2. COAC MCCH
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  2. ECLOF
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Institution

Cooperativa de Ahorro y Crédito Maquita Cushunchic Ltda. Av. Cardenal de la Torre S15-111 y AjavíQuito, Pichincha
Data approved: 2010-11-08
Data version: 1
Age of data: 163 months

Institution

Ecumenical Church Foundation, Inc. Rm. 200 BLVDM Ecumenical Center879 EDSA, West TriangleQuezon City, Metro Manila1104
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?No
Website addressN/A
Year established1998
Head of InstitutionVerónica Albarracín
Regions active
# Branches5

Total Portfolio (nat'l)USD 10,020,807
Total Portfolio (USD)USD 10,020,807
Active clients with loans5,383
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsRed Financiera Rural, Red Nacional de Finanzas Populares y Solidarias del Ecuador, Conzorcio Etimos
FundersFondo Hivos Triodos, Red Nacional de Finanzas Populares y Solidarias del Ecuador, Conzorcio Etimos

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.eclofphils.com/
Year established1995
Head of InstitutionLucrecio D. Delgado, Jr.
Regions active
# Branches10

Total Portfolio (nat'l)PhP 112,151,935
Total Portfolio (USD)USD 2,683,060.65
Active clients with loans5,476
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsECLOF International, National Council of Churches in the Philippines, Microfinance Council of the Philippines, Inc., FPSDC
FundersECLOF International, National Council of Churches in the Philippines, Church of Sweden

Loan Products » Summary

Microempresa
2,498 Borrowers
USD 5,512,458 Portfolio
Active Product
Familiar
2,885 Borrowers
USD 4,508,349 Portfolio
Active Product

Loan Products » Summary

Agi Carabao
110 Borrowers
USD 70,642.39 Portfolio
Active Product
Agriculture
4,063 Borrowers
USD 1,293,615.12 Portfolio
Active Product
Individual
1,043 Borrowers
USD 433,629 Portfolio
Active Product
SMID
278 Borrowers
USD 38,679.74 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Crédito microempresa USD 80 - 10,000 3 - 36 40% - 60% 40% - 60% Any Purpose Women, Men, Have business Credit Ins
Desarrollo Familiar USD 80 - 10,000 3 - 36 40% - 60% 60% - 80% Any Purpose Women, Men, Salaried worker, Beneficiario de una jubilación, monte pio o similares. Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Asset Acquisition and Carabao Loan PHP 10,000 - 100,000 24 60% - 80% 0% - 20% Business, Leasing or purchase of agricultural equipment, Purchase of carabao Women, Men, Have business, Farmer-client who are at least on their 3rd cycle up Group Mtgs, Credit Ins, Tech Asst Visits, Other Training, Sustainable Agriculture practices (organic farming)
Agricultural Production Loan PHP 5,000 - 150,000 4 - 12 60% - 80% 0% - 20% Business Women, Men, Have business, Must have a farm to manage Credit Educ, Credit Ins, Other Training, Sustainable Agriculture practices (organic farming)
Micro Individual Loans PHP 15,000 - 150,000 3 - 12 80% - 100% 60% - 80% Business Women, Men, Have business Credit Educ, Credit Ins, Business Training, Burial Assistance
SMID PHP 5,000 - 50,000 3 - 6 60% - 80% 80% - 100% Business Women, Men, Have business Credit Educ, Credit Ins, Tech Asst Visits, Burial Assistance

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito microempresa 22.9% annual, Decl Bal 1 Fee 0 Ins None N/A 17.3% - 25.4% 18% - 26.2% 96
Desarrollo Familiar 15.1% annual, Decl Bal 1 Fee 0 Ins None N/A 15.3% - 15.5% 15.6% - 16.8% 94

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Asset Acquisition and Carabao Loan 24.0%-30.0% annual, Flat 1 Fee 1 Ins None 10.00% ongoing 46.9% - 47.1% 52.5% - 53.2% 45
Agricultural Production Loan 36.0% annual, Flat 1 Fee 1 Ins None 10.00% ongoing 42.9% - 44.3% 44.8% - 46.1% 78
Micro Individual Loans 36.0%-42.0% annual, Flat 1 Fee 1 Ins None 1.00% ongoing 72.9% - 116.5% 82.9% - 122.7% 36
SMID 36.0%-54.0% annual, Flat 1 Fee 1 Ins None 1.00% ongoing 127.4% - 142.7% 135.9% - 151.3% 25

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito microempresa 22.9% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 17.3% - 25.4% 18% - 26.2% 96
Desarrollo Familiar 15.1% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 15.3% - 15.5% 15.6% - 16.8% 94

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Asset Acquisition and Carabao Loan 24.0%-30.0% annual, Flat 1 Fee 1 Ins Ins None 10.00% ongoing 46.9% - 47.1% 52.5% - 53.2% 45
Agricultural Production Loan 36.0% annual, Flat 1 Fee 1 Ins Ins None 10.00% ongoing 42.9% - 44.3% 44.8% - 46.1% 78
Micro Individual Loans 36.0%-42.0% annual, Flat 1 Fee 1 Ins Ins None 1.00% ongoing 72.9% - 116.5% 82.9% - 122.7% 36
SMID 36.0%-54.0% annual, Flat 1 Fee 1 Ins Ins None 1.00% ongoing 127.4% - 142.7% 135.9% - 151.3% 25
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