| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.orixpakistan.com |
| Year established | 1986 |
| Head of Institution | Mr. Teizoon Kisat |
| Regions active | Punjab, Sindh |
| # Branches | 8 |
| Total Portfolio (nat'l) | PKR 357,434,488 |
| Total Portfolio (USD) | USD 3,510,006.67 |
| Active clients with loans | 21,415 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | Pakistan Microfinance Network (PMN) |
| Funders | Pakistan Poverty Alleviation Fund (PPAF) |
| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 2011 |
| Head of Institution | Michael Barleon |
| Regions active | |
| # Branches | 1 |
| Total Portfolio (nat'l) | ZMK 4,225,572,000 |
| Total Portfolio (USD) | USD 816,535.65 |
| Active clients with loans | 738 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | Bankers Association of Zambia |
| Funders | International Finance Corporation (IFC), European Investment Bank (EIB), Incofin, KfW |
| 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 |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| AB Business Flexi | ZMK 1,000,000 - 5,000,000 | 3 - 20 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business, Zambian Resident, At least 21 years | Credit Educ, Business Training | |||||||
| AB Business Plus | ZMK 5,000,001 - 15,000,000 | 3 - 20 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| AB Business Flexi | 72.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 79.3% - 81.7% | 79.3% - 81.7% | 89 | ||||||||
| AB Business Plus | 69.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 74.5% - 78.8% | 74.5% - 78.8% | 91 |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| AB Business Flexi | 72.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 79.3% - 81.7% | 79.3% - 81.7% | 89 | ||||||||
| AB Business Plus | 69.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 74.5% - 78.8% | 74.5% - 78.8% | 91 |
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