| 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 | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.pomicro.com |
| Year established | 2006 |
| Head of Institution | Munawar Suleman |
| Regions active | Balochistan, Islambad Capital Territory, Khyber Pakhtunkwa, Punjab, Sindh |
| # Branches | 21 |
| Total Portfolio (nat'l) | PKR 153,889,476 |
| Total Portfolio (USD) | USD 1,570,300.78 |
| Active clients with loans | 11,618 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | |
| Funders |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro Enterprise Loan | PKR 20,000 - 150,000 | 12 - 36 | 0% - 20% | 80% - 100% | Business, Agriculture | Women, Men, Have business | ||||||||
| Micro Business Loan | PKR 10,000 - 40,000 | 12 - 24 | 20% - 40% | 40% - 60% | Business | Women, Men, Have business | ||||||||
| Micro Asset Loan | PKR 10,000 - 40,000 | 12 - 24 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business | ||||||||
| Micro Agri Loan | PKR 20,000 - 40,000 | 6 - 18 | 0% - 20% | 0% - 20% | Agriculture | Women, Men, Have business | ||||||||
| Live Stock Loan | PKR 10,000 - 40,000 | 6 - 24 | 20% - 40% | 0% - 20% | Business | Women, Men, Have business |
| 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 | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro Enterprise Loan | 34.5%-37.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 10.0% upfront | 38.8% - 40% | 45.8% - 47.7% | N/A | ||||||||
| Micro Business Loan | 34.5%-37.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 10.0% upfront | 39.7% - 41.9% | 47.4% - 50.3% | N/A | ||||||||
| Micro Asset Loan | 34.5%-37.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 10.0% upfront | 39.5% - 39.7% | 47% - 47.6% | N/A | ||||||||
| Micro Agri Loan | 34.5%-37.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 10.0% upfront | 32.6% - 36.9% | 35.7% - 40.6% | N/A | ||||||||
| Live Stock Loan | 34.5%-37.0% annual, Decl Bal | 1 Fee | 0 Ins | None | None | 39.6% - 39.7% | 47.2% - 47.5% | N/A |
| 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 | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro Enterprise Loan | 34.5%-37.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 10.0% upfront | 38.8% - 40% | 45.8% - 47.7% | N/A | ||||||||
| Micro Business Loan | 34.5%-37.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 10.0% upfront | 39.7% - 41.9% | 47.4% - 50.3% | N/A | ||||||||
| Micro Asset Loan | 34.5%-37.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 10.0% upfront | 39.5% - 39.7% | 47% - 47.6% | N/A | ||||||||
| Micro Agri Loan | 34.5%-37.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 10.0% upfront | 32.6% - 36.9% | 35.7% - 40.6% | N/A | ||||||||
| Live Stock Loan | 34.5%-37.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | None | 39.6% - 39.7% | 47.2% - 47.5% | N/A |
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