2. POMFB
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  2. KGI
Please note that the information you are viewing is 151 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

Kazama Grameen, Inc. Blk. 12, Lot 25, Sta. Monica SubdivisionSubic, Zambales2209
Data approved: 2011-11-15
Data version: 1
Age of data: 151 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-Governmental Organization
Is this institution regulated?No
Website addresshttp://kazamagrameen.org/
Year established1991
Head of InstitutionMarlou R. Concepcion
Regions active
# Branches28

Total Portfolio (nat'l)PhP 145,279,953
Total Portfolio (USD)USD 3,475,596.96
Active clients with loans26,607
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliations
Funders

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

Multipurpose
9,337 Borrowers
USD 861,244.02 Portfolio
Active Product
Project 1
14,000 Borrowers
USD 1,555,023.92 Portfolio
Active Product
Project 2
6,800 Borrowers
USD 765,550.24 Portfolio
Active Product
Project 3
2,200 Borrowers
USD 239,234.45 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
Multi-Purpose Loan PHP 2,000 - 10,000 3 - 6 80% - 100% 20% - 40% Any Purpose Women, Men, Have business, Have home or land, Specific age group Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
Project Loan 1 PHP 5,000 - 14,000 3 - 6 80% - 100% 20% - 40% Business Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
Project Loan 2 PHP 15,000 - 29,000 3 - 12 80% - 100% 20% - 40% Business Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
Project Loan 3 PHP 30,000 - 150,000 3 - 12 80% - 100% 20% - 40% Business Women, Men, Have business, Have home or land, Specific age group Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other 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
Multi-Purpose Loan 20.0% annual, Flat 0 Fees 0 Ins None N/A 43.1% 43.1% 46
Project Loan 1 30.0% annual, Flat 0 Fees 0 Ins None 50.00 ongoing 62.5% - 64.1% 67% - 71.2% 43
Project Loan 2 30.0% annual, Flat 0 Fees 1 Ins None 5.0% upfront 50.00 ongoing 61.8% - 63.2% 83.3% - 95.1% 34
Project Loan 3 20.0% annual, Flat 1 Fee 1 Ins None 5.0% upfront 50.00 ongoing 56.1% - 57.2% 73.7% - 76.3% 26

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
Multi-Purpose Loan 20.0% annual, Flat 0 Fees 0 Ins Ins None N/A 43.1% 43.1% 46
Project Loan 1 30.0% annual, Flat 0 Fees 0 Ins Ins None 50.00 ongoing 62.5% - 64.1% 67% - 71.2% 43
Project Loan 2 30.0% annual, Flat 0 Fees 1 Ins Ins None 5.0% upfront 50.00 ongoing 61.8% - 63.2% 83.3% - 95.1% 34
Project Loan 3 20.0% annual, Flat 1 Fee 1 Ins Ins None 5.0% upfront 50.00 ongoing 56.1% - 57.2% 73.7% - 76.3% 26
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Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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