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Micro Finance

Making your small business grow

ORIX provides reliable short to medium term financial products for the establishment and growth of micro businesses and enterprises. The microfinance programme is targeted to strengthen the economic base of urban and rural poor by increasing income earning members of a community.

Salient Features  
   
Currently OLP offers following range of products under its microfinance programme:

Micro Leasing

Financing is provided to micro entrepreneurs on a profit-making basis all over the country. Under the micro leasing scheme for equipment and machinery, ORIX finance productive assets like generators, photocopiers, lathes etc.

Microcredit

ORIX Micro credit loans are based on group lending methodology through which peer groups of five women are self selected and incorporated into a credit council of 20 borrowers. No physical collateral is required and access to products and services is quick and prompt.

The loan recovery is based on the premise that each council member takes on responsibility for her peers and in case of emergency or non-payment, the women who constitute the council assume responsibility for timely repayment.

The 20 members comprising a council consist of married, divorced or widowed female clients. Divorced and widowed clients are encouraged in the group lending approach so that they can earn for themselves by starting a business or by increasing their existing businesses.

Poverty Alleviation Program

Innovative projects for providing soft term financing for income generation to fully recovered patients of Marie Adelaide Leprosy Centre (MALC) and Pakistan Centre for the Rehabilitation of the Disabled (PSRD) are implemented in financial assistance with Pakistan Centre for the Rehabilitation of the Disabled (SDC).

NGO Linkage

To expand the scope of financial intervention for micro enterprises and also to contribute positively towards the millennium development goals, ORIX has started providing financing to women of the poor households. Currently, ORIX is working in close relationship with the following NGOs:

  • ASASAH, Lahore (Punjab).
  • Centre for Women Cooperative Development (Punjab).
  • Indus Resource Centre, Sehwan (Sindh).
  • Marvi Samaji Tarakeyati Tanzeem, Hyderabad (Sindh).
  • Young Samaji Tanzeem, Juhi (Sindh).
  • Villagers Development Organization (Sindh).

Eligibility Criteria  

  • OLP will entertain enquiries from all business entities.
  • Women entrepreneurs and those looking for finances to use their skills productively can opt for this financing scheme.
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Islamic Finance
  • Ijarah Financing Medium to long term facility for vehicles (Corporate and Individual), plant and machinery leased out to the client on rental. basis.
  • Diminishing Musharkah Medium to long term facility for vehicles (Corporate and Individual), plant and machinery on joint ownership basis. Under Diminishing Musharkah Contract the share of the OLP will be divided into a number of units and it is agreed that the client will purchase the OLPs share periodically, thus increasing its own share until all the units of the OLP are purchased by him so as to make the client the sole owner of the asset.
  • Musawamah Financing Small and Medium Business can avail financing for the purchase of raw materials required to process the confirmed work orders placed by their reputable customers.
e-Business
In today’s dynamic business environment where businesses strive to achieve competitive advantage and bring innovation to their business models, ORIX e-Business Division provides them with the opportunity to offer new products and services and bring efficiencies to help maintain their competitive edge.

ORIX e-Business division has created the ORIX Network which is Pakistan’s first and largest third-party transaction processing network. The ORIX Network is a terminal based Point-of-Sale Network that has been established with the dual objective of enabling an environment and creating a platform from which member financial institutions, banks and other corporate entities would be able offer a host of creative and innovative services to their customers. Read More
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Copyright © 2005-2012 ORIX Leasing Pakistan Limited. All rights reserved     Last Updated Apr 20,2013