Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | N/A |
Year established | 1987 |
Head of Institution | Julio Cesar Miranda Franco |
Regions active | 0 |
# Branches | 3 |
Total Portfolio (nat'l) | BOB 86,907,157.32 |
Total Portfolio (USD) | USD 12,687,176.25 |
Active clients with loans | 9,606 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 80% - 100% |
Network affiliations | |
Funders |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | N/A |
Year established | 1987 |
Head of Institution | Alma M. Estolas |
Regions active | |
# Branches | 21 |
Total Portfolio (nat'l) | PhP 119,300,028.50 |
Total Portfolio (USD) | USD 2,854,067.67 |
Active clients with loans | 39,663 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 0% - 20% |
Network affiliations | APPEND, MFC- Northern Luzon and CAR, Oikocredit |
Funders | Oikocredit, PCFC, Small Business Corporation, NLDC |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Asalariado | USD 50 - 3,000 | 3 - 48 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Salaried worker | Credit Ins | |||||||
Asociativo | USD 50 - 2,000 | 12 - 36 | 0% - 20% | 80% - 100% | Business | Women, Men, Have business, Ser mienbro de una asociación | Credit Ins | |||||||
Independiente | USD 50 - 15,000 | 3 - 48 | 60% - 80% | 80% - 100% | Business, en caso de que la casa sea parte del negocio, En educación en caso que esta aumente la capacidad | Women, Men, Have business | Credit Ins | |||||||
Linea Agil | USD 500 - 15,000 | 4 - 48 | 40% - 60% | 80% - 100% | Business, el uso del dinero en la casa en caso que este sea | Women, Men, Have business | Credit Ins | |||||||
Oportuno | USD 100 - 2,000 | 3 - 18 | 60% - 80% | 80% - 100% | Business | Women, Men, Have business | Credit Ins | |||||||
Temporada | USD 50 - 400 | 1 - 4 | 80% - 100% | 80% - 100% | Any Purpose | Women, Men, Have business, tambien se aplica a personas asalariadas | Credit Ins | |||||||
Transporte | USD 500 - 16,000 | 6 - 48 | 20% - 40% | 60% - 80% | Business | Women, Men | Credit Ins |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Loan | PHP 5,000 - 50,000 | 4 | 40% - 60% | 0% - 20% | Business, Agriculture, Purchase of farm inputs | Women, Men, Engaged in farming activities | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Values Formation | |||||||
General Business Loan | PHP 1,000 - 30,000 | 6 | 80% - 100% | 0% - 20% | Business | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Values Formation | |||||||
Livestock Loan | PHP 5,000 - 15,000 | 4 - 6 | 60% - 80% | 0% - 20% | Business, Livestock-related expenses | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Values Formation | |||||||
Salary Loan | PHP 10,000 - 40,000 | 3 - 12 | 40% - 60% | 0% - 20% | Any Purpose | Women, Men, Salaried worker, Barangay Officials | Credit Educ, Credit Ins |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Asalariado | 24.0%-36.0% annual, Decl Bal | 3 Fees | 1 Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Asociativo | 18.0%-20.0% annual, Decl Bal | 3 Fees | 1 Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Independiente | 20.0%-36.0% annual, Decl Bal | 3 Fees | 1 Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Linea Agil | 20.0%-32.0% annual, Decl Bal | 3 Fees | 1 Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Oportuno | 24.0%-36.0% annual, Decl Bal | 3 Fees | 1 Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Temporada | 32.0%-36.0% annual, Decl Bal | 3 Fees | 1 Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Transporte | 18.0%-32.0% annual, Decl Bal | 3 Fees | 1 Ins | 15.00% Principal | N/A | 0% | 0% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Loan | 36.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0% upfront 200.00 ongoing | 44.6% - 46.2% | 55% - 56.5% | 64 | ||||||||
General Business Loan | 40.0% annual, Flat | 1 Fee | 2 Ins | None | 40.00 ongoing | 88% - 92.6% | 105.8% - 189.6% | 32 | ||||||||
Livestock Loan | 36.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0% upfront 200.00 ongoing | 44.6% - 46.5% | 55.1% - 61.4% | 62 | ||||||||
Salary Loan | 36.0% annual, Flat | 1 Fee | 2 Ins | None | N/A | 66.7% - 68.4% | 73.2% - 79.3% | 47 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Asalariado | 24.0%-36.0% annual, Decl Bal | 3 Fees | 1 Ins Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Asociativo | 18.0%-20.0% annual, Decl Bal | 3 Fees | 1 Ins Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Independiente | 20.0%-36.0% annual, Decl Bal | 3 Fees | 1 Ins Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Linea Agil | 20.0%-32.0% annual, Decl Bal | 3 Fees | 1 Ins Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Oportuno | 24.0%-36.0% annual, Decl Bal | 3 Fees | 1 Ins Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Temporada | 32.0%-36.0% annual, Decl Bal | 3 Fees | 1 Ins Ins | 15.00% Principal | N/A | 0% | 0% | N/A | ||||||||
Transporte | 18.0%-32.0% annual, Decl Bal | 3 Fees | 1 Ins Ins | 15.00% Principal | N/A | 0% | 0% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Loan | 36.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.0% upfront 200.00 ongoing | 44.6% - 46.2% | 55% - 56.5% | 64 | ||||||||
General Business Loan | 40.0% annual, Flat | 1 Fee | 2 Ins Ins | None | 40.00 ongoing | 88% - 92.6% | 105.8% - 189.6% | 32 | ||||||||
Livestock Loan | 36.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.0% upfront 200.00 ongoing | 44.6% - 46.5% | 55.1% - 61.4% | 62 | ||||||||
Salary Loan | 36.0% annual, Flat | 1 Fee | 2 Ins Ins | None | N/A | 66.7% - 68.4% | 73.2% - 79.3% | 47 |
Key Statistics | |
---|---|
# Samples: | |
# Products | |
# Institutions | |
# Countries | |
# Borrowers | |
Loan Portfolio (USD) | |
% Products using declining balance | |
% Products with one or more fee | |
% Products with one or more insurances | |
% Products with compulsory deposits |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
---|---|---|---|---|---|---|---|