| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| ACSI | 682,200 | 103,172,000 | 5 | 150 |
| ADCSI | 176,100 | 30,846,000 | 2 | 151 |
| BG | 47,000 | 4,048,000 | 4 | 150 |
| DECSI | 361,000 | 96,304,000 | 7 | 150 |
| Dire | 4,900 | 828,000 | 4 | 150 |
| DMCPSC | 1,200 | 69,000 | 1 | 150 |
| Eshet | 18,800 | 2,392,000 | 3 | 150 |
| Harbu | 22,400 | 1,757,000 | 2 | 150 |
| Meklit | 12,200 | 1,395,000 | 4 | 150 |
| Metemamen | 10,500 | 650,000 | 6 | 150 |
| OCSSCO | 502,700 | 69,565,000 | 3 | 150 |
| OMO | 323,600 | 31,385,000 | 4 | 150 |
| PEACE | 17,200 | 2,462,000 | 3 | 150 |
| SFPI | 33,600 | 2,750,000 | 3 | 150 |
| Sidama | 53,400 | 1,162,000 | 6 | 150 |
| Wasasa | 49,300 | 5,798,000 | 4 | 150 |
| Wisdom MFI | 45,300 | 5,500,000 | 6 | 147 |
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| % Products with compulsory deposits |
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