2. POMFB
Please note that the information you are viewing is 118 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Janalakshmi
Please note that the information you are viewing is 144 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

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

Janalakshmi Financial Services (P) Ltd. Rajashree Saroja Plaza, 34/1, Andree Road,ShanthinagarBangalore, Karnataka560027
Data approved: 2013-05-03
Data version: 2
Age of data: 144 months
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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

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.janalakshmi.com/
Year established2006
Head of InstitutionVS Radhakrishnan
Regions activeGujarat, Haryana, Karnataka, Madhya Pradesh, MaharashtraPunjab, Tamil Nadu, Uttar Pradesh, National Capital Territory of Delhi
# Branches66

Total Portfolio (nat'l)INR 6,311,118,034
Total Portfolio (USD)USD 119,077,698.80
Active clients with loans506,075
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsMFIN, AKMI

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 » Summary

Education
161 Borrowers
USD 37,515.45 Portfolio
Active Product
Small Group
505,914 Borrowers
USD 119,040,183.30 Portfolio
Active Product

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 » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Education Loan INR 5,000 - 20,000 12 - 24 60% - 80% 60% - 80% Education Women, Men, Must have children who are studying until the age of 24 yrs. Credit Educ
Small Group Loan INR 5,000 - 50,000 12 - 24 100% 100% Business, Housing, Consumer, Education, Other Women, Group members must live within each other's vicinity., Must demonstrate capacity to repay. Credit Educ, Group Mtgs, Credit Ins

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 » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Education Loan 27.5% - 28% 33% - 33.9% 40.4% - 41.8% NA NA NA 86
Small Group Loan 27.9% - 29.6% 28.9% - 31.5% 30.4% - 33.4% Yes Yes Yes 92
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Education Loan 24.0% annual, Decl Bal 2 Fees 0 Ins 12.36% fees 10.0% upfront 33% - 33.9% 40.4% - 41.8% 58
Small Group Loan 26.0% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 28.9% - 31.5% 30.4% - 33.4% 83

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

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Education Loan 27.5% - 28% 33% - 33.9% 40.4% - 41.8% NA NA NA 86
Small Group Loan 27.9% - 29.6% 28.9% - 31.5% 30.4% - 33.4% Yes Yes Yes 92
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Education Loan 24.0% annual, Decl Bal 2 Fees 0 Ins Ins 12.36% fees 10.0% upfront 33% - 33.9% 40.4% - 41.8% 58
Small Group Loan 26.0% annual, Decl Bal 1 Fee 1 Ins Ins 12.36% fees N/A 28.9% - 31.5% 30.4% - 33.4% 83
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.BankInstitution TypeAgricultureBusinessMultipleLoan PurposePOMFBInstitutionPK-018-V01-P01PK-018-V01-P02PK-018-V01-P03PK-018-V01-P04PK-018-V01-P05ProductPKCountry2013YearRange Number1Institution Data Version020,00040,00060,00080,000100,000Loan Size (all)0%20%40%Full APR (int fee ins tax dep)> 60030030Number of Borrowers
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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessEducationLoan PurposeJanalakshmiInstitutionIN-035-V02-P01IN-035-V02-P02ProductINCountry2013YearRange Number2Institution Data Version05,00010,00015,00020,00025,00030,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 100,00075,00050,00025,0002,800Number of Borrowers
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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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