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Institution

CIDRE Calle Juan de la Cruz Torrez # 1674Cochabamba, Cercado28034
Data approved: 2010-10-28
Data version: 1
Age of data: -   months 

Institution

Katipunan Bank (ZN), Inc Quezon Ave. cor. Aguilar St.MiputakDipolog City, Zamboanga del Norte/Region IX7100
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.cidre.org.bo/
Year established1981
Head of InstitutionAlvaro Moscoso Blanco
Regions active0
# Branches11

Total Portfolio (nat'l)BOB 100,003,465.30
Total Portfolio (USD)USD 14,599,046.03
Active clients with loans3,488
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsFINRURAL
FundersBanco Interamericano de Desarrollo (BID), KIVA, Oikocredit, Babco de Desarrollo Productivo (BDP S.A.M.)

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addressN/A
Year established1979
Head of InstitutionLeticia G. Loquinario
Regions active
# Branches10

Total Portfolio (nat'l)PhP 824,435,000
Total Portfolio (USD)USD 19,723,325.36
Active clients with loans57,276
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsRural Bankers Association of the Philippines (RBAP), Microenterprise Access to Banking Services (MABS), Zamboanga del Norte Federation of Rural Banks
Funders

Loan Products » Summary

54 Borrowers
USD 93,135.15 Portfolio
Active Product
113 Borrowers
USD 301,014.41 Portfolio
Active Product
91 Borrowers
USD 755,374.25 Portfolio
Active Product
72 Borrowers
USD 213,076.20 Portfolio
Active Product
432 Borrowers
USD 2,816,538.67 Portfolio
Active Product
176 Borrowers
USD 504,708.36 Portfolio
Active Product
2,270 Borrowers
USD 9,642,380.14 Portfolio
Active Product
4 Borrowers
USD 36,054.21 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

5,719 Borrowers
USD 1,795,761.96 Portfolio
Active Product
36,402 Borrowers
USD 3,529,482.25 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credito de Consumo (BOB) BOB 1,414 - 70,700 12 - 60 0% - 20% 0% - 20% Any Purpose Women, Men, Capcidad de pago Credit Ins
Credito de Consumo (USD) USD 200 - 10,000 12 - 60 0% - 20% 0% - 20% Any Purpose Women, Men, Capacidad de pago Credit Ins
Credito Hipotecaria (USD) USD 1,000 - 43,000 12 - 84 0% - 20% 0% - 20% Housing Women, Men, Capacidad de pago Credit Ins
Microcredito para Comercio y Servicios (BOB) BOB 1,414 - 70,700 6 - 60 20% - 40% 20% - 40% Business, Para actividades de comercio y servicios Women, Men, Have business, Debe tener capacidad de pago Credit Ins
Microcredito para Comercio y Servicios (USD) USD 200 - 10,000 6 - 60 0% - 20% 0% - 20% Business Women, Men, Have business, Capcidad de pago Credit Ins, Business Training
Microcredito Productivo (BOB) BOB 1,414 - 70,700 6 - 60 40% - 60% 0% - 20% Business Women, Men, Have business, Debe tener capacidad de pago. Credit Ins
Microcredito Productivo (USD) USD 200 - 10,000 6 - 60 60% - 80% 0% - 20% Business Women, Men, Have business, Capacidad de pago Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
ASENSO Loan PHP 10,000 - 150,000 1 - 12 60% - 80% 40% - 60% Business Women, Men, Have business, Specific age group, 18-65 years old Business Training, Other Training, Tie-up with other agencies (DTI, TESDA) for trainings
Proyekto Maasenso PHP 1,000 - 50,000 3 - 6 80% - 100% 40% - 60% Business Women, Have business, Specific age group, 18-65 years old Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Livelihood, Leadership Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credito de Consumo (BOB) 25.0%-28.0% annual, Decl Bal 1 Fee 0 Ins None N/A 0% 0% N/A
Credito de Consumo (USD) 23.0%-26.0% annual, Decl Bal 1 Fee 0 Ins 15.00% Principal N/A 0% 0% N/A
Credito Hipotecaria (USD) 18.0% annual, Decl Bal 1 Fee 0 Ins 15.00% Principal N/A 0% 0% N/A
Microcredito para Comercio y Servicios (BOB) 24.0%-28.0% annual, Decl Bal 0 Fees 1 Ins None N/A 0% 0% N/A
Microcredito para Comercio y Servicios (USD) 22.0%-26.0% annual, Decl Bal 0 Fees 1 Ins 15.00% interest N/A 0% 0% N/A
Microcredito Productivo (BOB) 20.0%-22.0% annual, Decl Bal 0 Fees 1 Ins None N/A 0% 0% N/A
Microcredito Productivo (USD) 18.0%-20.5% annual, Decl Bal 0 Fees 1 Ins 15.00% Principal N/A 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
ASENSO Loan 30.0% annual, Flat 2 Fees 2 Ins None 100.00 upfront 10.00% ongoing 66.1% - 74.4% 79.2% - 103.5% 34
Proyekto Maasenso 30.0% annual, Flat 1 Fee 2 Ins None 100.00 upfront 45.00 ongoing 78.9% - 97.7% 92.2% - 179.2% 24

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credito de Consumo (BOB) 25.0%-28.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 0% 0% N/A
Credito de Consumo (USD) 23.0%-26.0% annual, Decl Bal 1 Fee 0 Ins Ins 15.00% Principal N/A 0% 0% N/A
Credito Hipotecaria (USD) 18.0% annual, Decl Bal 1 Fee 0 Ins Ins 15.00% Principal N/A 0% 0% N/A
Microcredito para Comercio y Servicios (BOB) 24.0%-28.0% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 0% 0% N/A
Microcredito para Comercio y Servicios (USD) 22.0%-26.0% annual, Decl Bal 0 Fees 1 Ins Ins 15.00% interest N/A 0% 0% N/A
Microcredito Productivo (BOB) 20.0%-22.0% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 0% 0% N/A
Microcredito Productivo (USD) 18.0%-20.5% annual, Decl Bal 0 Fees 1 Ins Ins 15.00% Principal N/A 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
ASENSO Loan 30.0% annual, Flat 2 Fees 2 Ins Ins None 100.00 upfront 10.00% ongoing 66.1% - 74.4% 79.2% - 103.5% 34
Proyekto Maasenso 30.0% annual, Flat 1 Fee 2 Ins Ins None 100.00 upfront 45.00 ongoing 78.9% - 97.7% 92.2% - 179.2% 24
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