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. GM Bank
Please note that the information you are viewing is 162 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

GM Bank of Luzon, Inc. Brgy. Dimasalang, Maharlika HighwayCabanatuan City, Nueva Ecija3100
Data approved: 2011-11-16
Data version: 1
Age of data: 162 months

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 TypeRurBank
Is this institution regulated?Yes
Website addresshttp://www.gmbank.com.ph/
Year established2004
Head of InstitutionMr. Tomas S. Gomez, IV
Regions active
# Branches40

Total Portfolio (nat'l)PhP 110,367,523
Total Portfolio (USD)USD 2,640,371.36
Active clients with loans23,581
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations
Funders

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

ASAP
3,251 Borrowers
USD 1,016.77 Portfolio
Active Product
Asenso
19,431 Borrowers
USD 1,547,277.39 Portfolio
Active Product
Micro-Agri
872 Borrowers
USD 5,375.60 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
ASAP Loan Program PHP 5,000 - 150,000 3 - 6 60% - 80% 80% - 100% Business Women, Men, Have business, Have home or land, Specific age group Credit Educ
Asenso Loan PHP 3,000 - 50,000 6 60% - 80% 0% - 20% Business Women, Men, Have business, Specific age group Credit Educ, Group Mtgs, Credit Ins, Savings
Micro-Agri Loan Product PHP 8,000 - 80,000 6 - 12 20% - 40% 0% - 20% Business Women, Men, Have business, Have home or land, Specific age group 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 » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
ASAP Loan Program 30.0%-36.0% annual, Flat 2 Fees 1 Ins 5.00% loan amt 100.00 upfront 10.00% ongoing 72% - 93.2% 91.4% - 120.1% 29
Asenso Loan 25.9% annual, Flat 2 Fees 2 Ins 5.00% loan amt 100.00 upfront 16.00% ongoing 75.5% - 100.5% 107% - 142.7% 21
Micro-Agri Loan Product 30.0% annual, Flat 2 Fees 1 Ins 5.00% loan amt 100.00 upfront 10.00% ongoing 42.4% - 64.5% 56.6% - 85.8% 42

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 » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
ASAP Loan Program 30.0%-36.0% annual, Flat 2 Fees 1 Ins Ins 5.00% loan amt 100.00 upfront 10.00% ongoing 72% - 93.2% 91.4% - 120.1% 29
Asenso Loan 25.9% annual, Flat 2 Fees 2 Ins Ins 5.00% loan amt 100.00 upfront 16.00% ongoing 75.5% - 100.5% 107% - 142.7% 21
Micro-Agri Loan Product 30.0% annual, Flat 2 Fees 1 Ins Ins 5.00% loan amt 100.00 upfront 10.00% ongoing 42.4% - 64.5% 56.6% - 85.8% 42
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.RurBankInstitution TypeBusinessLoan PurposeGM BankInstitutionPH-021-V01-P01PH-021-V01-P02PH-021-V01-P03ProductPHCountry2011YearRange Number1Institution Data Version020,00040,00060,00080,000100,000120,000Loan Size (all)0%50%100%150%Full APR (int fee ins tax dep)> 5,8004,3002,9001,400100Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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