2. BSEI
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  2. POMFB
Please note that the information you are viewing is 108 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Banco San Enrique, Inc. G/F Iloilo Medical Center, Bonifacio DriveIloilo City, Iloilo/Region VI5000
Data approved: 2011-11-15
Data version: 1
Age of data: 152 months

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 Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addressN/A
Year established1974
Head of InstitutionEngr. Arturo P. Muyco, Jr.
Regions active
# Branches5

Total Portfolio (nat'l)PhP 3,072,220
Total Portfolio (USD)USD 73,498.09
Active clients with loans664
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsBangko Sentral ng Pilipinas (BSP), Rural Bankers Association of the Philippines (RBAP), Philippine Deposit Insurance Corporation (PDIC)
FundersLandbank of the Philippines (LBP), National Livelihood Development Corporation (NLDC), Bangko Sentral ng Pilipinas (BSP)

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

Loan Products » Summary

Fast Cash
540 Borrowers
USD 66,386.94 Portfolio
Active Product
POWER
124 Borrowers
USD 7,111.15 Portfolio
Active Product

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 » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Fast Cash PHP 3,000 - 28,000 1 - 6 80% - 100% 0% - 20% Business Women, Men, Have business Group Mtgs, Credit Ins
POWER (Program on Women Empowerment) PHP 3,000 - 28,000 4 - 6 80% - 100% 0% - 20% Business Women, Have business Group Mtgs, Credit Ins

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 » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Fast Cash 40.0%-44.0% annual, Flat 1 Fee 2 Ins 0.50% loan amt 500.00 upfront 50.00 ongoing 83.4% - 92.4% 100.2% - 250.2% 31
POWER (Program on Women Empowerment) 40.0%-44.0% annual, Flat 1 Fee 2 Ins 0.50% loan amt 500.00 upfront 50.00 ongoing 83.4% - 84.7% 100.2% - 242.3% 30

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
Fast Cash 40.0%-44.0% annual, Flat 1 Fee 2 Ins Ins 0.50% loan amt 500.00 upfront 50.00 ongoing 83.4% - 92.4% 100.2% - 250.2% 31
POWER (Program on Women Empowerment) 40.0%-44.0% annual, Flat 1 Fee 2 Ins Ins 0.50% loan amt 500.00 upfront 50.00 ongoing 83.4% - 84.7% 100.2% - 242.3% 30

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
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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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