University St. Thomas SEP CED Loan Status December 31, 2011

S. No Name Village Region Loan Recovered

US$ US$

1 Farida Begum Oshikhandass Gilgit 500 500

2 Skim Bano Oshikhandass Gilgit 500 310

3 Bibi Naseem Oshikhandass Gilgit 500 500

4 Bibi Rashida Oshikhandass Gilgit 500 500

5 Bibi Amina Danyore Gilgit 500 333

6 Shamim Ara Danyore Gilgit 500 500

7 Soni Danyore Gilgit 500 500

8 Husun Bano Danyore Gilgit 500 500

9 Jubli Bano Danyore Gilgit 500 500

10 Taj Mehal Danyore Gilgit 500 500

11 Meher Parveen Mohd abad Gilgit 500 167

12 Naik Bano Mohd abad Gilgit 500 393

13 Taj bibi Mominabad Hunza 500 307

14 Shahdana Mominabad Hunza 500 307

15 Gul Amdam Mominabad Hunza 500 307

16 Yasmeen Bano Mominabad Hunza 500 307

17 Gul Zadi Mominabad Hunza 500 307

18 Mahoot Mominabad Hunza 500 307

19 Gul Sori Mominabad Hunza 500 307

20 Shukrat bibi Mominabad Hunza 500 307

Total 10,000 7,659

Summary CED Loan

Loan Provided by # of Beekeepers Loan Recovered Outstanding

US$ US$ US$

SEP UST 20 10,000 7,659 2,341

University St. Thomas SEP CED Loan Status December 31, 2011

Outstanding # of Hives

US$ Kg

0 20 160190 10 80

0 15 1200 5 40

167 5 400 15 1200 20 1600 20 1600 12 960 8 64

333 25 200107 4 32193 2 16193 2 16193 2 16193 2 16193 2 16193 2 16193 2 16193 2 16

2,341 175 1,400

Recovered

in %

77

Honey Production

University St. Thomas SEP CED Loan Status September 2011

S. No Name Village Region Loan Recovered Outstanding

US$ US$ US$

1 Farida Begum Oshikhandass Gilgit 500 500 0

2 Skim Bano Oshikhandass Gilgit 500 250 250

3 Bibi Naseem Oshikhandass Gilgit 500 167 333

4 Bibi Rashida Oshikhandass Gilgit 500 338 162

5 Bibi Amina Danyore Gilgit 500 331 169

6 Shamim Ara Danyore Gilgit 500 500 0

7 Soni Danyore Gilgit 500 500 0

8 Husun Bano Danyore Gilgit 500 489 11

9 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 # of beneficiariesLoan Recovered Outstanding Recovered

US$ US$ US$ in %

SEP UST 20 10,000 6,920 3,080 69

UST MCP CED Beehives Status

No Name Village Region Loan US$

1 Shamim Arra Danyore Gilgit 500 10 6 636

2 Rashida Bibi Oshikhandass Gilgit 500 8 4 424

3 Farida Imtiaz Oshikhandass Gilgit 500 25 14 1484

4 Taj Gul Mominabad Hunza 500 6 4 424

5 Amina Danyore Gilgit 500 10 7 742

6 Shahdana Mominabad Hunza 500 6 4 424

7 Gul Aftab Mominabad Hunza 500 6 4 424

8 Meher Parveen Danyore Gilgit 500 25 8 848

9 Yasmin Bano Mominabad Hunza 500 6 4 424

10 Shukrat Bibi Mominabad Hunza 500 6 4 424

11 Gul Zadi Mominabad Hunza 500 6 3 318

12 Mahoot Mominabad Hunza 500 6 2 212

13 Skim Bano Oshikhandass Gilgit 500 7 3 318

14 Gul Sori Mominabad Hunza 500 6 3 318

15 Soni Danyore Gilgit 500 10 4 424

16 Taj Begum Danyore Gilgit 500 6 2 212

17 Jubli Begum Danyore Gilgit 500 15 7 742

18 Hussun Danyore Gilgit 500 8 3 318

19 Nasim Bano Oshikhandass Gilgit 500 6 3 318

20 Neik Bano Danyore Gilgit 500 12 7 742

Total $10,000 190 96 10,176

Note: unit cost of single bee hive @ 9000 PKR

US$ conversion ratio @ 85

Number of Beehives Before Floods

Number of Beehives Damaged by Floods

US $ Grants

required

Honey Collection and Loan Reimbusement Details August 30, 2010

S. No Name Village Region

1 Shamim Arra Danyore Gilgit 500 144.83 175 48.37 32.5 3.625 118 175 293 1752 Rashida Bibi Oshikhandass Gilgit 500 144.83 175 48.37 56.5 3.625 205 0 205 1753 Farida Imtiaz Oshikhandass Gilgit 500 144.83 175 48.37 26 3.625 94 81 175 1754 Taj Gul Mominabad Hunza 500 144.83 175 28.97 16.4 3.625 59 0 59 595 Amina Danyore Gilgit 500 144.83 175 48.37 48.3 3.625 175 0 175 1756 Shahdana Mominabad Hunza 500 144.83 175 28.97 16.4 3.625 59 0 59 597 Gul Aftab Mominabad Hunza 500 144.83 175 28.97 16.4 3.625 59 0 59 598 Meher Parveen Danyore Gilgit 500 144.83 175 48.37 0 3.625 0 0 0 09 Yasmin Bano Mominabad Hunza 500 144.83 175 28.97 16.4 3.625 59 0 59 59

10 Shukrat Bibi Mominabad Hunza 500 144.83 175 28.97 16.4 3.625 59 0 59 5911 Gul Zadi Mominabad Hunza 500 144.83 175 28.97 16.4 3.625 59 0 59 5912 Mahoot Mominabad Hunza 500 144.83 175 28.97 16.4 3.625 59 0 59 5913 Skim Bano Oshikhandass Gilgit 500 144.83 175 48.37 30 3.625 109 66 175 17514 Gul Sori Mominabad Hunza 500 144.83 175 28.97 16.4 3.625 59 0 59 5915 Soni Danyore Gilgit 500 144.83 175 48.37 48 3.625 174 1 175 17516 Taj Begum Danyore Gilgit 500 144.83 175 48.37 0 3.625 0 175 175 17517 Jubli Begum Danyore Gilgit 500 144.83 175 48.37 48.3 3.625 175 0 175 17518 Hussun Danyore Gilgit 500 144.83 175 48.37 48.3 3.625 175 0 175 17519 Nasim Bano Oshikhandass Gilgit 500 144.83 175 48.37 48.5 3.625 176 0 176 17520 Neik Bano Danyore Gilgit 500 144.83 175 48.37 29 3.625 105 188 293 175

Total 10,000.00 2,896.55 3,500.00 812.19 546.60 3.62 1,981.31 685.50 2,666.81 2,398.35

Loan US$ Receivable Honey Kg

1st Inst in US$

Receivable Honey 1st

Inst

Received Honey (Kg)

Per kg US$

Amount US$

Cash Received

US$

Total Received

US$

1st Inst US$

Honey Collection and Loan Reimbusement Details August 30, 2010

118 57 350 83.6630 145 350 58.52

0 175 350 50.000 291 350 16.990 175 350 50.030 291 350 16.990 291 350 16.990 350 350 0.000 291 350 16.990 291 350 16.990 291 350 16.990 291 350 16.990 175 350 50.000 291 350 16.990 175 350 50.000 175 350 50.000 175 350 50.030 175 350 50.031 174 350 50.20

118 57 350 83.61268.46 4,333.18 7,000.00 38.10

1st / 2nd InstallmentDefault2,666.81 7,333.19

2nd Inst US$

Default US$

Recoverable US$ to date

Recovery % to date

UST MCP Status of Loan Recovery June 2010

S. No Name VillageVariance

Recovery % Honey (kg) Amount (PKR) Amount (US $)

1 Shamim Arra Danyore 42000 UST MCP 14000 175 48.3 Cash 14000 175.0 0.0 0 0.00 100.002 Rashida Bano Oshikhandass 42000 UST MCP 14000 175 48.3 22.5 6525 81.6 25.8 7475 93.44 46.613 Farida Imtiaz Oshikhandass 42000 UST MCP 14000 175 48.3 26 7540 94.3 22.3 6460 80.75 53.864 Taj Gul Mominabad 42000 UST MCP 8400 105 29.0 16.4 4756 59.5 12.6 3644 45.55 56.625 Amina Danyore 42000 UST MCP 14000 175 48.3 48.3 14007 175.1 0.0 0 0.00 100.056 Shahdana Mominabad 42000 UST MCP 8400 105 29.0 16.4 4756 59.5 12.6 3644 45.55 56.627 Gul Aftab Mominabad 42000 UST MCP 8400 105 29.0 16.4 4756 59.5 12.6 3644 45.55 56.628 Meher Parvar Danyore 42000 UST MCP 14000 175 48.3 0 0 0.0 48.3 14000 175.00 0.009 Yasmeen Bano Mominabad 42000 UST MCP 8400 105 29.0 16.4 4756 59.5 12.6 3644 45.55 56.62

10 Mominabad 42000 UST MCP 8400 105 29.0 16.4 4756 59.5 12.6 3644 45.55 56.6211 Gul Zadi Mominabad 42000 UST MCP 8400 105 29.0 16.4 4756 59.5 12.6 3644 45.55 56.6212 Mahoot Mominabad 42000 UST MCP 8400 105 29.0 16.4 4756 59.5 12.6 3644 45.55 56.6213 Skim Bano Oshikhandass 42000 UST MCP 14000 175 48.3 30 8700 108.8 18.3 5300 66.25 62.1414 Gul Sori Mominabad 42000 UST MCP 8400 105 29.0 16.4 4756 59.5 12.6 3644 45.55 56.6215 Soni Danyore 42000 UST MCP 14000 175 48.3 48.3 14007 175.1 0.0 0 0.00 100.0516 Jubli Bano Danyore 42000 UST MCP 14000 175 48.3 48.3 14007 175.1 0.0 0 0.00 100.0517 Taj Begum Danyore 42000 UST MCP 14000 175 48.3 Cash 14000 175.0 0.0 0 0.00 100.0018 Hussen Danyore 42000 UST MCP 14000 175 48.3 48.3 14007 175.1 0.0 0 0.00 100.0519 Nasim Bano Oshikhandass 42000 UST MCP 14000 175 48.3 30 8700 108.8 18.3 5300 66.25 62.1420 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

Total Recoverable Loan with 5%

Source of Financing

Target (Amount in PK Rs) (May 25-

30)

Target (Amount in $) (May 25-30)

Receivable Honey (Kg)

Received Honey (Kg)

Received amount (PKR)

Received amount (US$)

Shukrat Bibi

UST MCP Loan Return Schedule

S. No Name Village Loan 1st inst (US$) 2nd inst (US$) 3rd inst (US$) 4th inst (US$) 5th inst (US$)

1 Shamim Arra Danyore 500 $ UST MCP 167 $ +5% 167 $ +5% 167 $ +5% - -2 Rashida Bibi Oshikhandass 500 $ UST MCP 167 $ +5% 167 $ +5% 167 $ +5% - -3 Farida Imtaz Oshikhandass 500 $ UST MCP 167 $ +5% 167 $ +5% 167 $ +5% - -4 Taj Gul Mominabad UST MCP 100 $ +5% 100 $ +5% 100 $ +5% 100 $ +5% 100 $ +5%5 Amina Danyore 500 $ UST MCP 167 $ +5% 167 $ +5% 167 $ +5% - -6 Shahdana Mominabad 500 $ UST MCP 100 $ +5% 100 $ +5% 100 $ +5% 100 $ +5% 100 $ +5%7 Gul Aftab Mominabad 500 $ UST MCP 100 $ +5% 100 $ +5% 100 $ +5% 100 $ +5% 100 $ +5%8 Meher Parveen Danyore 500 $ UST MCP 167 $ +5% 167 $ +5% 167 $ +5% - -9 Yasmeen Bano Mominabad 500 $ UST MCP 100 $ +5% 100 $ +5% 100 $ +5% 100 $ +5% 100 $ +5%

10 Shukrat Bibi Mominabad 500 $ UST MCP 100 $ +5% 100 $ +5% 100 $ +5% 100 $ +5% 100 $ +5%11 Gul Zadi Mominabad 500 $ UST MCP 100 $ +5% 100 $ +5% 100 $ +5% 100 $ +5% 100 $ +5%12 Mahoot Mominabad 500 $ UST MCP 100 $ +5% 100 $ +5% 100 $ +5% 100 $ +5% 100 $ +5%13 Skim Bano Oshikhandass 500 $ UST MCP 167 $ +5% 167 $ +5% 167 $ +5% - -14 Gul Sori Mominabad 500 $ UST MCP 100 $ +5% 100 $ +5% 100 $ +5% 100 $ +5% 100 $ +5%15 Soni Danyore 500 $ UST MCP 167 $ +5% 167 $ +5% 167 $ +5% - -16 Taj Begum Danyore 500 $ UST MCP 167 $ +5% 167 $ +5% 167 $ +5% - -17 Jubli Bano Danyore 500 $ UST MCP 167 $ +5% 167 $ +5% 167 $ +5% - -18 Hussen Danyore 500 $ UST MCP 167 $ +5% 167 $ +5% 167 $ +5% - -19 Nasim Bano Oshikhandass 500 $ UST MCP 167 $ +5% 167 $ +5% 167 $ +5% - -20 Neak Bano Danyore 500 $ UST MCP 167 $ +5% 167 $ +5% 167 $ +5% - -

Source of Financing

UST MCP Loan Return Schedule

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 ProductionUniversity of St. Thomas Microcredit Program (UST MCP)

S. # Name Village Region

# of Hives Expected honey forecast

New Total Previous

1 Shamim Arra Danyore Gilgit 5 5 10 1602 Rashida Bibi Oshikhandas Gilgit 3 5 8 963 Farida Imtiaz Oshikhandas Gilgit 20 5 25 6404 Taj Gul Mominabad Hunza 1 5 6 325 Amina Danyore Gilgit 5 5 10 1606 Shadana Mominabad Hunza 1 5 6 327 Gul Aftab Mominabad Hunza 1 5 6 328 Meher Paveen Danyore Gilgit 20 5 25 6409 Yasmeen Bano Mominabad Hunza 1 5 6 32

10 Shukrat Bibi Mominabad Hunza 1 5 6 3211 Gul Zadi Mominabad Hunza 1 5 6 3212 Mahoot Mominabad Hunza 1 5 6 3213 Skim Bano Oshikhandas Gilgit 2 5 7 6414 Gul Sori Mominabad Hunza 1 5 6 3215 Soni Danyore Gilgit 5 5 10 16016 Jubli Bano Murtazabad Hunza 1 5 6 3217 Hussen Danyore Gilgit 10 5 15 32018 Naseem Bano Oshikhandas Gilgit 3 5 8 9619 Taj Begum Danyore Gilgit 1 5 6 3220 Neak Bano Danyore Gilgit 7 5 12 224

Prepared by: Garee KhanEDA HF GOG

Previous

2010 Credit & Enterprise Development (CED) Expected Honey ProductionUniversity of St. Thomas Microcredit Program (UST MCP)

Expected honey forecast

New Total

160 320160 256160 800160 192160 320160 192160 192160 800160 192160 192160 192160 192160 224160 192160 320160 192160 480160 256160 192160 384