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Institution

Orix Leasing Pakistan Ltd Plot # 16, Sector 24, Korangi Industrial AreaKarachi
Data approved: 2015-05-11
Data version: 2
Age of data: 106 months

Institution

Union Rural Bank Limited Head OfficeSenya Bereku, Central RegionP.O. Box 5
Data approved: 2013-02-26
Data version: 2
Age of data: 132 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.orixpakistan.com
Year established1986
Head of InstitutionMr. Teizoon Kisat
Regions activePunjab, Sindh
# Branches8

Total Portfolio (nat'l)PKR 357,434,488
Total Portfolio (USD)USD 3,510,006.67
Active clients with loans21,415
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsPakistan Microfinance Network (PMN)
FundersPakistan Poverty Alleviation Fund (PPAF)

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addressN/A
Year established1999
Head of InstitutionPaul Kojo Kombian
Regions activeGreater Accra Region, Central Region
# Branches7

Total Portfolio (nat'l)GHS 4,652,554
Total Portfolio (USD)USD 2,361,702.54
Active clients with loans3,831
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsARB APEX, GHAMFIN, Freedom from Hunger
FundersOikoCredit, SPEED Ghana, ARB APEX Bank

Loan Products » Summary

MC
18,936 Borrowers
USD 3,043,729.94 Portfolio
Active Product
NGO
1,965 Borrowers
USD 273,993.18 Portfolio
Active Product
MEL
514 Borrowers
USD 192,283.55 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

1,367 Borrowers
USD 187,932.49 Portfolio
Active Product
1,889 Borrowers
USD 1,777,637.90 Portfolio
Active Product
435 Borrowers
USD 300,171.28 Portfolio
Active Product
140 Borrowers
USD 95,960.87 Portfolio
Active Product
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Microcredit Productive Loans PKR 20,000 - 50,000 12 100% 20% - 40% Business Women
NGO Linkages PKR 10,000 - 50,000 12 60% - 80% 60% - 80% Business Women, Men

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Group Loan GHS 500 - 3,000 4 - 6 80% - 100% 80% - 100% Business Women, Men, Have business Credit Educ, Group Mtgs
Salary Loan GHS 200 - 25,000 1 - 12 40% - 60% 60% - 80% Business, Education Women, Men, Have business, Salaried worker Credit Educ, Business Training
Business Loan GHS 200 - 25,000 1 - 12 40% - 60% 60% - 80% Business Women, Men, Have business Credit Educ, Business Training
Mobile Banking Loan GHS 200 - 25,000 1 - 12 40% - 60% 60% - 80% Business Women, Men, Have business Credit Educ, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Microcredit Productive Loans 20.0% annual, Flat 1 Fee 1 Ins None N/A 38.6% - 40.1% 39.8% - 41.7% 49
NGO Linkages 12.0% annual, Flat 0 Fees 0 Ins None N/A 21.3% 21.3% 56

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loan 48.00% annual, Flat 2 Fees 0 Ins None 10.00% upfront 103.1% - 106% 123.7% - 127.3% 38
Salary Loan 32.00% annual, Flat 2 Fees 0 Ins None N/A 57.3% - 73.4% 57.3% - 73.4% 47
Business Loan 35.00% annual, Flat 2 Fees 0 Ins None N/A 68.2% - 68.7% 68.2% - 68.7% 51
Mobile Banking Loan 48.00% annual, Flat 2 Fees 0 Ins None 10.00% upfront 104.9% - 107.4% 127.1% - 130.5% 37

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Microcredit Productive Loans 20.0% annual, Flat 1 Fee 1 Ins Ins None N/A 38.6% - 40.1% 39.8% - 41.7% 49
NGO Linkages 12.0% annual, Flat 0 Fees 0 Ins Ins None N/A 21.3% 21.3% 56

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loan 48.00% annual, Flat 2 Fees 0 Ins Ins None 10.00% upfront 103.1% - 106% 123.7% - 127.3% 38
Salary Loan 32.00% annual, Flat 2 Fees 0 Ins Ins None N/A 57.3% - 73.4% 57.3% - 73.4% 47
Business Loan 35.00% annual, Flat 2 Fees 0 Ins Ins None N/A 68.2% - 68.7% 68.2% - 68.7% 51
Mobile Banking Loan 48.00% annual, Flat 2 Fees 0 Ins Ins None 10.00% upfront 104.9% - 107.4% 127.1% - 130.5% 37
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Key Statistics
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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