| 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 284,661,818 |
| Total Portfolio (USD) | USD 2,795,379.05 |
| Active clients with loans | 8,529 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | |
| Funders |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.rcdspk.org |
| Year established | 1998 |
| Head of Institution | Muhammad Murtaza |
| Regions active | Punjab |
| # Branches | 20 |
| Total Portfolio (nat'l) | PKR 443,135,230 |
| Total Portfolio (USD) | USD 4,521,788.06 |
| Active clients with loans | 31,965 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | PMN, PMFN, BWTP, PCP |
| Funders | PPAF, ASF, UNDP, Engro Foundation |
| 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 | Women, Men, Have business | ||||||||
| Micro Business Loan | PKR 10,000 - 40,000 | 12 - 24 | 20% - 40% | 40% - 60% | Business | Women, Men, Have business |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credit & Enterprise Development | PKR 5,000 - 75,000 | 12 | 80% - 100% | 20% - 40% | Business, Agriculture | Women, Men, Have business, Specific age group | Credit Educ, Group Mtgs, Business Training, Other Training | |||||||
| Enterprise Development Facility | PKR 70,000 - 150,000 | 18 | 60% - 80% | 20% - 40% | Business | Women, Men, Have business, Have home or land, Specific age group | Credit Educ, Group Mtgs, Business Training, Other Training | |||||||
| Live Stock Financing | PKR 40,000 - 100,000 | 18 | 80% - 100% | 20% - 40% | Business, Agriculture | Women, Men, Have business, Have home or land, Specific age group | Credit Educ, Group Mtgs, Business Training, Other Training | |||||||
| Strengthening Micro Enterprises | PKR 100,000 - 300,000 | 24 | 0% | 20% - 40% | Business, Agriculture | Women, Men, Have business, Have home or land, Specific age group | Credit Educ, Business Training, Other Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro Enterprise Loan | 35.5%-38.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 39.5% - 41.3% | 39.5% - 41.3% | 87 | ||||||||
| Micro Business Loan | 35.5%-38.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 38.6% - 41.3% | 38.6% - 41.3% | 87 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credit & Enterprise Development | 20.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 44.7% - 48% | 44.7% - 48% | N/A | ||||||||
| Enterprise Development Facility | 15.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 33.5% | 33.5% | N/A | ||||||||
| Live Stock Financing | 15.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 33.5% - 34.9% | 33.5% - 34.9% | N/A | ||||||||
| Strengthening Micro Enterprises | 15.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 30.7% - 31.8% | 30.7% - 31.8% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro Enterprise Loan | 35.5%-38.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 39.5% - 41.3% | 39.5% - 41.3% | 87 | ||||||||
| Micro Business Loan | 35.5%-38.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 38.6% - 41.3% | 38.6% - 41.3% | 87 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credit & Enterprise Development | 20.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 44.7% - 48% | 44.7% - 48% | N/A | ||||||||
| Enterprise Development Facility | 15.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 33.5% | 33.5% | N/A | ||||||||
| Live Stock Financing | 15.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 33.5% - 34.9% | 33.5% - 34.9% | N/A | ||||||||
| Strengthening Micro Enterprises | 15.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 30.7% - 31.8% | 30.7% - 31.8% | N/A |
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