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Institution

Pak Oman Microfinance Bank Limited 2nd Floor, Tower "C", Finance and Trade Centre (FTC), Shahra-e-FaisalKarachi, Sindh
Data approved: 2015-05-11
Data version: 2
Age of data: 58 months

Institution

GM Bank of Luzon, Inc. Brgy. Dimasalang, Maharlika HighwayCabanatuan City, Nueva Ecija3100
Data approved: 2011-11-16
Data version: 1
Age of data: 102 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.pomicro.com
Year established2006
Head of InstitutionMunawar Suleman
Regions activeBalochistan, Islambad Capital Territory, Khyber Pakhtunkwa, Punjab, Sindh
# Branches21

Total Portfolio (nat'l)PKR 284,661,818
Total Portfolio (USD)USD 2,795,379.05
Active clients with loans8,529
Approximate % female clients20% - 40%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addresshttp://www.gmbank.com.ph/
Year established2004
Head of InstitutionMr. Tomas S. Gomez, IV
Regions active
# Branches40

Total Portfolio (nat'l)PhP 110,367,523
Total Portfolio (USD)USD 2,640,371.36
Active clients with loans23,581
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations
Funders

Loan Products » Summary

MEL
5,514 Borrowers
USD 1,887,448 Portfolio
Active Product
MBL
2,074 Borrowers
USD 469,873.41 Portfolio
Active Product
38 Borrowers
USD 3,444.35 Portfolio
Low Volume Product
LSL
903 Borrowers
USD 434,613.29 Portfolio
Low Volume Product
MAL
Retired Product
Retired Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

3,251 Borrowers
USD 1,016.77 Portfolio
Active Product
19,431 Borrowers
USD 1,547,277.39 Portfolio
Active Product
872 Borrowers
USD 5,375.60 Portfolio
Active Product

Loan Products » Conditions

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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
ASAP Loan Program PHP 5,000 - 150,000 3 - 6 60% - 80% 80% - 100% Business Women, Men, Have business, Have home or land, Specific age group Credit Educ
Asenso Loan PHP 3,000 - 50,000 6 60% - 80% 0% - 20% Business Women, Men, Have business, Specific age group Credit Educ, Group Mtgs, Credit Ins, Savings
Micro-Agri Loan Product PHP 8,000 - 80,000 6 - 12 20% - 40% 0% - 20% Business Women, Men, Have business, Have home or land, Specific age group Group Mtgs, Credit Ins

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
ASAP Loan Program 30.0%-36.0% annual, Flat 2 Fees 1 Ins 5.00% loan amt 100.00 upfront 10.00% ongoing 72% - 93.2% 91.4% - 120.1% 29
Asenso Loan 25.9% annual, Flat 2 Fees 2 Ins 5.00% loan amt 100.00 upfront 16.00% ongoing 75.5% - 100.5% 107% - 142.7% 21
Micro-Agri Loan Product 30.0% annual, Flat 2 Fees 1 Ins 5.00% loan amt 100.00 upfront 10.00% ongoing 42.4% - 64.5% 56.6% - 85.8% 42

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
ASAP Loan Program 30.0%-36.0% annual, Flat 2 Fees 1 Ins Ins 5.00% loan amt 100.00 upfront 10.00% ongoing 72% - 93.2% 91.4% - 120.1% 29
Asenso Loan 25.9% annual, Flat 2 Fees 2 Ins Ins 5.00% loan amt 100.00 upfront 16.00% ongoing 75.5% - 100.5% 107% - 142.7% 21
Micro-Agri Loan Product 30.0% annual, Flat 2 Fees 1 Ins Ins 5.00% loan amt 100.00 upfront 10.00% ongoing 42.4% - 64.5% 56.6% - 85.8% 42
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