| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 1989 |
| Head of Institution | Romulo R. Ocubillo |
| Regions active | |
| # Branches | 3 |
| Total Portfolio (nat'l) | PhP 62,000,000 |
| Total Portfolio (USD) | USD 1,483,253.59 |
| Active clients with loans | 5,200 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | NATCCO, VICTO NATIONAL |
| Funders | UCPB-CIIF, SEEDFinance, Landbank, SBC |
| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.advanspakistan.com |
| Year established | 2012 |
| Head of Institution | Tariq Khan Baluch |
| Regions active | Sindh |
| # Branches | 3 |
| Total Portfolio (nat'l) | PKR 142,708,138 |
| Total Portfolio (USD) | USD 1,401,393.92 |
| Active clients with loans | 1,872 |
| Approximate % female clients | 0% - 20% |
| Approximate % urban clients | 100% |
| Network affiliations | APMBL is a subsidiary of the Advans group |
| Funders | Advans SA, FMO |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SUMMED (Scaling Up Micro-Finance Management and Entrepreneurial Development) | PHP 1,000 - 150,000 | 1 - 12 | 60% - 80% | 0% - 20% | Business | Women, Men | Credit Educ, Credit Ins, Tech Asst Visits, Business Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Karobar Sanwaro | PKR 10,000 - 150,000 | 3 - 18 | 0% - 20% | 100% | Business | Women, Men, Have business, Specific age group, Age bracket is 18 to 60 | Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SUMMED (Scaling Up Micro-Finance Management and Entrepreneurial Development) | 36.0%-48.0% annual, Flat | 2 Fees | 1 Ins | None | 4.00% ongoing | 82.3% - 100.9% | 88.4% - 121.4% | 35 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Karobar Sanwaro | 41.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 42.5% - 44.2% | 44.3% - 46.8% | 89 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| SUMMED (Scaling Up Micro-Finance Management and Entrepreneurial Development) | 36.0%-48.0% annual, Flat | 2 Fees | 1 Ins Ins | None | 4.00% ongoing | 82.3% - 100.9% | 88.4% - 121.4% | 35 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Karobar Sanwaro | 41.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 42.5% - 44.2% | 44.3% - 46.8% | 89 |
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