2. 1st Valley Bank
Please note that the information you are viewing is 151 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. OIBM
Please note that the information you are viewing is 136 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

1st Valley Bank, Inc. A Rural Bank Vamenta Blvd. corner Lirio St.CarmenCagayan de Oro City, Misamis Oriental8000
Data approved: 2011-11-23
Data version: 1
Age of data: 151 months

Institution

Opportunity Bank of Malawi Private Bag A71Lilongwe, Central
Data approved: 2012-11-29
Data version: 2
Age of data: 136 months
Choose version

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addresshttp://www.1stvalleybank.com/
Year established1956
Head of InstitutionAtty. Nicolas J. Lim
Regions active
# Branches23

Total Portfolio (nat'l)PhP 3,284,057,363
Total Portfolio (USD)USD 78,565,965.62
Active clients with loans70,630
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsBangko Sentral ng Pilipinas (BSP), Rural Bankers Association of the Philippines (RBAP), Microenterprise Access to Banking Services (MABS), Microfinance Council of the Philippines, Inc. (MCPI)
Funders

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.oibm.mw/
Year established2003
Head of InstitutionCosmus Kowuoche
Regions activeDedza, Dowa, Kasungu, Lilongwe, Mchinji, Nkhotakota, Salima, ChitipaKaronga, Mzimba, Nkhata Bay, Rumphi, Blantyre, ChikwawaMangochi, Mulanje
# Branches33

Total Portfolio (nat'l)MWK 3,598,720,264
Total Portfolio (USD)USD 9,227,487.86
Active clients with loans52,649
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsOpportunity International, MAMN, Bankers Association of Malawi
FundersOpportunity Transformation Investment, Opportunity Microfinance Investment, Trust for Transformation, Africap

Loan Products » Summary

Barangay
12,175 Borrowers
USD 8,437,978.06 Portfolio
Active Product
DepEd
22,118 Borrowers
USD 38,714,006.10 Portfolio
Active Product
Microfinance
4,702 Borrowers
USD 1,139,084.90 Portfolio
Active Product

Loan Products » Summary

Agriculture
10,659 Borrowers
USD 1,894,842.67 Portfolio
Active Product
Maziko
34,795 Borrowers
USD 1,628,382.90 Portfolio
Active Product
Mzati
2,306 Borrowers
USD 1,668,409 Portfolio
Active Product
Payroll
3,548 Borrowers
USD 1,315,788.54 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Barangay and LGU Livelihood Loan PHP 10,000 - 250,000 12 - 24 20% - 40% 40% - 60% Business, Agriculture Women, Men, Salaried worker, Specific age group, 18-70 years old, Barangay & LGU Officials Credit Ins
DepEd APDS Loan PHP 20,000 - 250,000 12 - 24 60% - 80% 40% - 60% Any Purpose Women, Men, Salaried worker Credit Ins
Microfinance Loan PHP 3,000 - 150,000 0.9 - 12 80% - 100% 20% - 40% Business, Agriculture, Housing Women, Men, Specific age group, 18-65 years old Credit Ins, Tech Asst Visits

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan MWK 200,000 - 50,000,000 3 - 48 20% - 40% 0% - 20% Business Women, Men, Running a farming enterprise Credit Educ, Group Mtgs, Credit Ins, Business Training
Masiko (Group) Loan MWK 140,000 - 2,800,000 4 - 9 40% - 60% 20% - 40% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training
Mzati (Individual) Loan MWK 50,000 - 1,000,000 3 - 12 40% - 60% 40% - 60% Business Women, Men, Have business, Have home or land, Must have assets as collateral Credit Educ, Credit Ins, Business Training, Other Training, Social Issues Training (HIV/AIDS, Gender, Vision Building),, Mthunzi (Shelter) Insurance
Payroll Loan MWK 15,000 - 4,000,000 3 - 48 20% - 40% 40% - 60% Any Purpose Women, Men, Salaried worker, Age must be above 18 years Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Barangay and LGU Livelihood Loan 18.0%-20.0% annual, Flat 2 Fees 1 Ins None 500.00 upfront 39.1% - 39.7% 39.4% - 45.1% 42
DepEd APDS Loan 9.0% annual, Flat 2 Fees 1 Ins None 1,000.00 upfront 10.00 ongoing 21.3% - 21.5% 23.5% - 24.8% 37
Microfinance Loan 30.0% annual, Flat 2 Fees 1 Ins None 5.0% upfront 10.00 ongoing 68.6% - 96.4% 80.2% - 120.9% 32

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 37.00%-40.00% annual, Decl Bal 1 Fee 0 Ins None 15.00% upfront 33.6% - 33.9% 38.7% - 39% 95
Masiko (Group) Loan 48.75% annual, Flat 1 Fee 0 Ins None 15.00% upfront 72.5% - 74.7% 90.5% - 94.1% 52
Mzati (Individual) Loan 42.00% annual, Flat 2 Fees 1 Ins None 15.00% upfront 70% - 111.5% 92.3% - 144.5% 39
Payroll Loan 45.00% annual, Decl Bal 1 Fee 0 Ins None N/A 34.7% - 45.7% 34.7% - 45.7% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Barangay and LGU Livelihood Loan 18.0%-20.0% annual, Flat 2 Fees 1 Ins Ins None 500.00 upfront 39.1% - 39.7% 39.4% - 45.1% 42
DepEd APDS Loan 9.0% annual, Flat 2 Fees 1 Ins Ins None 1,000.00 upfront 10.00 ongoing 21.3% - 21.5% 23.5% - 24.8% 37
Microfinance Loan 30.0% annual, Flat 2 Fees 1 Ins Ins None 5.0% upfront 10.00 ongoing 68.6% - 96.4% 80.2% - 120.9% 32

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 37.00%-40.00% annual, Decl Bal 1 Fee 0 Ins Ins None 15.00% upfront 33.6% - 33.9% 38.7% - 39% 95
Masiko (Group) Loan 48.75% annual, Flat 1 Fee 0 Ins Ins None 15.00% upfront 72.5% - 74.7% 90.5% - 94.1% 52
Mzati (Individual) Loan 42.00% annual, Flat 2 Fees 1 Ins Ins None 15.00% upfront 70% - 111.5% 92.3% - 144.5% 39
Payroll Loan 45.00% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 34.7% - 45.7% 34.7% - 45.7% 100
Institution Price Graph
Click to view Price Analysis Tool
Institution Price Graph
Click to view Price Analysis Tool
Caps / Zoom options
Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞