| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.oportunity.org/ |
| Year established | 2005 |
| Head of Institution | Ian Campbell |
| Regions active | 0 |
| # Branches | 19 |
| Total Portfolio (nat'l) | MT 156,407,961.90 |
| Total Portfolio (USD) | USD 5,045,418.13 |
| Active clients with loans | 12,358 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | Opportunity International, AMOMIF |
| Funders | Opportunity International UK, CIDA, DFID, UE |
| Institution Type | RurBank |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 1970 |
| Head of Institution | Praxedes Asuncion-Ignacio, DBM |
| Regions active | |
| # Branches | 17 |
| Total Portfolio (nat'l) | PhP 27,090,831.76 |
| Total Portfolio (USD) | USD 648,106.02 |
| Active clients with loans | 6,570 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Microfinance Council of the Philippines, Inc., Rural Bankers Association of the Philippines |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Agricultura | MZN 1,512 - 13,485 | 2 - 12 | 40% - 60% | 0% - 20% | Business, Agriculture | Women, Men, Have business | Credit Educ, Group Mtgs | |||||||
| Credito Individual | MZN 5,000 - 103,093 | 4 - 12 | 40% - 60% | 80% - 100% | Business | Women, Men, Have business | Credit Ins | |||||||
| Credito Solidario | MZN 1,000 - 12,180 | 4 - 12 | 0% | 60% - 80% | Business | Women, Men, Have business |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Masipag Loan | PHP 5,000 - 100,000 | 3 - 12 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business | Tech Asst Visits, Business Training | |||||||
| Micropinay | PHP 5,000 - 50,000 | 2 - 12 | 80% - 100% | 0% - 20% | Business | Women, Have business | Group Mtgs, Tech Asst Visits, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Agricultura | 36.0% annual, Decl Bal | 1 Fee | 0 Ins | 1.00% loan amt | 15.0% upfront | 0% | 0% | N/A | ||||||||
| Credito Individual | 66.0% annual, Decl Bal | 1 Fee | 1 Ins | 1.00% loan amt | N/A | 0% | 0% | N/A | ||||||||
| Credito Solidario | 36.0% annual, Flat | 1 Fee | 0 Ins | 1.00% loan amt | 15.0% upfront | 0% | 0% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Masipag Loan | 30.0% annual, Flat | 2 Fees | 1 Ins | 5.00% loan amt | 5.00% ongoing | 81.2% - 86.8% | 103% - 137.3% | 25 | ||||||||
| Micropinay | 24.0% annual, Flat | 2 Fees | 1 Ins | 5.00% loan amt | 5.00% ongoing | 72.8% - 75.5% | 85.1% - 86.8% | 28 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito Agricultura | 36.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 1.00% loan amt | 15.0% upfront | 0% | 0% | N/A | ||||||||
| Credito Individual | 66.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 1.00% loan amt | N/A | 0% | 0% | N/A | ||||||||
| Credito Solidario | 36.0% annual, Flat | 1 Fee | 0 Ins Ins | 1.00% loan amt | 15.0% upfront | 0% | 0% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Masipag Loan | 30.0% annual, Flat | 2 Fees | 1 Ins Ins | 5.00% loan amt | 5.00% ongoing | 81.2% - 86.8% | 103% - 137.3% | 25 | ||||||||
| Micropinay | 24.0% annual, Flat | 2 Fees | 1 Ins Ins | 5.00% loan amt | 5.00% ongoing | 72.8% - 75.5% | 85.1% - 86.8% | 28 |
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