2. PCSD
Please note that the information you are viewing is 164 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Union RB
Please note that the information you are viewing is 145 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

People's Center for Sustainable Development Purok 3, ArimbayLegaspi City, Albay4500
Data approved: 2011-11-15
Data version: 1
Age of data: 164 months

Institution

Union Rural Bank Limited P.O.Box5Senya- Bereku, Central Region233
Data approved: 2011-12-07
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 established1995
Head of InstitutionMarilyn Operio
Regions active
# Branches3

Total Portfolio (nat'l)PhP 9,202,747
Total Portfolio (USD)USD 220,161.41
Active clients with loans925
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliations
FundersOikocredit

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addressN/A
Year established1999
Head of InstitutionPaul Kojo Kombian
Regions active0
# Branches7

Total Portfolio (nat'l)GHS 4,045,746
Total Portfolio (USD)USD 2,697,164
Active clients with loans9,050
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsARB APEX, GHAMFIN, Freedom from Hunger
FundersOikoCredit, SPEED Ghana, ARB APEX BANK

Loan Products » Summary

Livelihood
717 Borrowers
USD 167,464.11 Portfolio
Active Product

Loan Products » Summary

Group Loan
1,413 Borrowers
USD 478,577 Portfolio
Active Product
Personal Loan
7,637 Borrowers
USD 2,218,587 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Livelihood Loan PHP 1,000 - 60,000 1 - 12 80% - 100% 20% - 40% Business Women, Men, Have business, Has no history of loan delinquency Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Other Training, Social Services, Spiritual formation (Bible study), Environmental projects - maintenance of forest park, tree planting, waste management, skills trainin

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Group Loan GHS 500 - 5,000 4 - 6 80% - 100% 40% - 60%
Personal Loan GHS 100 - 23,000 1 - 36 60% - 80% 40% - 60%

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Livelihood Loan 24.0%-36.0% annual, Flat 2 Fees 2 Ins None 2.0% upfront 100.00 ongoing 48.1% - 95.4% 88.9% - 175.8% 21

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loan 48.00%-0.00% annual, Flat 1 Fee 0 Ins 97.9% - 106.1% 116% - 125.6% 39
Personal Loan 32.00%-0.00% annual, Flat 1 Fee 1 Ins 63.5% - 114.7% 78.4% - 143.9% 32

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Livelihood Loan 24.0%-36.0% annual, Flat 2 Fees 2 Ins Ins None 2.0% upfront 100.00 ongoing 48.1% - 95.4% 88.9% - 175.8% 21

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loan 48.00%-0.00% annual, Flat 1 Fee 0 Ins Ins 97.9% - 106.1% 116% - 125.6% 39
Personal Loan 32.00%-0.00% annual, Flat 1 Fee 1 Ins Ins 63.5% - 114.7% 78.4% - 143.9% 32
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposePCSDInstitutionPH-036-V01-P01ProductPHCountry2011YearRange Number1Institution Data Version010,00020,00030,00040,00050,00060,000Loan Size (all)0%50%100%150%Full APR (int fee ins tax dep)> 20010010Number 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 TypeBusinessMultipleLoan PurposeUnion RBInstitutionGH-044-V01-P01GH-044-V01-P02ProductGHCountry2011YearRange Number1Institution Data Version05,00010,00015,00020,000Loan Size (all)0%50%100%150%Full APR (int fee ins tax dep)> 1,5001,10070030040Number 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
# 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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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