| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| AB Bank | 300 | 307,000 | 2 | 169 |
| AMZ | 4,900 | 651,000 | 2 | 169 |
| CETZAM | 6,700 | 2,210,000 | 4 | 169 |
| Eclof Zambia | 200 | 111,000 | 4 | 169 |
| Empowerment | 1,500 | 447,000 | 5 | 169 |
| FINCA Zambia | 43,700 | 16,420,000 | 4 | 126 |
| Harmos | 9,800 | 1,398,000 | 3 | 169 |
| Kungoma | 43 | 18,000 | 2 | 169 |
| MBT | 13,900 | 1,563,000 | 5 | 169 |
| Meanwood | 2,000 | 1,766,000 | 5 | 169 |
| PFSL | 1,300 | 3,506,000 | 3 | 169 |
| Zambia CRC | 30 | 1,000 | 1 | 169 |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.microoption.org |
| Year established | 2009 |
| Head of Institution | Shazia Abbas |
| Regions active | Islambad Capital Territory, Punjab |
| # Branches | 5 |
| Total Portfolio (nat'l) | PKR 78,225,144 |
| Total Portfolio (USD) | USD 768,170.91 |
| Active clients with loans | 4,024 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | Punjab Microfinance Network, Pakistan Microfinance Network, Human Resouce Development Network (HRDN) |
| Funders | Pakistan Poverty Alleviation Fund, Plan Pakistan/NRSP, Institute of Rural Management (IRM), Philonthrophist / Individual Donations |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Livestock Loan | PKR 5,000 - 75,000 | 12 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business, Specific age group | Group Mtgs, Tech Asst Visits, Other Training | |||||||
| Commerce Loan | PKR 5,000 - 30,000 | 12 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business, Specific age group | Group Mtgs, Tech Asst Visits, Other Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Livestock Loan | 26.0%-31.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 32.9% - 34% | 32.9% - 34% | 78 | ||||||||
| Commerce Loan | 26.0%-31.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 33.8% - 36.3% | 33.8% - 36.3% | 74 |
| Key Statistics | |
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| % Products using declining balance | |
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| % Products with one or more insurances | |
| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
