| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.orixpakistan.com |
| Year established | 1986 |
| Head of Institution | Mr. Teizoon Kisat |
| Regions active | Punjab, Sindh |
| # Branches | 8 |
| Total Portfolio (nat'l) | PKR 357,434,488 |
| Total Portfolio (USD) | USD 3,510,006.67 |
| Active clients with loans | 21,415 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | Pakistan Microfinance Network (PMN) |
| Funders | Pakistan Poverty Alleviation Fund (PPAF) |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.asomi.co.in/ |
| Year established | 2008 |
| Head of Institution | Subhrajyoti Bharali |
| Regions active | |
| # Branches | 50 |
| Total Portfolio (nat'l) | INR 251,500,000 |
| Total Portfolio (USD) | USD 4,745,283.02 |
| Active clients with loans | 50,326 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Microcredit Productive Loans | PKR 20,000 - 50,000 | 12 | 100% | 20% - 40% | Business | Women | ||||||||
| NGO Linkages | PKR 10,000 - 50,000 | 12 | 60% - 80% | 60% - 80% | Business | Women, Men |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Entrepreneurship Development Loan | INR 25,000 - 50,000 | 10 - 12 | 0% - 20% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Credit Ins, Tech Asst Visits, Business Training | |||||||
| SHG Loan | INR 5,000 - 25,000 | 12 | 60% - 80% | 0% - 20% | Business | Women | Group Mtgs, Tech Asst Visits, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Microcredit Productive Loans | 20.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 38.6% - 40.1% | 39.8% - 41.7% | 49 | ||||||||
| NGO Linkages | 12.0% annual, Flat | 0 Fees | 0 Ins | None | N/A | 21.3% | 21.3% | 56 |
| Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Entrepreneurship Development Loan | 0% | 33% | 45.6% | N/A | ||||||||||
| SHG Loan | 0% | 28.8% - 29.2% | 39.4% - 40.7% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Entrepreneurship Development Loan | 16.0% annual, Flat | 1 Fee | 1 Ins | None | 15.0% upfront | 33% | 45.6% | 35 | ||||||||
| SHG Loan | 15.0% annual, Flat | 1 Fee | 1 Ins | None | 15.0% upfront | 28.8% - 29.2% | 39.4% - 40.7% | 37 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Microcredit Productive Loans | 20.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 38.6% - 40.1% | 39.8% - 41.7% | 49 | ||||||||
| NGO Linkages | 12.0% annual, Flat | 0 Fees | 0 Ins Ins | None | N/A | 21.3% | 21.3% | 56 |
| Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Entrepreneurship Development Loan | 0% | 33% | 45.6% | N/A | ||||||||||
| SHG Loan | 0% | 28.8% - 29.2% | 39.4% - 40.7% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Entrepreneurship Development Loan | 16.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 15.0% upfront | 33% | 45.6% | 35 | ||||||||
| SHG Loan | 15.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 15.0% upfront | 28.8% - 29.2% | 39.4% - 40.7% | 37 |
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