Institution

Cooperativa de Comerciantes CL 16 # 8 29Chiquinquira, Boyaca
Data approved: 2011-08-01
Data version: 1
Age of data: 159 months

Institution

GM Bank of Luzon, Inc. Brgy. Dimasalang, Maharlika HighwayCabanatuan City, Nueva Ecija3100
Data approved: 2011-11-16
Data version: 1
Age of data: 151 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addresshttp://www.comerciacoop.coop/
Year established1996
Head of InstitutionJesus Maria Medina Duran
Regions active
# Branches5

Total Portfolio (nat'l)COP 6,506,159,027
Total Portfolio (USD)USD 3,574,812.65
Active clients with loans5,000
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addresshttp://www.gmbank.com.ph/
Year established2004
Head of InstitutionMr. Tomas S. Gomez, IV
Regions active
# Branches40

Total Portfolio (nat'l)PhP 110,367,523
Total Portfolio (USD)USD 2,640,371.36
Active clients with loans23,581
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations
Funders

Loan Products » Summary

357 Borrowers
USD 1,689,259.68 Portfolio
Active Product
302 Borrowers
USD 364,210.21 Portfolio
Active Product
987 Borrowers
USD 1,146,921.32 Portfolio
Active Product
22 Borrowers
USD 55,346.15 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

3,251 Borrowers
USD 1,016.77 Portfolio
Active Product
19,431 Borrowers
USD 1,547,277.39 Portfolio
Active Product
872 Borrowers
USD 5,375.60 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Comercial (COP) COP 200,000 - 107,000,000 1 - 78 40% - 60% 80% - 100% Business Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Business Training, Other Training, CAPITALIZACION APORTES, AHORRO PROGRAMADO
Consumo (COP) COP 200,000 - 12,800,000 1 - 60 40% - 60% 80% - 100% Any Purpose Women, Men, Have home or land, Salaried worker, Codeudor Group Mtgs, Credit Ins, Business Training, Other Training, CAPITALIZACION APORTES, AHORRO PROGRAMADO
Microcredito COP 200,000 - 12,875,000 1 - 36 80% - 100% 60% - 80% Business, CAPITAL DE TRABAJO, LIQUIDEZ, ACTIVOS Women, Men, Have business, MICROEMPRESARIO, COMERCIANTE - INDEPENDIENTES Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, CAPITALIZACION APORTES, AHORRO PROGRAMADO

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
ASAP Loan Program PHP 5,000 - 150,000 3 - 6 60% - 80% 80% - 100% Business Women, Men, Have business, Have home or land, Specific age group Credit Educ
Asenso Loan PHP 3,000 - 50,000 6 60% - 80% 0% - 20% Business Women, Men, Have business, Specific age group Credit Educ, Group Mtgs, Credit Ins, Savings
Micro-Agri Loan Product PHP 8,000 - 80,000 6 - 12 20% - 40% 0% - 20% Business Women, Men, Have business, Have home or land, Specific age group Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Comercial (COP) 10.4%-25.9% annual, Decl Bal 1 Fee 1 Ins None 1.00% ongoing 17.7% - 21.9% 20.2% - 23.2% 48
Consumo (COP) 10.6%-27.5% annual, Decl Bal 1 Fee 1 Ins None 1.00% ongoing 19.9% - 20.4% 22.4% - 25.8% 44
Microcredito 17.3%-29.4% annual, Decl Bal 1 Fee 1 Ins None 3.00% ongoing 26.6% - 33.4% 28.9% - 38.2% 50

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
ASAP Loan Program 30.0%-36.0% annual, Flat 2 Fees 1 Ins 5.00% loan amt 100.00 upfront 10.00% ongoing 72% - 93.2% 91.4% - 120.1% 29
Asenso Loan 25.9% annual, Flat 2 Fees 2 Ins 5.00% loan amt 100.00 upfront 16.00% ongoing 75.5% - 100.5% 107% - 142.7% 21
Micro-Agri Loan Product 30.0% annual, Flat 2 Fees 1 Ins 5.00% loan amt 100.00 upfront 10.00% ongoing 42.4% - 64.5% 56.6% - 85.8% 42

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Comercial (COP) 10.4%-25.9% annual, Decl Bal 1 Fee 1 Ins Ins None 1.00% ongoing 17.7% - 21.9% 20.2% - 23.2% 48
Consumo (COP) 10.6%-27.5% annual, Decl Bal 1 Fee 1 Ins Ins None 1.00% ongoing 19.9% - 20.4% 22.4% - 25.8% 44
Microcredito 17.3%-29.4% annual, Decl Bal 1 Fee 1 Ins Ins None 3.00% ongoing 26.6% - 33.4% 28.9% - 38.2% 50

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
ASAP Loan Program 30.0%-36.0% annual, Flat 2 Fees 1 Ins Ins 5.00% loan amt 100.00 upfront 10.00% ongoing 72% - 93.2% 91.4% - 120.1% 29
Asenso Loan 25.9% annual, Flat 2 Fees 2 Ins Ins 5.00% loan amt 100.00 upfront 16.00% ongoing 75.5% - 100.5% 107% - 142.7% 21
Micro-Agri Loan Product 30.0% annual, Flat 2 Fees 1 Ins Ins 5.00% loan amt 100.00 upfront 10.00% ongoing 42.4% - 64.5% 56.6% - 85.8% 42
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Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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