PKR)
0
7475
6460
3644
0
3644
3644
14000
3644
3644
3644
3644
5300
3644
0
0
0
0
5300
5590
59342

Recovery %
Amount (US $)
0.00
93.44
80.75
45.55
0.00
45.55
45.55
175.00
45.55
45.55
45.55
45.55
66.25
45.55
0.00
0.00
0.00
0.00
66.25
69.88
741.8

100.00
46.61
53.86
56.62
100.05
56.62
56.62
0.00
56.62
56.62
56.62
56.62
62.14
56.62
100.05
100.05
100.00
100.05
62.14
60.07
69.30

UST MCP Loan Return Schedule

S. No Name
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

Shamim Arra
Rashida Bibi
Farida Imtaz
Taj Gul
Amina
Shahdana
Gul Aftab
Meher Parveen
Yasmeen Bano
Shukrat Bibi
Gul Zadi
Mahoot
Skim Bano
Gul Sori
Soni
Taj Begum
Jubli Bano
Hussen
Nasim Bano
Neak Bano

Village
Danyore
Oshikhandass
Oshikhandass
Mominabad
Danyore
Mominabad
Mominabad
Danyore
Mominabad
Mominabad
Mominabad
Mominabad
Oshikhandass
Mominabad
Danyore
Danyore
Danyore
Danyore
Oshikhandass
Danyore

Loan
500 $
500 $
500 $
500 $
500 $
500 $
500 $
500 $
500 $
500 $
500 $
500 $
500 $
500 $
500 $
500 $
500 $
500 $
500 $

Source of
Financing
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP
UST MCP

1st inst (US$) 2nd inst (US$)

167 $ +5%
167 $ +5%
167 $ +5%
100 $ +5%
167 $ +5%
100 $ +5%
100 $ +5%
167 $ +5%
100 $ +5%
100 $ +5%
100 $ +5%
100 $ +5%
167 $ +5%
100 $ +5%
167 $ +5%
167 $ +5%
167 $ +5%
167 $ +5%
167 $ +5%
167 $ +5%

167 $ +5%
167 $ +5%
167 $ +5%
100 $ +5%
167 $ +5%
100 $ +5%
100 $ +5%
167 $ +5%
100 $ +5%
100 $ +5%
100 $ +5%
100 $ +5%
167 $ +5%
100 $ +5%
167 $ +5%
167 $ +5%
167 $ +5%
167 $ +5%
167 $ +5%
167 $ +5%

3rd inst (US$)

167 $ +5%
167 $ +5%
167 $ +5%
100 $ +5%
167 $ +5%
100 $ +5%
100 $ +5%
167 $ +5%
100 $ +5%
100 $ +5%
100 $ +5%
100 $ +5%
167 $ +5%
100 $ +5%
167 $ +5%
167 $ +5%
167 $ +5%
167 $ +5%
167 $ +5%
167 $ +5%

4th inst (US$)

5th inst (US$)

100 $ +5%
100 $ +5%
100 $ +5%
100 $ +5%
100 $ +5%
100 $ +5%
100 $ +5%
100 $ +5%
-

100 $ +5%
100 $ +5%
100 $ +5%
100 $ +5%
100 $ +5%
100 $ +5%
100 $ +5%
100 $ +5%
-

Total Amount (US$)

500 $ +5%
500 $ +5%
500 $ +5%
500 $ +5%
500 $ +5%
500 $ +5%
500 $ +5%
500 $ +5%
500 $ +5%
500 $ +5%
500 $ +5%
500 $ +5%
500 $ +5%
500 $ +5%
500 $ +5%
500 $ +5%
500 $ +5%
500 $ +5%
500 $ +5%
500 $ +5%

2010 Credit & Enterprise Development (CED) Expected Honey Production

S. #
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20

Name
Shamim Arra
Rashida Bibi
Farida Imtiaz
Taj Gul
Amina
Shadana
Gul Aftab
Meher Paveen
Yasmeen Bano
Shukrat Bibi
Gul Zadi
Mahoot
Skim Bano
Gul Sori
Soni
Jubli Bano
Hussen
Naseem Bano
Taj Begum
Neak Bano

Prepared by:

University of St. Thomas Microcredit Program (UST MCP)

# of Hives
Expected honey foreca
Village
Region
Previous
New
Total
Previous
Danyore
Oshikhandas
Oshikhandas
Mominabad
Danyore
Mominabad
Mominabad
Danyore
Mominabad
Mominabad
Mominabad
Mominabad
Oshikhandas
Mominabad
Danyore
Murtazabad
Danyore
Oshikhandas
Danyore
Danyore
Garee Khan
EDA HF GOG

Gilgit
Gilgit
Gilgit
Hunza
Gilgit
Hunza
Hunza
Gilgit
Hunza
Hunza
Hunza
Hunza
Gilgit
Hunza
Gilgit
Hunza
Gilgit
Gilgit
Gilgit
Gilgit

5
3
20
1
5
1
1
20
1
1
1
1
2
1
5
1
10
3
1
7

5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5
5

10
8
25
6
10
6
6
25
6
6
6
6
7
6
10
6
15
8
6
12

160
96
640
32
160
32
32
640
32
32
32
32
64
32
160
32
320
96
32
224

Honey Production

MCP)
Expected honey forecast
New

Total

160
160
160
160
160
160
160
160
160
160
160
160
160
160
160
160
160
160
160
160

320
256
800
192
320
192
192
800
192
192
192
192
224
192
320
192
480
256
192
384