2. SCCI
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  2. PMPC
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Institution

SWAWS Credit Corporation India Private Limited D.No.9-1-129/1, 2nd Floor , Oxford PlazaSD Road , SecunderabadSecunderabad, Andhra Pradesh500003
Data approved: 2010-10-25
Data version: 1
Age of data: -   months 
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Institution

Paglaum Multi Purpose Cooperative 2F PMPC Bldg., Eastern LoocPlaridel, Misamis Occidental7209
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.sccimicrofinance.com/
Year established1995
Head of InstitutionMrs. R.Girija
Regions active0
# Branches83

Total Portfolio (nat'l)INR 892,862,262
Total Portfolio (USD)USD 19,841,383.60
Active clients with loans121,066
Approximate % female clients80% - 100%
Approximate % urban clients60% - 80%
Network affiliationsMFIN

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addresshttp://www.paglaumcoop.org.ph/
Year established1992
Head of InstitutionGadwin E. Handumon
Regions active
# Branches14

Total Portfolio (nat'l)PhP 247,944,967
Total Portfolio (USD)USD 5,931,697.78
Active clients with loans21,775
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsMASS-SPECC, NATTCO, Association of Asean Confederation of Credit Unions (AACCU), Microfinance Council of the Philippines, Inc. (MCPI)
Funders

Loan Products » Summary

Fortnightly
21,038 Borrowers
USD 3,618,791 Portfolio
Active Product
Monthly JLG
5,193 Borrowers
USD 1,032,600 Portfolio
Active Product
Weekly
94,660 Borrowers
USD 15,120,264 Portfolio
Active Product

Loan Products » Summary

Barangay
670 Borrowers
USD 245,934.02 Portfolio
Active Product
Emergency
589 Borrowers
USD 16,991.70 Portfolio
Active Product
Housing
491 Borrowers
USD 452,572.75 Portfolio
Active Product
MEDAL
1,520 Borrowers
USD 88,541.15 Portfolio
Active Product
Motorcycle
219 Borrowers
USD 193,819.49 Portfolio
Active Product
Pension
2,073 Borrowers
USD 796,964.55 Portfolio
Active Product
Project Loan
12,767 Borrowers
USD 1,581,371.55 Portfolio
Active Product
Regular
5,185 Borrowers
USD 2,189,284.21 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Fortnightly Loan INR 10,000 - 10,000 12 - 13 80% - 100% 60% - 80% Any Purpose Women Credit Educ, Group Mtgs, Credit Ins
Monthly JLG INR 8,000 - 16,000 8 - 10 80% - 100% 60% - 80% Any Purpose Women Credit Educ, Group Mtgs, Credit Ins
Weekly JLG INR 10,000 - 26,000 10 - 13 80% - 100% 60% - 80% Any Purpose Women Credit Educ, Group Mtgs, Credit Ins

Loan Products » Conditions

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

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Fortnightly Loan 0% 0% 0% N/A
Monthly JLG 0% 0% 0% N/A
Weekly JLG 0% 0% 0% N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Fortnightly Loan 13.5% annual, Flat 1 Fee 0 Ins None N/A 0% 0% N/A
Monthly JLG 13.5% annual, Flat 1 Fee 0 Ins None N/A 0% 0% N/A
Weekly JLG 12.5% annual, Flat 1 Fee 0 Ins None 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
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

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Fortnightly Loan 0% 0% 0% N/A
Monthly JLG 0% 0% 0% N/A
Weekly JLG 0% 0% 0% N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Fortnightly Loan 13.5% annual, Flat 1 Fee 0 Ins Ins None N/A 0% 0% N/A
Monthly JLG 13.5% annual, Flat 1 Fee 0 Ins Ins None N/A 0% 0% N/A
Weekly JLG 12.5% annual, Flat 1 Fee 0 Ins Ins None 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
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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