| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 1989 |
| Head of Institution | Engr. Panfilo Asares |
| Regions active | |
| # Branches | 3 |
| Total Portfolio (nat'l) | PhP 101,848,650 |
| Total Portfolio (USD) | USD 2,436,570.57 |
| Active clients with loans | 12,752 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | Microfinance Council of the Philippines, Inc. |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Help (Individual) | PHP 20,000 - 150,000 | 3 - 24 | 60% - 80% | 20% - 40% | Business | Women, Men | Tech Asst Visits, Other Training, Mortuary Fund/Life insurance | |||||||
| Hiram (Group Loan) | PHP 3,000 - 100,000 | 6 | 60% - 80% | 20% - 40% | Business | Women, Men, Must have experience running a business | Group Mtgs, Tech Asst Visits, Business Training, Bookeeping, consultancy, Mortuary Fund/Life Insurance |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Help (Individual) | 24.0% annual, Flat | 1 Fee | 1 Ins | 0.50% loan amt | 2.0% upfront | 38.3% - 55.9% | 41.1% - 60.3% | 46 | ||||||||
| Hiram (Group Loan) | 24.0% annual, Flat | 1 Fee | 1 Ins | 0.25% loan amt | 4.0% upfront 20.00 ongoing | 68.6% | 81.7% - 111.2% | 27 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| AB Bank | 300 | 307,000 | 2 | 163 |
| AMZ | 4,900 | 651,000 | 2 | 163 |
| CETZAM | 6,700 | 2,210,000 | 4 | 163 |
| Eclof Zambia | 200 | 111,000 | 4 | 163 |
| Empowerment | 1,500 | 447,000 | 5 | 163 |
| FINCA Zambia | 43,700 | 16,420,000 | 4 | 120 |
| Harmos | 9,800 | 1,398,000 | 3 | 163 |
| Kungoma | 43 | 18,000 | 2 | 163 |
| MBT | 13,900 | 1,563,000 | 5 | 163 |
| Meanwood | 2,000 | 1,766,000 | 5 | 163 |
| PFSL | 1,300 | 3,506,000 | 3 | 163 |
| Zambia CRC | 30 | 1,000 | 1 | 163 |
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| % Products with compulsory deposits |
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