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

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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 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

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 » 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 » 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

Institution Price Graph

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Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
Adhikar	35,300	2,674,000	1	139
AMPL	0	0	0	139
Arman	41,500	529,107,000	1	139
Arohan	43,500	8,091,000	2	139
ASA INDIA	164,000	15,380,000	1	139
Asirvad	113,500	19,328,000	1	139
Asmitha	1,114,800	217,867,000	1	139
Bandhan	4,048,600	674,564,000	5	139
Belstar	123,000	23,945,000	2	117
BSFL	275,200	31,590,000	3	139
Chaitanya	20,700	3,748,000	3	139
Disha Microfin	69,000	14,332,000	2	139
Equitas	1,220,000	186,415,000	4	139
ESAF	354,200	43,500,000	5	139
FFSL	150,600	35,719,000	2	139
Fusion	66,800	9,820,000	2	139
Grama Vidiyal	738,200	102,101,000	1	139
Grameen Koota	586,600	83,555,000	15	141
Janalakshmi	506,000	119,077,000	2	139
L & T Finance	399,800	37,199,000	1	139
MFL	331,800	49,083,000	1	139
MMFL	175,000	23,752,000	2	139
Mpower	13,600	2,263,000	2	139
Sahayata	0	0	0	139
Saija	24,700	4,682,000	2	139
Samasta	45,500	4,809,000	2	139
Satin	405,600	90,174,000	2	139
SCCI	115,600	15,910,000	2	139
Share	2,195,400	376,727,000	1	139
SKS	3,409,000	355,029,000	2	139
SMILE	360,200	56,927,000	1	139
SNFL	9,400	1,779,000	1	139
Sonata Finance	158,200	22,724,000	3	141
Spandana	533,400	147,240,000	2	139
Suryoday	78,600	14,713,000	3	139
SVCL	118,200	18,886,000	1	139
Swadhaar	92,800	17,166,000	3	139
Trident	68,700	8,852,000	1	139
Ujjivan	913,300	160,848,000	5	139
Utkarsh	168,600	25,915,000	3	139
VFS	175,400	19,264,000	2	139
Asomi	50,300	4,743,000	2	171
AES India	3,600	286,000	1	171
Arth	2,900	611,000	2	171
Asomi	50,300	4,743,000	2	171
Barasat GS	1,100	99,508.02	1	171
BJS	6,000	468,000	1	171
Cashpor	417,000	50,452,000	1	170
Credible	10,000	1,669,540.36	2	171
DIBAKAR	1,800	145,000	1	170
GOF	65,200	5,388,000	4	170
Hope	62,600	4,407,000	1	168
Jaago	2,700	237,000	1	169
LOK	4,900	573,000	1	170
Nano	25,600	3,660,000	2	171
NBSAAVS	28,100	2,821,000	1	168
Nirantara	8,200	917,000	2	170
Parama	7,100	482,000	1	170
Pragathi	26,200	4,579,000	6	170
PWMACS	36,500	5,946,000	1	170
Saadhana	90,900	12,046,000	2	170
Sambhav	1,500	183,000	3	170
Seba Rahara	6,700	468,000	1	170
SU	61,100	5,498,000	1	170
Swayanshree	7,900	918,000	2	170
Vikas Samiti	1,600	168,000	1	170
Vistaar	4,300	1,157,000	2	168
We The People	1,100	244,000	2	170
WEMCS	1,100	85,000	1	170
Yukti	1,100	99,000	2	170

Key Statistics
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Institution

Institution Details

Loan Products » Summary

Loan Products » Conditions

Loan Products » Pricing Information

Institution Price Graph

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