Paglaum Multi Purpose Cooperative - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 158 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Paglaum Multi Purpose Cooperative 2F PMPC Bldg., Eastern LoocPlaridel, Misamis Occidental7209

Data approved: 2011-11-15

Data version: 1

Age of data: 158 months

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Institution

Angkor Microheranhvatho Kampuchea # 442, St. 193, Toul Svayprey 1ChamkarmornPhnom Penh, CambodiaPO Box 855

Data approved: 2013-04-26

Data version: 4

Age of data: 139 months

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Institution Details

Institution Type	Credit Union / Cooperative
Is this institution regulated?	Yes
Website address	http://www.paglaumcoop.org.ph/
Year established	1992
Head of Institution	Gadwin E. Handumon
Regions active
# Branches	14

Total Portfolio (nat'l)	PhP 247,944,967
Total Portfolio (USD)	USD 5,931,697.78
Active clients with loans	21,775
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations	MASS-SPECC, NATTCO, Association of Asean Confederation of Credit Unions (AACCU), Microfinance Council of the Philippines, Inc. (MCPI)
Funders

Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://www.amkcambodia.com/
Year established	2003
Head of Institution	Kea Borann
Regions active	Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Mondulkiri , Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo
# Branches	113

Total Portfolio (nat'l)	KHR 236,703,000,000
Total Portfolio (USD)	USD 59,924,810.13
Active clients with loans	297,613
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations	CMA, SPTF
Funders	Agora, Concern

Loan Products » Summary

Barangay

670 Borrowers

USD 245,934.02 Portfolio

Active Product

Emergency

589 Borrowers

USD 16,991.70 Portfolio

Active Product

Housing

491 Borrowers

USD 452,572.75 Portfolio

Active Product

MEDAL

1,520 Borrowers

USD 88,541.15 Portfolio

Active Product

Motorcycle

219 Borrowers

USD 193,819.49 Portfolio

Active Product

Pension

2,073 Borrowers

USD 796,964.55 Portfolio

Active Product

Project Loan

12,767 Borrowers

USD 1,581,371.55 Portfolio

Active Product

Regular

5,185 Borrowers

USD 2,189,284.21 Portfolio

Active Product

Loan Products » Summary

Credit KHR

84,992 Borrowers

USD 17,797,287.24 Portfolio

Active Product

Credit THB

5,761 Borrowers

USD 1,606,561.09 Portfolio

Active Product

Emrgncy KHR

4,029 Borrowers

USD 361,651.90 Portfolio

Active Product

Emrgncy THB

107 Borrowers

USD 12,797.90 Portfolio

Active Product

EoT KHR

98,446 Borrowers

USD 18,040,572.30 Portfolio

Active Product

EoT THB

1,837 Borrowers

USD 437,073.02 Portfolio

Active Product

Individual

5,079 Borrowers

USD 2,962,841.98 Portfolio

Active Product

Inst ID

119 Borrowers

USD 111,709.86 Portfolio

Active Product

Inst VB

1,670 Borrowers

USD 320,495.59 Portfolio

Active Product

Inst ID

2,801 Borrowers

USD 2,559,297.12 Portfolio

Active Product

Inst VB

65,323 Borrowers

USD 9,910,460.58 Portfolio

Active Product

Seasonal KRH

10,468 Borrowers

USD 7,060,414.41 Portfolio

Active Product

Seasonal THB

733 Borrowers

USD 869,265.42 Portfolio

Active Product

Seasonal USD

934 Borrowers

USD 825,304 Portfolio

Active Product

Easy KHR

3,096 Borrowers

USD 462,791.11 Portfolio

Active Product

Easy USD

2,814 Borrowers

USD 446,098 Portfolio

Active Product

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Barangay Official Livelihood Assistance	PHP 500 - 15,000	6 - 36	60% - 80%	0% - 20%	Any Purpose	Women, Men, Barangay Officials	Credit Educ, Credit Ins
Emergency Loan	PHP 500 - 2,000	3 - 6	60% - 80%	0% - 20%	Other, Open to all regular and PDP members who are MIGS i, < 60 years	Women, Men	Group Mtgs
Housing Loan Program	PHP 50,000 - 300,000	12 - 26	80% - 100%	0% - 20%	Housing	Women, Men	Credit Educ, Credit Ins
MEDAL 1	PHP 5,000 - 5,000	3 - 6	60% - 80%	0% - 20%	Business	Women, Men, Have business, Must be Coop member	Credit Educ, Group Mtgs, Credit Ins
Motorcycle Loan	PHP 60,000 - 120,000	12 - 36	60% - 80%	0% - 20%	Consumer	Women, Men, Must have MIGS status, Must be Coop member	Credit Educ, Credit Ins
Pension Loan	PHP 10,000 - 100,000	6 - 24	40% - 60%	0% - 20%	Any Purpose	Women, Men, Must be pension holder, Must be <80 years	Credit Educ, Credit Ins
Project Loan (Micro-Regular Loan)	PHP 500 - 150,000	3 - 18	80% - 100%	0% - 20%	Business	Women, Men, Must be Coop member	Credit Educ, Credit Ins
Regular Loan	PHP 500 - 1,000,000	1 - 36	60% - 80%	0% - 20%	Business, Housing, Consumer, Education, Other	Women, Men, Must be Coop member	Credit Educ, Credit Ins, Tech Asst Visits, Business Training

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Credit Line (KHR)	KHR 50,000 - 1,000,000	3 - 24	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Other Training
Credit Line (THB)	THB 500 - 10,000	1 - 24	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Emergency Loan (KHR)	KHR 10,000 - 400,000	1 - 10	80% - 100%	0% - 20%	Other	Women, Men, Have home or land, Specific age group	Other Training
Emergency Loan (THB)	THB 500 - 4,000	1 - 10	80% - 100%	0% - 20%	Other	Women, Men, Have home or land	Credit Educ, Group Mtgs, Credit Ins
End of Term Loan (KHR)	KHR 10,000 - 1,000,000	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Group Mtgs, Other Training
End of Term Loan (THB)	THB 500 - 10,000	1 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
individual Inst ID (KHR)	KHR 400,000 - 8,000,000	3 - 18	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Other Training
Inst ID (THB)	THB 5,000 - 80,000	3 - 18	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ
Inst VB (THB)	THB 500 - 10,000	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Inst-ID USD	USD 500 - 2,000	3 - 18	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Other Training
Inst-VB (KHR)	KHR 10,000 - 1,000,000	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Group Mtgs, Other Training
Seasonal Loan (KHR)	KHR 500,000 - 6,000,000	3 - 12	80% - 100%	0% - 20%	Any Purpose, For seasonal purpose only	Women, Men, Have business, Have home or land, Must have regular income for eligible monthly interest payment	Credit Educ, Group Mtgs
Seasonal Loan (THB)	THB 5,000 - 60,000	3 - 12	80% - 100%	0% - 20%	Any Purpose, Seasonal purpose only	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Seasonal Loan (USD)	USD 100 - 1,500	3 - 12	80% - 100%	0% - 20%	Any Purpose, Seasonal loan requirement only	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Easy Loan (KHR)	KHR 10,000 - 1,000,000	1 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Salaried worker, Specific age group	Credit Educ, Other Training
Easy Loan (USD)	USD 50 - 250	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Specific age group	Credit Educ, Other Training

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Barangay Official Livelihood Assistance	22.8% annual, Flat	2 Fees	2 Ins	None	6.5% upfront 26.00 ongoing	44.9% - 52.7%	59.2% - 79.8%	35
Emergency Loan	30.0% annual, Flat	2 Fees	2 Ins	None	6.5% upfront	76% - 81.7%	174% - 194.8%	16
Housing Loan Program	21.0% annual, Decl Bal	2 Fees	2 Ins	None	6.5% upfront	24.4% - 24.5%	31.1% - 34.2%	64
MEDAL 1	30.0%-36.0% annual, Flat	2 Fees	2 Ins	None	6.5% upfront 26.00 ongoing	13.4% - 84.8%	22.1% - 114.2%	68
Motorcycle Loan	21.0% annual, Decl Bal	2 Fees	2 Ins	None	6.5% upfront 26.00 ongoing	24.5%	31.6% - 33.4%	65
Pension Loan	36.0% annual, Flat	2 Fees	2 Ins	None	6.5% upfront 26.00 ongoing	61.6% - 70.8%	70.1% - 85.5%	47
Project Loan (Micro-Regular Loan)	30.0% annual, Flat	2 Fees	2 Ins	None	6.5% upfront 26.00 ongoing	55.1% - 79.9%	66.2% - 175.4%	32
Regular Loan	36.0% annual, Flat	2 Fees	2 Ins	None	6.5% upfront 26.00 ongoing	69.9% - 88.7%	83.2% - 122.6%	37

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Credit Line (KHR)	36.0% annual, Decl Bal	1 Fee	None	N/A	34.1% - 36.6%	34.1% - 36.6%	100
Credit Line (THB)	33.6% annual, Decl Bal	1 Fee	None	N/A	34% - 34.2%	34% - 34.2%	98
Emergency Loan (KHR)	30.0% annual, Decl Bal	0 Fees	None	N/A	30% - 30.2%	30% - 30.2%	99
Emergency Loan (THB)	30.0% annual, Decl Bal	0 Fees	None	N/A	29.9% - 30.1%	29.9% - 30.1%	100
End of Term Loan (KHR)	36.0% annual, Decl Bal	1 Fee	None	N/A	36.5% - 37%	36.5% - 37%	98
End of Term Loan (THB)	33.6% annual, Decl Bal	1 Fee	None	N/A	33.6% - 34.2%	33.6% - 34.2%	98
individual Inst ID (KHR)	27.6%-36.0% annual, Decl Bal	1 Fee	None	N/A	31.9% - 37.1%	31.9% - 37.1%	81
Inst ID (THB)	27.6%-33.6% annual, Decl Bal	1 Fee	None	N/A	30.6% - 34.5%	30.6% - 34.5%	85
Inst VB (THB)	31.2% annual, Decl Bal	1 Fee	None	N/A	32.2% - 32.3%	32.2% - 32.3%	97
Inst-ID USD	26.4%-31.2% annual, Decl Bal	1 Fee	None	N/A	29.3% - 30.3%	29.3% - 30.3%	88
Inst-VB (KHR)	33.6% annual, Decl Bal	1 Fee	None	N/A	34.7% - 34.9%	34.7% - 34.9%	96
Seasonal Loan (KHR)	31.2%-36.0% annual, Decl Bal	1 Fee	None	N/A	33% - 37.5%	33% - 37.5%	88
Seasonal Loan (THB)	31.2%-36.0% annual, Decl Bal	1 Fee	None	N/A	30.6% - 34.2%	30.6% - 34.2%	95
Seasonal Loan (USD)	28.8%-32.4% annual, Decl Bal	1 Fee	None	N/A	30.6% - 33.5%	30.6% - 33.5%	90
Easy Loan (KHR)	30.0%-36.0% annual, Decl Bal	1 Fee	None	N/A	31.1% - 37.2%	31.1% - 37.2%	88
Easy Loan (USD)	27.6%-33.6% annual, Decl Bal	1 Fee	None	N/A	28.2% - 35.8%	28.2% - 35.8%	84

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Barangay Official Livelihood Assistance	22.8% annual, Flat	2 Fees	2 Ins Ins	None	6.5% upfront 26.00 ongoing	44.9% - 52.7%	59.2% - 79.8%	35
Emergency Loan	30.0% annual, Flat	2 Fees	2 Ins Ins	None	6.5% upfront	76% - 81.7%	174% - 194.8%	16
Housing Loan Program	21.0% annual, Decl Bal	2 Fees	2 Ins Ins	None	6.5% upfront	24.4% - 24.5%	31.1% - 34.2%	64
MEDAL 1	30.0%-36.0% annual, Flat	2 Fees	2 Ins Ins	None	6.5% upfront 26.00 ongoing	13.4% - 84.8%	22.1% - 114.2%	68
Motorcycle Loan	21.0% annual, Decl Bal	2 Fees	2 Ins Ins	None	6.5% upfront 26.00 ongoing	24.5%	31.6% - 33.4%	65
Pension Loan	36.0% annual, Flat	2 Fees	2 Ins Ins	None	6.5% upfront 26.00 ongoing	61.6% - 70.8%	70.1% - 85.5%	47
Project Loan (Micro-Regular Loan)	30.0% annual, Flat	2 Fees	2 Ins Ins	None	6.5% upfront 26.00 ongoing	55.1% - 79.9%	66.2% - 175.4%	32
Regular Loan	36.0% annual, Flat	2 Fees	2 Ins Ins	None	6.5% upfront 26.00 ongoing	69.9% - 88.7%	83.2% - 122.6%	37

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Credit Line (KHR)	36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	34.1% - 36.6%	34.1% - 36.6%	100
Credit Line (THB)	33.6% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	34% - 34.2%	34% - 34.2%	98
Emergency Loan (KHR)	30.0% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	30% - 30.2%	30% - 30.2%	99
Emergency Loan (THB)	30.0% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	29.9% - 30.1%	29.9% - 30.1%	100
End of Term Loan (KHR)	36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	36.5% - 37%	36.5% - 37%	98
End of Term Loan (THB)	33.6% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	33.6% - 34.2%	33.6% - 34.2%	98
individual Inst ID (KHR)	27.6%-36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	31.9% - 37.1%	31.9% - 37.1%	81
Inst ID (THB)	27.6%-33.6% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	30.6% - 34.5%	30.6% - 34.5%	85
Inst VB (THB)	31.2% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	32.2% - 32.3%	32.2% - 32.3%	97
Inst-ID USD	26.4%-31.2% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	29.3% - 30.3%	29.3% - 30.3%	88
Inst-VB (KHR)	33.6% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	34.7% - 34.9%	34.7% - 34.9%	96
Seasonal Loan (KHR)	31.2%-36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	33% - 37.5%	33% - 37.5%	88
Seasonal Loan (THB)	31.2%-36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	30.6% - 34.2%	30.6% - 34.2%	95
Seasonal Loan (USD)	28.8%-32.4% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	30.6% - 33.5%	30.6% - 33.5%	90
Easy Loan (KHR)	30.0%-36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	31.1% - 37.2%	31.1% - 37.2%	88
Easy Loan (USD)	27.6%-33.6% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	28.2% - 35.8%	28.2% - 35.8%	84

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Key Statistics
# Samples:
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# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits

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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

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