Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.cidre.org.bo/ |
Year established | 1990 |
Head of Institution | Alvaro Moscoso Blanco |
Regions active | Chuquisaca , Cochabamba , La Paz , Oruro , Potosí, Santa Cruz, Tarija |
# Branches | 18 |
Total Portfolio (nat'l) | BOB 854,406,455 |
Total Portfolio (USD) | USD 126,578,734.10 |
Active clients with loans | 8,530 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 20% - 40% |
Network affiliations | FINRURAL |
Funders | Banco Interamericano de Desarrollo (BID), Kiva, Oikocredit, Banco de Desarrollo Productivo (BDP S.A.M.) |
Institution Type | Credit Union / Cooperative |
Is this institution regulated? | Yes |
Website address | http://www.paglaumcoop.org.ph/ |
Year established | 1992 |
Head of Institution | Gadwin E. Handumon |
Regions active | |
# Branches | 14 |
Total Portfolio (nat'l) | PhP 247,944,967 |
Total Portfolio (USD) | USD 5,931,697.78 |
Active clients with loans | 21,775 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 0% - 20% |
Network affiliations | MASS-SPECC, NATTCO, Association of Asean Confederation of Credit Unions (AACCU), Microfinance Council of the Philippines, Inc. (MCPI) |
Funders |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Credito de Consumo (BOB) | BOB 2,000 - 362,000 | 12 - 60 | 0% - 20% | 0% - 20% | Any Purpose | Women, Men | Credit Ins | |||||||
Credito de Consumo (USD) | USD 200 - 10,000 | 12 - 60 | 0% - 20% | 0% - 20% | Any Purpose | Women, Men | Credit Ins | |||||||
Credito Hipotecaria (BOB) | BOB 3,500 - 843,200 | 12 - 96 | 0% - 20% | 0% - 20% | Housing | Women, Men | Credit Ins | |||||||
Credito Hipotecaria (USD) | USD 1,200 - 68,000 | 12 - 84 | 0% - 20% | 0% - 20% | Housing | Women, Men | Credit Ins | |||||||
Microcredito para Comercio y Servicios (BOB) | BOB 3,000 - 890,000 | 6 - 60 | 20% - 40% | 20% - 40% | Business, Para actividades de comercio y servicios | Women, Men, Have business | Credit Ins | |||||||
Microcredito para Comercio y Servicios (USD) | USD 500 - 126,000 | 6 - 60 | 0% - 20% | 0% - 20% | Business | Women, Men, Have business | Credit Ins, Business Training | |||||||
Microcredito Productivo (BOB) | BOB 3,400 - 892,956 | 6 - 60 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business | Credit Ins | |||||||
Microcredito Productivo (USD) | USD 500 - 150,000 | 6 - 60 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business | Credit Ins |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Barangay Official Livelihood Assistance | PHP 500 - 15,000 | 6 - 36 | 60% - 80% | 0% - 20% | Any Purpose | Women, Men, Barangay Officials | Credit Educ, Credit Ins | |||||||
Emergency Loan | PHP 500 - 2,000 | 3 - 6 | 60% - 80% | 0% - 20% | Other, Open to all regular and PDP members who are MIGS i, < 60 years | Women, Men | Group Mtgs | |||||||
Housing Loan Program | PHP 50,000 - 300,000 | 12 - 26 | 80% - 100% | 0% - 20% | Housing | Women, Men | Credit Educ, Credit Ins | |||||||
MEDAL 1 | PHP 5,000 - 5,000 | 3 - 6 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business, Must be Coop member | Credit Educ, Group Mtgs, Credit Ins | |||||||
Motorcycle Loan | PHP 60,000 - 120,000 | 12 - 36 | 60% - 80% | 0% - 20% | Consumer | Women, Men, Must have MIGS status, Must be Coop member | Credit Educ, Credit Ins | |||||||
Pension Loan | PHP 10,000 - 100,000 | 6 - 24 | 40% - 60% | 0% - 20% | Any Purpose | Women, Men, Must be pension holder, Must be <80 years | Credit Educ, Credit Ins | |||||||
Project Loan (Micro-Regular Loan) | PHP 500 - 150,000 | 3 - 18 | 80% - 100% | 0% - 20% | Business | Women, Men, Must be Coop member | Credit Educ, Credit Ins | |||||||
Regular Loan | PHP 500 - 1,000,000 | 1 - 36 | 60% - 80% | 0% - 20% | Business, Housing, Consumer, Education, Other | Women, Men, Must be Coop member | Credit Educ, Credit Ins, Tech Asst Visits, Business Training |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Credito de Consumo (BOB) | 16.0%-27.0% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 17.1% - 26.7% | 17.1% - 27.3% | 71 | ||||||||
Credito de Consumo (USD) | 16.0%-25.0% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 24.7% | 25.3% | 63 | ||||||||
Credito Hipotecaria (BOB) | 17.0%-25.0% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 18.2% - 22.4% | 18.8% - 23% | 81 | ||||||||
Credito Hipotecaria (USD) | 17.0%-25.0% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 18.1% - 19.7% | 18.6% - 20.3% | 87 | ||||||||
Microcredito para Comercio y Servicios (BOB) | 18.0%-26.0% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 20.4% - 25.4% | 20.9% - 26% | 76 | ||||||||
Microcredito para Comercio y Servicios (USD) | 18.0%-27.0% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 18% - 26.7% | 18.6% - 27.3% | 80 | ||||||||
Microcredito Productivo (BOB) | 18.0%-27.0% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 18% - 26.7% | 18.6% - 27.3% | 83 | ||||||||
Microcredito Productivo (USD) | 18.0%-27.0% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 18.9% - 21.7% | 19.4% - 22.4% | 86 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Barangay Official Livelihood Assistance | 22.8% annual, Flat | 2 Fees | 2 Ins | None | 6.5% upfront 26.00 ongoing | 44.9% - 52.7% | 59.2% - 79.8% | 35 | ||||||||
Emergency Loan | 30.0% annual, Flat | 2 Fees | 2 Ins | None | 6.5% upfront | 76% - 81.7% | 174% - 194.8% | 16 | ||||||||
Housing Loan Program | 21.0% annual, Decl Bal | 2 Fees | 2 Ins | None | 6.5% upfront | 24.4% - 24.5% | 31.1% - 34.2% | 64 | ||||||||
MEDAL 1 | 30.0%-36.0% annual, Flat | 2 Fees | 2 Ins | None | 6.5% upfront 26.00 ongoing | 13.4% - 84.8% | 22.1% - 114.2% | 68 | ||||||||
Motorcycle Loan | 21.0% annual, Decl Bal | 2 Fees | 2 Ins | None | 6.5% upfront 26.00 ongoing | 24.5% | 31.6% - 33.4% | 65 | ||||||||
Pension Loan | 36.0% annual, Flat | 2 Fees | 2 Ins | None | 6.5% upfront 26.00 ongoing | 61.6% - 70.8% | 70.1% - 85.5% | 47 | ||||||||
Project Loan (Micro-Regular Loan) | 30.0% annual, Flat | 2 Fees | 2 Ins | None | 6.5% upfront 26.00 ongoing | 55.1% - 79.9% | 66.2% - 175.4% | 32 | ||||||||
Regular Loan | 36.0% annual, Flat | 2 Fees | 2 Ins | None | 6.5% upfront 26.00 ongoing | 69.9% - 88.7% | 83.2% - 122.6% | 37 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Credito de Consumo (BOB) | 16.0%-27.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 17.1% - 26.7% | 17.1% - 27.3% | 71 | ||||||||
Credito de Consumo (USD) | 16.0%-25.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 24.7% | 25.3% | 63 | ||||||||
Credito Hipotecaria (BOB) | 17.0%-25.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 18.2% - 22.4% | 18.8% - 23% | 81 | ||||||||
Credito Hipotecaria (USD) | 17.0%-25.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 18.1% - 19.7% | 18.6% - 20.3% | 87 | ||||||||
Microcredito para Comercio y Servicios (BOB) | 18.0%-26.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 20.4% - 25.4% | 20.9% - 26% | 76 | ||||||||
Microcredito para Comercio y Servicios (USD) | 18.0%-27.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 18% - 26.7% | 18.6% - 27.3% | 80 | ||||||||
Microcredito Productivo (BOB) | 18.0%-27.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 18% - 26.7% | 18.6% - 27.3% | 83 | ||||||||
Microcredito Productivo (USD) | 18.0%-27.0% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 18.9% - 21.7% | 19.4% - 22.4% | 86 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Barangay Official Livelihood Assistance | 22.8% annual, Flat | 2 Fees | 2 Ins Ins | None | 6.5% upfront 26.00 ongoing | 44.9% - 52.7% | 59.2% - 79.8% | 35 | ||||||||
Emergency Loan | 30.0% annual, Flat | 2 Fees | 2 Ins Ins | None | 6.5% upfront | 76% - 81.7% | 174% - 194.8% | 16 | ||||||||
Housing Loan Program | 21.0% annual, Decl Bal | 2 Fees | 2 Ins Ins | None | 6.5% upfront | 24.4% - 24.5% | 31.1% - 34.2% | 64 | ||||||||
MEDAL 1 | 30.0%-36.0% annual, Flat | 2 Fees | 2 Ins Ins | None | 6.5% upfront 26.00 ongoing | 13.4% - 84.8% | 22.1% - 114.2% | 68 | ||||||||
Motorcycle Loan | 21.0% annual, Decl Bal | 2 Fees | 2 Ins Ins | None | 6.5% upfront 26.00 ongoing | 24.5% | 31.6% - 33.4% | 65 | ||||||||
Pension Loan | 36.0% annual, Flat | 2 Fees | 2 Ins Ins | None | 6.5% upfront 26.00 ongoing | 61.6% - 70.8% | 70.1% - 85.5% | 47 | ||||||||
Project Loan (Micro-Regular Loan) | 30.0% annual, Flat | 2 Fees | 2 Ins Ins | None | 6.5% upfront 26.00 ongoing | 55.1% - 79.9% | 66.2% - 175.4% | 32 | ||||||||
Regular Loan | 36.0% annual, Flat | 2 Fees | 2 Ins Ins | None | 6.5% upfront 26.00 ongoing | 69.9% - 88.7% | 83.2% - 122.6% | 37 |
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