The major chunk of Pakistan’s economy is dependent on agriculture. The population of Pakistan is divided in Urban and Rural. The majority of the rural population is engaged in agriculture sector. So, Thardeep Microfinance Foundation offers loan for Rabi and Kharif crops to small land holders for purchasing agriculture inputs directly from market reducing the burden of middle man.

Major Crops

• Wheat
• Cotton
• Rice
• Chilies
• Sunflower
• Sugarcane
• Onion
• Seasonal vegetable

Loan Eligibility

• Age between 18 to 65 year
• Valid CNIC of borrower
• Valid CNIC of Guarantor
• Must be a permanent resident of same place from last 2 years
• Social/Tangible Guarantee as per policy

Disbursement and Recovery

• Bio metric disbursement in 1 to 3 days after the appraisal
• Easy repayment through ADCS

channel and Mobile account

Lending Methodology

• Individual/Group

Loan Amount

• Minimum Loan Amount: 10,000
• Maximum Loan Amount: 5,00,000

Loan Duration

• Repayment Frequency
• Quarterly/Six Monthly/ Lumpsum

Collateral/Tangible Guarantee

Up to Loan amount of Rs. 100,000

• Requirement of Guarantor
• Non-Family Member
• Bank cheques and statement as per loan policy and procedure
• Guarantor must be a Government employee or Market shop keeper

Insurance

• Client Life covered as per loan Amount