| 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 | N/A |
| Year established | 2003 |
| Head of Institution | Siku Nkhoma |
| Regions active | Dedza, Dowa, Kasungu, Lilongwe, Ntcheu, Salima, ChitipaKaronga, Mzimba, Nkhata Bay, Rumphi, Balaka, Blantyre, Chikwawa, Chiradzulu, Machinga, Mulanje |
| # Branches | 1 |
| Total Portfolio (nat'l) | MWK 250,550,466.50 |
| Total Portfolio (USD) | USD 642,437.09 |
| Active clients with loans | 2,351 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | Slum Dwellers International, MAMN, Malawi Homeless People's Federation |
| Funders | Slum Dwellers International, Homeless International, African Development Bank, WASTE |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | MWK 10,000 - 10,000 | 6 | 80% - 100% | 80% - 100% | Business, Can only be used for working capital | Women, Men, Must be a member of the Malawi Homeless People's Federation. | Business Training | |||||||
| Home Improvement Loan | MWK 20,000 - 20,000 | 24 | 80% - 100% | 80% - 100% | Housing | Women, Men, Must be a member of the Malawi Homeless People's Federation | ||||||||
| Sanitation Loan | MWK 40,000 - 100,000 | 24 | 80% - 100% | 80% - 100% | Sanitation | Women, Men, Residents from the peri urban areas | ||||||||
| Water Loan | MWK 18,000 - 120,000 | 24 | 60% - 80% | 80% - 100% | water supply | Women, Men, Residents from the peri urban areas |
| 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 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 24.00% annual, Decl Bal | 0 Fees | 0 Ins | None | 10.00% upfront | 16.8% | 16.8% | 100 | ||||||||
| Home Improvement Loan | 12.00% annual, Decl Bal | 0 Fees | 0 Ins | None | 10.00% upfront | 10.9% | 10.9% | 100 | ||||||||
| Sanitation Loan | 12.00% annual, Decl Bal | 0 Fees | 0 Ins | None | 10.00% upfront | 10.9% | 10.9% | 100 | ||||||||
| Water Loan | 12.00% annual, Decl Bal | 0 Fees | 0 Ins | None | 10.00% upfront | 10.9% - 11% | 10.9% - 11% | 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 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 24.00% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 10.00% upfront | 16.8% | 16.8% | 100 | ||||||||
| Home Improvement Loan | 12.00% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 10.00% upfront | 10.9% | 10.9% | 100 | ||||||||
| Sanitation Loan | 12.00% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 10.00% upfront | 10.9% | 10.9% | 100 | ||||||||
| Water Loan | 12.00% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 10.00% upfront | 10.9% - 11% | 10.9% - 11% | 100 |
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