2010 Credit & Enterprise Development (CED) Expected Honey Production

University of St. Thomas Microcredit Program (UST MCP)

# of Hives Expected honey forecas
S. # Name Village Region
Previous New Total Previous

1 Shamim Arra Danyore Gilgit 5 5 10 160

2 Rashida Bibi Oshikhandas Gilgit 3 5 8 96
3 Farida Imtiaz Oshikhandas Gilgit 20 5 25 640
4 Taj Gul Mominabad Hunza 1 5 6 32
5 Amina Danyore Gilgit 5 5 10 160
6 Shadana Mominabad Hunza 1 5 6 32
7 Gul Aftab Mominabad Hunza 1 5 6 32
8 Meher Paveen Danyore Gilgit 20 5 25 640
9 Yasmeen Bano Mominabad Hunza 1 5 6 32
10 Shukrat Bibi Mominabad Hunza 1 5 6 32
11 Gul Zadi Mominabad Hunza 1 5 6 32
12 Mahoot Mominabad Hunza 1 5 6 32
13 Skim Bano Oshikhandas Gilgit 2 5 7 64
14 Gul Sori Mominabad Hunza 1 5 6 32
15 Soni Danyore Gilgit 5 5 10 160
16 Jubli Bano Murtazabad Hunza 1 5 6 32
17 Hussen Danyore Gilgit 10 5 15 320
18 Naseem Bano Oshikhandas Gilgit 3 5 8 96
19 Taj Begum Danyore Gilgit 1 5 6 32
20 Neak Bano Danyore Gilgit 7 5 12 224

Prepared by: Garee Khan

EDA HF GOG
Honey Production
MCP)
Expected honey forecast

New Total

160 320
160 256
160 800
160 192
160 320
160 192
160 192
160 800
160 192
160 192
160 192
160 192
160 224
160 192
160 320
160 192
160 480
160 256
160 192
160 384
 UST MCP Loan Return Schedule
Source of
S. No Name Village Loan 1st inst (US$) 2nd inst (US$)
Financing
1 Shamim Arra Danyore 500 $ UST MCP 167 $ +5% 167 $ +5%
2 Rashida Bibi Oshikhandass 500 $ UST MCP 167 $ +5% 167 $ +5%
3 Farida Imtaz Oshikhandass 500 $ UST MCP 167 $ +5% 167 $ +5%
4 Taj Gul Mominabad UST MCP 100 $ +5% 100 $ +5%
5 Amina Danyore 500 $ UST MCP 167 $ +5% 167 $ +5%
6 Shahdana Mominabad 500 $ UST MCP 100 $ +5% 100 $ +5%
7 Gul Aftab Mominabad 500 $ UST MCP 100 $ +5% 100 $ +5%
8 Meher Parveen Danyore 500 $ UST MCP 167 $ +5% 167 $ +5%
9 Yasmeen Bano Mominabad 500 $ UST MCP 100 $ +5% 100 $ +5%
10 Shukrat Bibi Mominabad 500 $ UST MCP 100 $ +5% 100 $ +5%
11 Gul Zadi Mominabad 500 $ UST MCP 100 $ +5% 100 $ +5%
12 Mahoot Mominabad 500 $ UST MCP 100 $ +5% 100 $ +5%
13 Skim Bano Oshikhandass 500 $ UST MCP 167 $ +5% 167 $ +5%
14 Gul Sori Mominabad 500 $ UST MCP 100 $ +5% 100 $ +5%
15 Soni Danyore 500 $ UST MCP 167 $ +5% 167 $ +5%
16 Taj Begum Danyore 500 $ UST MCP 167 $ +5% 167 $ +5%
17 Jubli Bano Danyore 500 $ UST MCP 167 $ +5% 167 $ +5%
18 Hussen Danyore 500 $ UST MCP 167 $ +5% 167 $ +5%
19 Nasim Bano Oshikhandass 500 $ UST MCP 167 $ +5% 167 $ +5%
20 Neak Bano Danyore 500 $ UST MCP 167 $ +5% 167 $ +5%
turn Schedule

3rd inst (US$) 4th inst (US$) 5th inst (US$) Total Amount (US$)
167 $ +5% - - 500 $ +5%
167 $ +5% - - 500 $ +5%
167 $ +5% - - 500 $ +5%
100 $ +5% 100 $ +5% 100 $ +5% 500 $ +5%
167 $ +5% - - 500 $ +5%
100 $ +5% 100 $ +5% 100 $ +5% 500 $ +5%
100 $ +5% 100 $ +5% 100 $ +5% 500 $ +5%
167 $ +5% - - 500 $ +5%
100 $ +5% 100 $ +5% 100 $ +5% 500 $ +5%
100 $ +5% 100 $ +5% 100 $ +5% 500 $ +5%
100 $ +5% 100 $ +5% 100 $ +5% 500 $ +5%
100 $ +5% 100 $ +5% 100 $ +5% 500 $ +5%
167 $ +5% - - 500 $ +5%
100 $ +5% 100 $ +5% 100 $ +5% 500 $ +5%
167 $ +5% - - 500 $ +5%
167 $ +5% - - 500 $ +5%
167 $ +5% - - 500 $ +5%
167 $ +5% - - 500 $ +5%
167 $ +5% - - 500 $ +5%
167 $ +5% - - 500 $ +5%
 UST MCP Status of Loan Recovery June 2010
Target (Amount in Variance
Total Recoverable Source of Target (Amount in $) Receivable Honey Received Received Received
S. No Name Village PK Rs) (May 25- Recovery %
Loan with 5% Financing (May 25-30) (Kg) Honey (Kg) amount (PKR) amount (US$) Honey (kg) Amount (PKR) Amount (US $)
30)
1 Shamim Arra Danyore 42000 UST MCP 14000 175 48.3 Cash 14000 175.0 0.0 0 0.00 100.00
2 Rashida Bano Oshikhandass 42000 UST MCP 14000 175 48.3 22.5 6525 81.6 25.8 7475 93.44 46.61
3 Farida Imtiaz Oshikhandass 42000 UST MCP 14000 175 48.3 26 7540 94.3 22.3 6460 80.75 53.86
4 Taj Gul Mominabad 42000 UST MCP 8400 105 29.0 16.4 4756 59.5 12.6 3644 45.55 56.62
5 Amina Danyore 42000 UST MCP 14000 175 48.3 48.3 14007 175.1 0.0 0 0.00 100.05
6 Shahdana Mominabad 42000 UST MCP 8400 105 29.0 16.4 4756 59.5 12.6 3644 45.55 56.62
7 Gul Aftab Mominabad 42000 UST MCP 8400 105 29.0 16.4 4756 59.5 12.6 3644 45.55 56.62
8 Meher Parvar Danyore 42000 UST MCP 14000 175 48.3 0 0 0.0 48.3 14000 175.00 0.00
9 Yasmeen Bano Mominabad 42000 UST MCP 8400 105 29.0 16.4 4756 59.5 12.6 3644 45.55 56.62
10 Shukrat Bibi Mominabad 42000 UST MCP 8400 105 29.0 16.4 4756 59.5 12.6 3644 45.55 56.62
11 Gul Zadi Mominabad 42000 UST MCP 8400 105 29.0 16.4 4756 59.5 12.6 3644 45.55 56.62
12 Mahoot Mominabad 42000 UST MCP 8400 105 29.0 16.4 4756 59.5 12.6 3644 45.55 56.62
13 Skim Bano Oshikhandass 42000 UST MCP 14000 175 48.3 30 8700 108.8 18.3 5300 66.25 62.14
14 Gul Sori Mominabad 42000 UST MCP 8400 105 29.0 16.4 4756 59.5 12.6 3644 45.55 56.62
15 Soni Danyore 42000 UST MCP 14000 175 48.3 48.3 14007 175.1 0.0 0 0.00 100.05
16 Jubli Bano Danyore 42000 UST MCP 14000 175 48.3 48.3 14007 175.1 0.0 0 0.00 100.05
17 Taj Begum Danyore 42000 UST MCP 14000 175 48.3 Cash 14000 175.0 0.0 0 0.00 100.00
18 Hussen Danyore 42000 UST MCP 14000 175 48.3 48.3 14007 175.1 0.0 0 0.00 100.05
19 Nasim Bano Oshikhandass 42000 UST MCP 14000 175 48.3 30 8700 108.8 18.3 5300 66.25 62.14
20 Neak Bano Danyore 42000 UST MCP 14000 175 48.3 29 8410 105.1 19.3 5590 69.88 60.07
G Total 714000 0 193200 2415 666.21 413.4 133886 1673.6 204.53 59342 741.8 69.30

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
 Honey Collection Details Au

Receivable 1st Inst in Receivable

S. No Name Village Region Loan US$
Honey kg US$ honey 1st inst

1 Shamim Arra Danyore Gilgit 500 144.83 175 48.37

2 Rashida Bibi Oshikhandass Gilgit 500 144.83 175 48.37
3 Farida Imtiaz Oshikhandass Gilgit 500 144.83 175 48.37
4 Taj Gul Mominabad Hunza 500 144.83 175 28.97
5 Amina Danyore Gilgit 500 144.83 175 48.37
6 Shahdana Mominabad Hunza 500 144.83 175 28.97
7 Gul Aftab Mominabad Hunza 500 144.83 175 28.97
8 Meher Parveen Danyore Gilgit 500 144.83 175 48.37
9 Yasmin Bano Mominabad Hunza 500 144.83 175 28.97
10 Shukrat Bibi Mominabad Hunza 500 144.83 175 28.97
11 Gul Zadi Mominabad Hunza 500 144.83 175 28.97
12 Mahoot Mominabad Hunza 500 144.83 175 28.97
13 Skim Bano Oshikhandass Gilgit 500 144.83 175 48.37
14 Gul Sori Mominabad Hunza 500 144.83 175 28.97
15 Soni Danyore Gilgit 500 144.83 175 48.37
16 Taj Begum Danyore Gilgit 500 144.83 175 48.37
17 Jubli Begum Danyore Gilgit 500 144.83 175 48.37
18 Hussun Danyore Gilgit 500 144.83 175 48.37
19 Nasim Bano Oshikhandass Gilgit 500 144.83 175 48.37
20 Neik Bano Danyore Gilgit 500 144.83 175 48.37
Total 10000 2896.5517241 3500 812.1931034483
lection Details August 30, 2010
Cash Total
Received Per kg Amount 1st Inst 2nd Inst Default Recoverable US$
Received Received
honey (kg) US$ US$ US$ US$ US$ to date
US$ US$
32.5 3.625 118 175 293 175 118 57 350
56.5 3.625 205 0 205 175 30 145 350
26 3.625 94 81 175 175 0 175 350
16.4 3.625 59 0 59 59 0 291 350
48.3 3.625 175 0 175 175 0 175 350
16.4 3.625 59 0 59 59 0 291 350
16.4 3.625 59 0 59 59 0 291 350
0 3.625 0 0 0 0 0 350 350
16.4 3.625 59 0 59 59 0 291 350
16.4 3.625 59 0 59 59 0 291 350
16.4 3.625 59 0 59 59 0 291 350
16.4 3.625 59 0 59 59 0 291 350
30 3.625 109 66 175 175 0 175 350
16.4 3.625 59 0 59 59 0 291 350
48 3.625 174 1 175 175 0 175 350
0 3.625 0 175 175 175 0 175 350
48.3 3.625 175 0 175 175 0 175 350
48.3 3.625 175 0 175 175 0 175 350
48.5 3.625 176 0 176 175 1 174 350
29 3.625 105 188 293 175 118 57 350
546.6 3.625 1981.313 685.5 2666.81 2398.35 268.4625 4333.188 7000
Recovery
% to date

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 CED Floods Status September 2010

Number of Beehives
S. No Name Village Region Loan US$ Before Floods

1 Shamim Arra Danyore Gilgit 500 10

2 Rashida Bibi Oshikhandass Gilgit 500 8
3 Farida Imtiaz Oshikhandass Gilgit 500 25
4 Taj Gul Mominabad Hunza 500 6
5 Amina Danyore Gilgit 500 10
6 Shahdana Mominabad Hunza 500 6
7 Gul Aftab Mominabad Hunza 500 6
8 Meher Parveen Danyore Gilgit 500 25
9 Yasmin Bano Mominabad Hunza 500 6
10 Shukrat Bibi Mominabad Hunza 500 6
11 Gul Zadi Mominabad Hunza 500 6
12 Mahoot Mominabad Hunza 500 6
13 Skim Bano Oshikhandass Gilgit 500 7
14 Gul Sori Mominabad Hunza 500 6
15 Soni Danyore Gilgit 500 10
16 Taj Begum Danyore Gilgit 500 6
17 Jubli Begum Danyore Gilgit 500 15
18 Hussun Danyore Gilgit 500 8
19 Nasim Bano Oshikhandass Gilgit 500 6
20 Neik Bano Danyore Gilgit 500 12
Total 10000 190

Note: unit cost of single bee hive @ 9000 PKR

US$ conversion ratio @ 85
Status September 2010

Number of Beehives
Honey production US $ Grants
Damaged by Floods required

6 30 636
4 20 424
14 100 1484
4 20 424
7 60 742
4 10 424
4 10 424
8 50 848
4 8 424
4 10 424
3 0 318
2 0 212
3 30 318
3 10 318
4 15 424
2 0 212
7 40 742
3 12 318
3 10 318
7 30 742
96 465 10,176