| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.pomicro.com |
| Year established | 2006 |
| Head of Institution | Munawar Suleman |
| Regions active | Balochistan, Islambad Capital Territory, Khyber Pakhtunkwa, Punjab, Sindh |
| # Branches | 21 |
| Total Portfolio (nat'l) | PKR 284,661,818 |
| Total Portfolio (USD) | USD 2,795,379.05 |
| Active clients with loans | 8,529 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | |
| Funders |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.mardef.mw |
| Year established | 2005 |
| Head of Institution | Joseph Mononga |
| Regions active | Dedza, Dowa, Kasungu, Lilongwe, Mchinji, Nkhotakota, Ntcheu, Ntchisi, Salima, ChitipaKaronga, Likoma, Mzimba, Nkhata Bay, Rumphi, Balaka, Blantyre, Chikwawa, Chiradzulu, MachingaMangochi, Mulanje, Mwanza, Nsanje |
| # Branches | 28 |
| Total Portfolio (nat'l) | MWK 994,727,000 |
| Total Portfolio (USD) | USD 2,550,582.05 |
| Active clients with loans | 166,575 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | MAMN |
| Funders | Government of Malawi |
| 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 | Women, Men, Have business | ||||||||
| Micro Business Loan | PKR 10,000 - 40,000 | 12 - 24 | 20% - 40% | 40% - 60% | Business | Women, Men, Have business |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | MWK 150,000 - 500,000 | 6 - 18 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Group Dynamics |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro Enterprise Loan | 35.5%-38.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 39.5% - 41.3% | 39.5% - 41.3% | 87 | ||||||||
| Micro Business Loan | 35.5%-38.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 38.6% - 41.3% | 38.6% - 41.3% | 87 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 28.00% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 24.3% - 30.5% | 24.9% - 31.1% | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro Enterprise Loan | 35.5%-38.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 39.5% - 41.3% | 39.5% - 41.3% | 87 | ||||||||
| Micro Business Loan | 35.5%-38.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 38.6% - 41.3% | 38.6% - 41.3% | 87 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 28.00% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 24.3% - 30.5% | 24.9% - 31.1% | 100 |
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