| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 1992 |
| Head of Institution | Engr. Antonio C. Sevillano, Jr. |
| Regions active | |
| # Branches | 24 |
| Total Portfolio (nat'l) | PhP 124,052,263 |
| Total Portfolio (USD) | USD 2,967,757.49 |
| Active clients with loans | 29,836 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | Microfinance Council of the Philippines (MCPI), Mindanao Microfinance Council (MMC) |
| Funders | Bank of the Philippine Islands (BPI), Development Bank of the Philippines (DBP), Landbank of the Philippines (LBP), Small Business Corporation (SBC) |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.microoption.org |
| Year established | 2009 |
| Head of Institution | Shazia Abbas |
| Regions active | Islambad Capital Territory, Punjab |
| # Branches | 5 |
| Total Portfolio (nat'l) | PKR 78,225,144 |
| Total Portfolio (USD) | USD 768,170.91 |
| Active clients with loans | 4,024 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | Punjab Microfinance Network, Pakistan Microfinance Network, Human Resouce Development Network (HRDN) |
| Funders | Pakistan Poverty Alleviation Fund, Plan Pakistan/NRSP, Institute of Rural Management (IRM), Philonthrophist / Individual Donations |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Loan | PHP 20,000 - 60,000 | 6 - 12 | 80% - 100% | 0% - 20% | Business, Agriculture | Women, Men, Have business, Have home or land | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
| Regular Loan | PHP 3,000 - 130,000 | 6 | 80% - 100% | 20% - 40% | Business | Women, Men, Have business, Have home or land, Salaried worker, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Livestock Loan | PKR 5,000 - 75,000 | 12 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business, Specific age group | Group Mtgs, Tech Asst Visits, Other Training | |||||||
| Commerce Loan | PKR 5,000 - 30,000 | 12 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business, Specific age group | Group Mtgs, Tech Asst Visits, Other Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Loan | 20.0% annual, Flat | 2 Fees | 2 Ins | None | 30.0% upfront 30.00% ongoing | 56.6% | 111.6% - 113.9% | 18 | ||||||||
| Regular Loan | 20.0% annual, Flat | 2 Fees | 1 Ins | None | 30.0% upfront 50.00 ongoing | 78.4% - 101.5% | 82% - 163.7% | 18 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Livestock Loan | 26.0%-31.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 32.9% - 34% | 32.9% - 34% | 78 | ||||||||
| Commerce Loan | 26.0%-31.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 33.8% - 36.3% | 33.8% - 36.3% | 74 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Loan | 20.0% annual, Flat | 2 Fees | 2 Ins Ins | None | 30.0% upfront 30.00% ongoing | 56.6% | 111.6% - 113.9% | 18 | ||||||||
| Regular Loan | 20.0% annual, Flat | 2 Fees | 1 Ins Ins | None | 30.0% upfront 50.00 ongoing | 78.4% - 101.5% | 82% - 163.7% | 18 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Livestock Loan | 26.0%-31.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 32.9% - 34% | 32.9% - 34% | 78 | ||||||||
| Commerce Loan | 26.0%-31.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 33.8% - 36.3% | 33.8% - 36.3% | 74 |
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