| Institution Type | RurBank |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 1979 |
| Head of Institution | PANCRASIO D. AJERO |
| Regions active | |
| # Branches | 5 |
| Total Portfolio (nat'l) | PhP 43,039,358 |
| Total Portfolio (USD) | USD 1,029,649.71 |
| Active clients with loans | 5,290 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Microenterprise Access to Banking Services (MABS), Mindanao Microfinance Council (MMC), Rural Bankers Association of the Philippines (RBAP), Zamboanga del Norte Federation of Rural Banks |
| Funders | Bank of the Philippine Islands (BPI), Landbank of the Philippines (LBP), People's Credit and Finance Corporation (PCFC) |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.microoption.org |
| Year established | 2009 |
| Head of Institution | Shazia Abbas |
| Regions active | Punjab |
| # Branches | 2 |
| Total Portfolio (nat'l) | PKR 51,356,249 |
| Total Portfolio (USD) | USD 524,043.36 |
| Active clients with loans | 2,516 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | Punjab Microfinance Network |
| Funders | Pakistan Poverty Alleviation Fund, Plan Pakistan/NRSP |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PMPK-GRASA Program | PHP 2,000 - 50,000 | 3 - 12 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business, Specific age group, 2 years resident in area, Must pass Means Test | Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training | |||||||
| SIPAG (Sinugdanan sa Paglambo) Loan | PHP 5,000 - 150,000 | 3 - 12 | 60% - 80% | 20% - 40% | Business | Women, Men, Have business, Specific age group, Has 2 valid IDs, Barangay Clearance, DTI , 2 years resident in area | Credit Ins, Tech Asst Visits, Business Training, Seminar on Livelihoods |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | PKR 10,000 - 75,000 | 4 - 8 | 0% - 20% | 0% | Agriculture | Women, Men, Have business, Specific age group | Group Mtgs, Other Training | |||||||
| Livestock Loan | PKR 5,000 - 75,000 | 12 | 40% - 60% | 0% - 20% | Any Purpose | Women, Men, Specific age group | Group Mtgs, Tech Asst Visits, Other Training | |||||||
| Commerce Loan | PKR 5,000 - 30,000 | 12 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business, Specific age group | Group Mtgs, Tech Asst Visits, Other Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PMPK-GRASA Program | 30.0% annual, Flat | 1 Fee | 1 Ins | 1.00% loan amt | 50.00 ongoing | 82.9% - 83% | 93.2% - 165.2% | 26 | ||||||||
| SIPAG (Sinugdanan sa Paglambo) Loan | 30.0% annual, Flat | 1 Fee | 2 Ins | None | 5.0% upfront 0.02% ongoing | 78.1% - 78.2% | 97% - 113% | 29 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 20.0%-22.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 27% - 27.2% | 27% - 27.2% | N/A | ||||||||
| Livestock Loan | 20.0%-22.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 31% - 31.1% | 31% - 31.1% | N/A | ||||||||
| Commerce Loan | 20.0%-22.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 43.9% - 44.2% | 43.9% - 44.2% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PMPK-GRASA Program | 30.0% annual, Flat | 1 Fee | 1 Ins Ins | 1.00% loan amt | 50.00 ongoing | 82.9% - 83% | 93.2% - 165.2% | 26 | ||||||||
| SIPAG (Sinugdanan sa Paglambo) Loan | 30.0% annual, Flat | 1 Fee | 2 Ins Ins | None | 5.0% upfront 0.02% ongoing | 78.1% - 78.2% | 97% - 113% | 29 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 20.0%-22.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 27% - 27.2% | 27% - 27.2% | N/A | ||||||||
| Livestock Loan | 20.0%-22.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 31% - 31.1% | 31% - 31.1% | N/A | ||||||||
| Commerce Loan | 20.0%-22.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 43.9% - 44.2% | 43.9% - 44.2% | N/A |
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| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
