2. OIBM
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  2. BRAC^P
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Institution

Opportunity Bank of Malawi Private Bag A71Lilongwe, Central
Data approved: 2012-11-29
Data version: 2
Age of data: 136 months
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Institution

BRAC PAKISTAN House # 397, Street # 13, Sector # F-10/2, Islamabad,PakistanIslamabad, Capital4600
Data approved: 2015-04-30
Data version: 1
Age of data: 107 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.oibm.mw/
Year established2003
Head of InstitutionCosmus Kowuoche
Regions activeDedza, Dowa, Kasungu, Lilongwe, Mchinji, Nkhotakota, Salima, ChitipaKaronga, Mzimba, Nkhata Bay, Rumphi, Blantyre, ChikwawaMangochi, Mulanje
# Branches33

Total Portfolio (nat'l)MWK 3,598,720,264
Total Portfolio (USD)USD 9,227,487.86
Active clients with loans52,649
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsOpportunity International, MAMN, Bankers Association of Malawi
FundersOpportunity Transformation Investment, Opportunity Microfinance Investment, Trust for Transformation, Africap

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.brac.net
Year established2007
Head of InstitutionMuzaffar Ud Din
Regions activeBalochistan, Punjab, Sindh
# Branches68

Total Portfolio (nat'l)PKR 1,208,660,663
Total Portfolio (USD)USD 11,869,047.71
Active clients with loans57,376
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliationsPakistan Microfinance Network, Micro Watch, Mix Market
FundersPakistan Poverty Allivation Fund (PPAF), KIVA

Loan Products » Summary

Agriculture
10,659 Borrowers
USD 1,894,842.67 Portfolio
Active Product
Maziko
34,795 Borrowers
USD 1,628,382.90 Portfolio
Active Product
Mzati
2,306 Borrowers
USD 1,668,409 Portfolio
Active Product
Payroll
3,548 Borrowers
USD 1,315,788.54 Portfolio
Active Product

Loan Products » Summary

Micro
53,850 Borrowers
USD 10,301,355.44 Portfolio
Active Product
SME
1,204 Borrowers
USD 1,131,521.12 Portfolio
Active Product
Agri
2,322 Borrowers
USD 436,171.15 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan MWK 200,000 - 50,000,000 3 - 48 20% - 40% 0% - 20% Business Women, Men, Running a farming enterprise Credit Educ, Group Mtgs, Credit Ins, Business Training
Masiko (Group) Loan MWK 140,000 - 2,800,000 4 - 9 40% - 60% 20% - 40% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training
Mzati (Individual) Loan MWK 50,000 - 1,000,000 3 - 12 40% - 60% 40% - 60% Business Women, Men, Have business, Have home or land, Must have assets as collateral Credit Educ, Credit Ins, Business Training, Other Training, Social Issues Training (HIV/AIDS, Gender, Vision Building),, Mthunzi (Shelter) Insurance
Payroll Loan MWK 15,000 - 4,000,000 3 - 48 20% - 40% 40% - 60% Any Purpose Women, Men, Salaried worker, Age must be above 18 years Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Micro Finance PKR 20,000 - 150,000 6 - 12 100% 40% - 60% Business, Agriculture Women Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
Small Enterpirise Programme (SEP) PKR 150,000 - 500,000 6 - 12 0% - 20% 80% - 100% Business, Agriculture Women, Men, Have business Credit Educ, Tech Asst Visits, Business Training, Other Training
Agriculture PKR 20,000 - 150,000 6 - 12 0% 0% - 20% Agriculture Men Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 37.00%-40.00% annual, Decl Bal 1 Fee 0 Ins None 15.00% upfront 33.6% - 33.9% 38.7% - 39% 95
Masiko (Group) Loan 48.75% annual, Flat 1 Fee 0 Ins None 15.00% upfront 72.5% - 74.7% 90.5% - 94.1% 52
Mzati (Individual) Loan 42.00% annual, Flat 2 Fees 1 Ins None 15.00% upfront 70% - 111.5% 92.3% - 144.5% 39
Payroll Loan 45.00% annual, Decl Bal 1 Fee 0 Ins None N/A 34.7% - 45.7% 34.7% - 45.7% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Finance 22.0% annual, Flat 1 Fee 0 Ins None 10.0% upfront 34.1% - 38.4% 40.1% - 45.9% 51
Small Enterpirise Programme (SEP) 22.0% annual, Flat 1 Fee 0 Ins None N/A 36.6% 43.8% 50
Agriculture 20.0% annual, Flat 1 Fee 0 Ins None N/A 29.4% - 32.3% 34.2% - 38.1% 53

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 37.00%-40.00% annual, Decl Bal 1 Fee 0 Ins Ins None 15.00% upfront 33.6% - 33.9% 38.7% - 39% 95
Masiko (Group) Loan 48.75% annual, Flat 1 Fee 0 Ins Ins None 15.00% upfront 72.5% - 74.7% 90.5% - 94.1% 52
Mzati (Individual) Loan 42.00% annual, Flat 2 Fees 1 Ins Ins None 15.00% upfront 70% - 111.5% 92.3% - 144.5% 39
Payroll Loan 45.00% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 34.7% - 45.7% 34.7% - 45.7% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Finance 22.0% annual, Flat 1 Fee 0 Ins Ins None 10.0% upfront 34.1% - 38.4% 40.1% - 45.9% 51
Small Enterpirise Programme (SEP) 22.0% annual, Flat 1 Fee 0 Ins Ins None N/A 36.6% 43.8% 50
Agriculture 20.0% annual, Flat 1 Fee 0 Ins Ins None N/A 29.4% - 32.3% 34.2% - 38.1% 53
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Key Statistics
# Samples:
# Products
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# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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