Rice Microfinance Program (RMF) CED loan status December 31, 2011

S. No 1 2 3 4 5 6 7 8 9 10 11 12 Name Jurbas bibi Zarmurah Shamim Gamburi Haleema Bibi Alam Bano Kharoor Soni Gul Nisa Zareen Taj Meher Bano Haji bibi Village Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Momin abad Momin abad Total Summary of the RMF CED Loan Loan Provided by Rice Microfinance # of Beekeepers 12 Loan US$ 4,200 Recovered Outstanding US$ US$ 1,734 2,466 Recovered in % 41 Region Ishkoman Ishkoman Ishkoman Ishkoman Ishkoman Ishkoman Ishkoman Ishkoman Ishkoman Ishkoman Hunza Hunza Loan US$ 350 350 350 350 350 350 350 350 350 350 350 350 4,200 Recovered US$ 112 112 112 112 112 112 112 112 112 112 307 307 1,734 Outstanding US$ 238 238 238 238 238 238 238 238 238 238 43 43 2,466

r 31, 2011
# of Hives Honey Production Kg

3 3 3 3 3 3 3 3 3 3 2 2
34

24 24 24 24 24 24 24 24 24 24 16 16
272

Rice Microfinance Program (RMF) CED loan September 2011

S. No 1 2 3 4 5 6 7 8 9 10 11 12 Name Jurbas bibi Zarmurah Shamim Gamburi Haleema Bibi Alam Bano Kharoor Soni Gul Nisa Zareen Taj Meher Bano Haji bibi Total Summary of the CED Loan Loan Provided by RMF # of beneficiaries 12 Loan Recovered Outstanding Recovered US$ US$ US$ in % 4,200 1,734 2,466 41 Village Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Momin abad Momin abad Region Ishkoman Ishkoman Ishkoman Ishkoman Ishkoman Ishkoman Ishkoman Ishkoman Ishkoman Ishkoman Hunza Hunza Loan US$ 350 350 350 350 350 350 350 350 350 350 350 350 4,200 Recovere US$ 112 112 112 112 112 112 112 112 112 112 307 307 1,734 Outstan # of ding Hives US$ 238 3 238 3 238 3 238 3 238 3 238 3 238 3 238 3 238 3 238 3 43 2 43 2 2,466 34

Honey Production Kg

24 24 24 24 24 24 24 24 24 24 16 16
272

Owl MF CED Flood Status September 2010

S. No 1 2 3 4 5 6 7 8 9 10 11 12 Name Jurbus Bibi Zarmurah Shameem Zareen Taj Haleema Bibi Alam Bano Meher Bano Gamburi Kharoor Gul Nisa Haji Bibi Village Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Mominabad Chatorkhand Dain Dain Mominabad Total Region Ishkoman Ishkoman Ishkoman Ishkoman Ishkoman Ishkoman Ishkoman Hunza Ishkoman Ishkoman Ishkoman Hunza Loan US$ 350 350 350 350 350 350 350 350 350 350 350 350 4200 Number of Beehives Before Floods 4 4 4 4 4 4 4 4 4 4 4 4 48

Note: unit cost of single bee hive @ 9000 PKR US$ conversion ratio @ 85

Number of Beehives Damaged by Floods 3 2 3 2 2 3 2 3 2 2 3 3 30

Honey production 0 0 0 0 0 0 0 0 0 0 0 0 0

US $ Grants required 318 212 318 212 212 318 212 318 212 212 318 318 3,180

Honey Collection Details as

S. No 1 2 3 4 5 6 7 8 9 10 11 12 Name Jurbus Bibi Zarmurah Shameem Zareen Taj Haleema Bibi Alam Bano Meher Bano Gamburi Kharoor Gul Nisa Haji Bibi Village Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Mominabad Chatorkhand Dain Dain Mominabad Total Region Ishkoman Ishkoman Ishkoman Ishkoman Ishkoman Ishkoman Ishkoman Hunza Ishkoman Ishkoman Ishkoman Hunza Loan US$ 350 350 350 350 350 350 350 350 350 350 350 350 4200 Receivable Honey kg 101.38 101.38 101.38 101.38 101.38 101.38 101.38 101.38 101.38 101.38 101.38 101.38 1216.55 1st Inst in US$ 73.5 73.5 73.5 73.5 73.5 73.5 73.5 73.5 73.5 73.5 73.5 73.5 882

Honey Collection Details as on August 30, 2010

Receivable honey 1st inst 20.28 20.28 20.28 20.28 20.28 20.28 20.28 20.28 20.28 20.28 20.28 20.28 243.31 Received honey (kg) 4.9 4.9 4.9 4.9 4.9 4.9 4.9 16.4 4.9 4.9 4.9 16.4 81.8 Per kg US$ 3.625 3.625 3.625 3.625 3.625 3.625 3.625 3.625 3.625 3.625 3.625 3.625 3.625 Amount US$ 18 18 18 18 18 18 18 59 18 18 18 59 296.525 Cash Total Received Received US$ US$ 0 18 0 18 0 18 0 18 0 18 0 18 0 18 0 59 0 18 0 18 0 18 0 59 0 296.525 1st Inst US$ 18 18 18 18 18 18 18 59 18 18 18 59 296.525 2nd Inst US$ 0 0 0 0 0 0 0 0 0 0 0 0 0 Default US$ 129 129 129 129 129 129 129 88 129 129 129 88 1467.475

Recoverable US$ to date 147 147 147 147 147 147 147 147 147 147 147 147 1764

Recovery % to date 12.08 12.08 12.08 12.08 12.08 12.08 12.08 40.44 12.08 12.08 12.08 40.44 16.81

OWL MF Status of Loan Recovery as June 2010

S. No 1 2 3 4 5 6 7 8 9 10 11 12 Name Jurbus Bibi Zarmurah Shameem Zareen Taj Haleema Bibi Alam Bano Meher Bano Gamburi Kharoor Gul Nisa Haji Bibi G Total Village Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Momin abad Momin abad Total Recoverable Loan with 5% 29400 29400 29400 29400 29400 29400 29400 29400 29400 29400 29400 29400 352800 Source of Financing OMF OMF OMF OMF OMF OMF OMF OMF OMF OMF OMF OMF 0 Target (Amount in Target (Amount in PK Rs) (May 25$) (May 25-30) 30) 5880 73.5 5880 73.5 5880 73.5 5880 73.5 5880 73.5 5880 73.5 5880 73.5 5880 73.5 5880 73.5 5880 73.5 5880 73.5 5880 73.5 70560 882 Receivable Honey (Kg) 20.3 20.3 20.3 20.3 20.3 20.3 20.3 20.3 20.3 20.3 20.3 20.3 243.31 Received Honey (Kg) 4.9 4.9 4.9 4.9 4.9 4.9 4.9 4.9 4.9 4.9 16.4 16.4 81.8 Received amount (PKR) 1421 1421 1421 1421 1421 1421 1421 1421 1421 1421 4756 4756 23722 Variance Received Recovery % amount (US$) Honey (kg) Amount (PKR) Amount (US $) 17.8 15.4 4459 55.74 24.17 17.8 15.4 4459 55.74 24.17 17.8 15.4 4459 55.74 24.17 17.8 15.4 4459 55.74 24.17 17.8 15.4 4459 55.74 24.17 17.8 15.4 4459 55.74 24.17 17.8 15.4 4459 55.74 24.17 17.8 15.4 4459 55.74 24.17 17.8 15.4 4459 55.74 24.17 17.8 15.4 4459 55.74 24.17 59.5 3.9 1124 14.05 80.88 59.5 3.9 1124 14.05 80.88 296.5 161.51 46838 585.5 33.62

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

2010 Credit & Enterprise Development (CED) Expected Honey Production

Owl Micro Finance (OMF)
S. # 1 2 3 4 5 6 7 8 9 10 11 12 Name Jurbus Bibi Zarmurah Shameem Zareen Taj Haleema Bibi Alam Bano Meher Bano Gamburi Kharoor Gul Nisa Haji Bibi Village Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Mominabad Mominabad Region Ishkoman Ishkoman Ishkoman Ishkoman Ishkoman Ishkoman Ishkoman Ishkoman Ishkoman Ishkoman Hunza Hunza Previous 1 1 1 1 1 1 1 1 1 1 1 1 # of Hives New 3 3 3 3 3 3 3 3 3 3 3 3 Total 4 4 4 4 4 4 4 4 4 4 4 4

Expected honey forecas Previous 32 32 32 32 32 32 32 32 32 32 32 32

Prepared by:Khan Garee EDA HF GOG

oney Production
Expected honey forecast New Total 96 128 96 128 96 128 96 128 96 128 96 128 96 128 96 128 96 128 96 128 96 128 96 128

OWL MF Loan Return Schedule

S. No Name 1 2 3 4 5 6 7 8 9 10 11 12 Jurbus Bibi Zarmurah Shameem Zareen Taj Haleema Bibi Alam Bano Meher Bano Gamburi Kharoor Gul Nisa Haji Bibi Village Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Chatorkhand Momin abad Momin abad Loan 350 $ 350 $ 350 $ 350 $ 350 $ 350 $ 350 $ 350 $ 350 $ 350 $ 350 $ 350 $ Source of Financing OMF OMF OMF OMF OMF OMF OMF OMF OMF OMF OMF OMF 1st inst (US$) 2nd inst (US$) 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5%

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

urn Schedule
3rd inst (US$) 4th inst (US$) 5th inst (US$) Total Amount (US$) 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 70 $ + 5% 350 $ +5% 350 $ +5% 350 $ +5% 350 $ +5% 350 $ +5% 350 $ +5% 350 $ +5% 350 $ +5% 350 $ +5% 350 $ +5% 350 $ +5% 350 $ +5%

ut/beehives,