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 153,889,476 |
Total Portfolio (USD) | USD 1,570,300.78 |
Active clients with loans | 11,618 |
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.finca.org/ |
Year established | 1994 |
Head of Institution | Ponsiano Ndyabahika |
Regions active | Dedza, Dowa, Kasungu, Lilongwe, Mchinji, Nkhotakota, Ntcheu, Ntchisi, SalimaKaronga, Mzimba, Nkhata Bay, Rumphi, Balaka, Blantyre, Chikwawa, Chiradzulu, MachingaMangochi, Mulanje, Mwanza, Nsanje |
# Branches | 18 |
Total Portfolio (nat'l) | MWK 1,463,320,000 |
Total Portfolio (USD) | USD 3,752,102.56 |
Active clients with loans | 29,927 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 20% - 40% |
Network affiliations | MAMN, Council of Non-Governmental Organizations (CONGOMA) |
Funders | FINCA International |
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 |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Individual Business Loan | MWK 50,000 - 4,500,000 | 6 - 12 | 20% - 40% | 40% - 60% | Business | Women, Men, Have business | Credit Ins | |||||||
Village Banking Loan | MWK 5,000 - 400,000 | 4 - 6 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Team work, etc. | |||||||
Small Group Loan | MWK 40,000 - 500,000 | 6 - 12 | 60% - 80% | 20% - 40% | Business | Women, Men, Have business | Credit Ins |
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 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Individual Business Loan | 60.00%-67.20% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 62.8% - 71.1% | 62.8% - 71.1% | 89 | ||||||||
Village Banking Loan | 84.00%-90.00% annual, Decl Bal | 0 Fees | 1 Ins | None | 10.00% upfront | 83.5% - 96.1% | 99.9% - 118.1% | 78 | ||||||||
Small Group Loan | 78.00% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 72% - 75.3% | 73.7% - 77.1% | 100 |
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 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Individual Business Loan | 60.00%-67.20% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 62.8% - 71.1% | 62.8% - 71.1% | 89 | ||||||||
Village Banking Loan | 84.00%-90.00% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | 10.00% upfront | 83.5% - 96.1% | 99.9% - 118.1% | 78 | ||||||||
Small Group Loan | 78.00% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 72% - 75.3% | 73.7% - 77.1% | 100 |
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