| Institution Type | RurBank |
| Is this institution regulated? | Yes |
| Website address | http://www.peoplesbankofcaraga.org/ |
| Year established | 1972 |
| Head of Institution | Cristina A. Bulaon |
| Regions active | |
| # Branches | 12 |
| Total Portfolio (nat'l) | PhP 436,386,219 |
| Total Portfolio (USD) | USD 10,439,861.70 |
| Active clients with loans | 41,943 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Microfinance Council of the Philippines, Inc. (MCPI) |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Allied Undertakings Loan | PHP 3,000 - 150,000 | 6 - 12 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
| Cycled Loan / Enterprise Loan | PHP 3,000 - 150,000 | 6 - 12 | 80% - 100% | 20% - 40% | Business | Women, Men, Have business, Specific age group, Age must be 18 to 65 years old | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
| Farm Financing Loan | PHP 3,000 - 10,000 | 6 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
| ISAPA-PPP | PHP 5,000 - 75,000 | 6 | 0% - 20% | 0% - 20% | Business | Women, Men, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Education Trips of Members |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Allied Undertakings Loan | 24.0% annual, Flat | 2 Fees | 1 Ins | 0.50% loan amt | N/A | 59.2% - 61.1% | 62.9% - 65.7% | 37 | ||||||||
| Cycled Loan / Enterprise Loan | 24.0% annual, Flat | 2 Fees | 1 Ins | 0.50% loan amt | 100.00 upfront 0.37% ongoing | 58.1% - 63% | 70.7% - 76.3% | 32 | ||||||||
| Farm Financing Loan | 28.0% annual, Flat | 2 Fees | 1 Ins | 0.50% loan amt | N/A | 36.2% - 36.8% | 38.3% - 39% | 72 | ||||||||
| ISAPA-PPP | 28.0% annual, Flat | 2 Fees | 1 Ins | 0.50% loan amt | N/A | 66.5% | 67.4% - 69% | 41 |
| Outstanding portfolio (USD) | USD 1,115 |
| Portfolio (USD) | USD 1,115 |
| Active Clients with Loans | 19 |
| Approximate % Female Clients | 60% - 80% |
| Approximate % Urban Clients | 0% - 20% |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | x |
| Consumer loan | x |
| Agriculture | |
| Education | x |
| Other household finance | x |
| Other | |
| Other (2) |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | x |
| Must be a salaried worker | x |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | 2 |
| # Regions for this product | N/A |
| Regions Active |
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| % Products using declining balance | |
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| % Products with one or more insurances | |
| % Products with compulsory deposits |
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