2. MILAMDEC
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  2. ACB-SA
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Institution

Aakay ang MILAMDEC Microfinance Foundation, Inc #27 Dahlia StreetIlaya CarmenCagayan de Oro City, Misamis Oriental/Region X9000
Data approved: 2011-11-15
Data version: 1
Age of data: 164 months

Institution

Amasezerano Community Bank P.O.Box 4691KIGALIP.O.Box 4691
Data approved: 2011-10-26
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established1992
Head of InstitutionEngr. Antonio C. Sevillano, Jr.
Regions active
# Branches24

Total Portfolio (nat'l)PhP 124,052,263
Total Portfolio (USD)USD 2,967,757.49
Active clients with loans29,836
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsMicrofinance Council of the Philippines (MCPI), Mindanao Microfinance Council (MMC)
FundersBank of the Philippine Islands (BPI), Development Bank of the Philippines (DBP), Landbank of the Philippines (LBP), Small Business Corporation (SBC)

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addressN/A
Year established2006
Head of InstitutionDaniel Muhimuzi Mugisha
Regions active0
# Branches6

Total Portfolio (nat'l)RWF 747,483,674
Total Portfolio (USD)USD 1,266,921.48
Active clients with loans2,225
Approximate % female clients20% - 40%
Approximate % urban clients60% - 80%
Network affiliationsAMIR, Terrafina
FundersAfrican Evangelical Enterprise, Rwanda

Loan Products » Summary

Agriculture
967 Borrowers
USD 311,004.78 Portfolio
Active Product
Regular
28,869 Borrowers
USD 2,967,757.49 Portfolio
Active Product

Loan Products » Summary

Curuza (Business) MT & LT
91 Borrowers
USD 197,180 Portfolio
Active Product
Ezukame Express PU & PM
40 Borrowers
USD 110,135 Portfolio
Active Product
Hembwa Wage Express
865 Borrowers
USD 49,491 Portfolio
Active Product
Hembwa Wage MT & LT
164 Borrowers
USD 144,625 Portfolio
Active Product
Kaze (Solidarity Group) GS & GS-PU
843 Borrowers
USD 117,649 Portfolio
Active Product
Tunga Women MT & LT
60 Borrowers
USD 270,450 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Loan PHP 20,000 - 60,000 6 - 12 80% - 100% 0% - 20% Business, Agriculture Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Regular Loan PHP 3,000 - 130,000 6 80% - 100% 20% - 40% Business Women, Men, Have business, Have home or land, Salaried worker, Specific age group Credit Educ, Group Mtgs, 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
Curuza (Business) MT & LT RWF 100,000 - 10,000,000 4 - 36 0% - 20% 80% - 100%
Ezukame Express PU & PM 0 0 20% - 40% 20% - 40%
Hembwa Wage Express RWF 5,000 - 500,000 1 - 3 20% - 40% 60% - 80%
Hembwa Wage MT & LT RWF 10,000 - 5,000,000 4 - 36 20% - 40% 60% - 80%
Kaze (Solidarity Group) GS & GS-PU RWF 10,000 - 500,000 3 - 6 40% - 60% 0% - 20%
Tunga Women MT & LT RWF 200,000 - 10,000,000 4 - 36 80% - 100% 40% - 60%

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 20.0% annual, Flat 2 Fees 2 Ins None 30.0% upfront 30.00% ongoing 56.6% 111.6% - 113.9% 18
Regular Loan 20.0% annual, Flat 2 Fees 1 Ins None 30.0% upfront 50.00 ongoing 78.4% - 101.5% 82% - 163.7% 18

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Curuza (Business) MT & LT 15.00% annual, Flat 1 Fee 2 Ins 0% - 45.7% 23.9% - 74.2%
Ezukame Express PU & PM 0.00% annual, 0 0 Fees 0 Ins 0% - 71.7% 29.6% - 72.7%
Hembwa Wage Express 42.00% annual, Flat 1 Fee 2 Ins N/A 74.1% - 80.1% 75.3% - 85.1%
Hembwa Wage MT & LT 15.00% annual, Flat 2 Fees 2 Ins N/A 0% - 53.8% 26.5% - 56.5%
Kaze (Solidarity Group) GS & GS-PU 30.00% annual, Flat 1 Fee 0 Ins 54% - 68.5% 56.7% - 74.1%
Tunga Women MT & LT 13.00% annual, Flat 2 Fees 2 Ins 0% - 42.4% 35% - 74.9%

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 20.0% annual, Flat 2 Fees 2 Ins Ins None 30.0% upfront 30.00% ongoing 56.6% 111.6% - 113.9% 18
Regular Loan 20.0% annual, Flat 2 Fees 1 Ins Ins None 30.0% upfront 50.00 ongoing 78.4% - 101.5% 82% - 163.7% 18

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Curuza (Business) MT & LT 15.00% annual, Flat 1 Fee 2 Ins Ins 0% - 45.7% 23.9% - 74.2%
Ezukame Express PU & PM 0.00% annual, 0 0 Fees 0 Ins Ins 0% - 71.7% 29.6% - 72.7%
Hembwa Wage Express 42.00% annual, Flat 1 Fee 2 Ins Ins N/A 74.1% - 80.1% 75.3% - 85.1%
Hembwa Wage MT & LT 15.00% annual, Flat 2 Fees 2 Ins Ins N/A 0% - 53.8% 26.5% - 56.5%
Kaze (Solidarity Group) GS & GS-PU 30.00% annual, Flat 1 Fee 0 Ins Ins 54% - 68.5% 56.7% - 74.1%
Tunga Women MT & LT 13.00% annual, Flat 2 Fees 2 Ins Ins 0% - 42.4% 35% - 74.9%
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessMultipleLoan PurposeMILAMDECInstitutionPH-002-V01-P01PH-002-V01-P02ProductPHCountry2011YearRange Number1Institution Data Version020,00040,00060,00080,000100,000Loan Size (all)0%50%100%150%Full APR (int fee ins tax dep)> 5,7004,3002,8001,400100Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeAnyBusinessConsumerLoan PurposeACB-SAInstitutionRW-001-V01-P01RW-001-V01-P02RW-001-V01-P03RW-001-V01-P04RW-001-V01-P05RW-001-V01-P06ProductRWCountry2011YearRange Number1Institution Data Version01,000,0002,000,0003,000,0004,000,0005,000,000Loan Size (all)0%20%40%60%80%Full APR (int fee ins tax dep)> 40020020Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Click to view Price Analysis Tool
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Key Statistics
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# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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