Microfinance Practitioners
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AMFB is a private commercial microfinance bank licensed by State Bank of Pakistan under the Microfinance ordinance 2001 to operate in Karachi district in 2005. AMFB specializes in providing financial services to the marginal poor including empowerment of women in rural areas of Pakistan. In order to create harmonization with the vision to build a microfinance bank dedicated to serve agricultural and allied community, its new sponsors changed its name to Apna Microfinance Bank Limited from Network Microfinance bank limited. As of June 2012, it has 696 active borrowers, gross loan portfolio of PKR 28.7 million, 16,838 active savers with value of savings at PKR 130.7 million. 

FINCA Microfinance Bank Limited is part of the FINCA Impact Finance Network, a group of 21 microfinance and financial institutions that provides socially responsible financial services and enables low-income entrepreneurs and small business owners to invest in the future.

FINCA is also one of the fastest growing microfinance networks in Pakistan with 105 branches in 94 cities across Pakistan. Since its inception 8 years ago in Pakistan, FINCA Microfinance Bank has given over 41.5 billion rupees through 518,000+ small loans to microenterprises, helping them grow their businesses, and creating thousands of new jobs. FINCA is considered to be the pioneer of cash flow based unsecured lending in Pakistan and has the distinction of the highest average loan ticket size in unsecured lending in the Pakistan microfinance sector. It also provides attractive deposit options and state-of-the-art payment solutions with an unparalleled customer experience

KhushhaliBank Limited was founded in the year 2000 and was a part of the Government’s Poverty Reduction Strategy and its Microfinance Sector Development Program (MSDP). The mandate remains to retail microfinance services and to act as a catalyst in stabilizing the country's microfinance sector. It aims to establish a sustainable platform of financial services to the poor accompanied with retail delivery mechanisms.

As of June 2012, it has 4,35,353 active borrowers, gross loan portfolio of PKR 518.8 million, 3,39,296 active savers with value of savings at PKR 2.1 billion

NRSP Microfinance Bank Limited commenced operations in March 2011. The bank has been incorporated under the Companies Ordinance, 1984 as a public company limited by shares and licensed to operate as a nationwide microfinance bank under the Microfinance Ordinance 2001. It has planned to gradually transform the micro credit operations of the country’s largest provider of microfinance services (National Rural Support Program) into a regulated microfinance bank.

As of June 2012, it has 1,10,849 active borrowers, gross loan portfolio of PKR 2.2 billion, 48,333 active savers with value of savings at PKR 950.8 million

Pak Oman Microfinance Bank was inaugurated on May 21, 2006 in Pakistan on a nationwide basis. It has been jointly sponsored by the Sultanate of Oman and the Pak Oman Investment Company. The bank is offering a range of microcredit and micro-savings products and services and aspires to become an engine of job creation to the under-privileged segments of Pakistani society.

As of June 2012, it has 12,052 active borrowers, gross loan portfolio of PKR 149.6 million, 17,575 active savers with value of savings at PKR 25.6 million [all figures are in PKR]


TMFB is a private commercial Microfinance bank licensed by the State Bank of Pakistan under the Microfinance Ordnance 2001. It is one of the first nation-wide, private-sector, non-NGO transformed, commercially sustainable micro-finance institutions in Pakistan. It was established in 2005 and aims to provide dedicated services to the economically active poor and to be demand driven, client centered and responsive to the special needs of customers

As of June 2012, it has 1,44,850 active borrowers, gross loan portfolio of PKR 6.24 billion, 7,40,396 active savers with value of savings at PKR 5.4 billion

The First Micro Finance Bank was set up by Aga Khan Rural Support Program and the Aga Khan Fund for Economic Development in March 2002.  After its establishment, it has grown into a very viable micro finance institutes in the country. It considers microloans as a means to spur development as these loans are quite small relative to normal western financial arrangements, but provide access to capital that was never possible due to economic, cultural, or historical reasons.

As of June 2012, it has 1,61,341 active borrowers, gross loan portfolio of PKR 3.4 billion, 2,42,814 active savers with value of savings at PKR 6.3 billion

The Punjab Provincial Cooperative Bank Ltd. was established in 1924 as an Apex Bank to meet funding requirements of cooperative societies. It is engaged in all types of banking & credit business with societies and individuals. The PPCBL gained the status of Scheduled Bank in 1955.  PPCBL was organized and being managed on the principal of voluntary and open membership, democratic member control, member economic participation, autonomy, independence, self-help and mutual cooperation. It envisages to be a well structured and efficient cooperative financial institution for helping its members and individuals to unite volutarily for building up their resources and meeting their common socioeconomic needs through democratically controlled enterprise.

U Microfinance Bank Limited (Formerly known as Rozgar Microfinance bank Ltd.) was incorporated as public ltd. Company On 29th of October 2003 under Company Ordinance 1984. 

It was the 4th microfinance bank, licensed by State Bank of Pakistan under Microfinance Institutions Ordinance 2001. Initially, Rozgar, MicrofinanceBank Limited was a district wide microfinance Bank (MFB) operating in Karachi district.

In August, 2012,Pakistan Telecommunication Company Limited (PTCL) has acquired 100% shareholding of Rozgar Microfinance Bank Limited, after fulfilling required regulatory requirements and change in name from Rozgar Microfinance bank Ltd. To U Microfinance bank Ltd, it was awarded 14thlicenseto operate at national level.

Waseela Microfinance Bank Limited (WMBL) is the 10th licensed microfinance bank in Pakistan by State Bank of Pakistan under ‘Microfinance Institution Ordinance 2001′ and is 6th bank having nationwide operating mandate. WMBL started its operations on May 2, 2012.

This new Microfinance Bank has been established at a critical junction in the evolution of the microfinance industry in Pakistan. For the last 3 decades, microfinance has largely been dominated by relatively weak and unsustainable institutions focusing on the traditional micro credit, but with the evolution in branchless banking and impact of technology in the banking sector, a lot more focus is now headed towards the gaining the strategic advantage of covering outreach through mobile banking products.