2. POMFB
Please note that the information you are viewing is 107 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Wasasa
Please note that the information you are viewing is 150 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Pak Oman Microfinance Bank Limited 2nd Floor, Tower "C", Finance and Trade Centre (FTC), Shahra-e-FaisalKarachi, Sindh
Data approved: 2013-06-24
Data version: 1
Age of data: -   months 
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Institution

Wasasa MFI AlemgenaOromiaP O Box 1192
Data approved: 2011-12-23
Data version: 1
Age of data: 150 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 153,889,476
Total Portfolio (USD)USD 1,570,300.78
Active clients with loans11,618
Approximate % female clients20% - 40%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established2000
Head of InstitutionAmsalu Alemayehu Gutema
Regions active
# Branches24

Total Portfolio (nat'l)ETB 113,970,892
Total Portfolio (USD)USD 6,194,070.22
Active clients with loans53,981
Approximate % female clients40% - 60%
Approximate % urban clients0% - 20%
Network affiliationsAEMFI, MAIN, PAMIGA
FundersTerrafina, Cordaid, Ethio Italian Rural Development Cooperation, World Solidarity Movement

Loan Products » Summary

MEL
1,773 Borrowers
USD 611,705.08 Portfolio
Active Product
MBL
6,004 Borrowers
USD 416,876.11 Portfolio
Active Product
MAsL
1,425 Borrowers
USD 110,595.51 Portfolio
Active Product
MAL
1,114 Borrowers
USD 231,195.15 Portfolio
Active Product
LSL
1,300 Borrowers
USD 198,730.26 Portfolio
Active Product
New MBL
2 Borrowers
USD 42.07 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

Employee
4,002 Borrowers
USD 493,914.29 Portfolio
Active Product
Enterprise
452 Borrowers
USD 72,351.36 Portfolio
Active Product
Individual
393 Borrowers
USD 326,133.70 Portfolio
Active Product
Large Group
44,503 Borrowers
USD 4,906,114.40 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, 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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Employee Loan ETB 1,000 - 10,000 4 - 24 0% - 20% 80% - 100% Housing, Consumer, Education Women, Men, Salaried worker Credit Educ
Enterprise Loan ETB 2,000 - 10,000 4 - 12 20% - 40% 80% - 100% Business Women, Men, Have business, Must be urban or semi-urban, not for rural clients. Credit Educ, Business Training
Individual Loan ETB 5,000 - 150,000 4 - 24 40% - 60% 80% - 100% Business Women, Men, Have business Credit Educ, Tech Asst Visits, Business Training
Large Group Loan ETB 100 - 5,000 4 - 12 40% - 60% 0% - 20% Any Purpose Women, Men Credit Educ, Other Training, Agricultural Training

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Employee Loan 15.0% annual, Flat 0 Fees 1 Ins None 10.0%-15.0% upfront 26.6% 31.9% - 33.6% 45
Enterprise Loan 18.0% annual, Flat 0 Fees 1 Ins None 10.0% upfront 32.1% - 33.8% 40.2% - 43.9% 43
Individual Loan 11.0%-15.0% annual, Flat 0 Fees 0 Ins None N/A 21.6% - 26.5% 21.6% - 26.5% 46
Large Group Loan 18.0% annual, Flat 1 Fee 1 Ins None 10.0%-15.0% upfront 23.6% - 23.8% 27.4% - 27.7% 65

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Employee Loan 15.0% annual, Flat 0 Fees 1 Ins Ins None 10.0%-15.0% upfront 26.6% 31.9% - 33.6% 45
Enterprise Loan 18.0% annual, Flat 0 Fees 1 Ins Ins None 10.0% upfront 32.1% - 33.8% 40.2% - 43.9% 43
Individual Loan 11.0%-15.0% annual, Flat 0 Fees 0 Ins Ins None N/A 21.6% - 26.5% 21.6% - 26.5% 46
Large Group Loan 18.0% annual, Flat 1 Fee 1 Ins Ins None 10.0%-15.0% upfront 23.6% - 23.8% 27.4% - 27.7% 65
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Key Statistics
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Loan Portfolio (USD)
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% Products with one or more insurances
% Products with compulsory deposits
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