| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | Yes |
| Website address | http://www.caritas.org.ph/ |
| Year established | 2006 |
| Head of Institution | Fr. Mario Castillo CM |
| Regions active | |
| # Branches | 19 |
| Total Portfolio (nat'l) | PhP 57,042,219.37 |
| Total Portfolio (USD) | USD 1,364,646.40 |
| Active clients with loans | 12,142 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | Caritas Manila/United Church Cooperative, Metro South Cooperative Bank, Vincentian Family Multi-Purpose Cooperative, Caritas et labora Human Resource Cooperative |
| Funders | Caritas Manila, Radyo Veritas, Bahay Pari MPC |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 2008 |
| Head of Institution | Claudien Nsengimana |
| Regions active | Maputo Capital, Maputo Province, Inhambane, Gaza, Manica, Tete |
| # Branches | 10 |
| Total Portfolio (nat'l) | MZN 62,320,291.50 |
| Total Portfolio (USD) | USD 1,843,795.61 |
| Active clients with loans | 6,526 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | AMOMIF, MIX |
| Funders | Partners Worldwide |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Regular Loan - 11 weeks | PHP 2,000 - 150,000 | 2.6 | 80% - 100% | 80% - 100% | Business | Women, Men, Have business | Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Life insurance, Values Formation | |||||||
| Regular Loan - 15 weeks | PHP 2,000 - 150,000 | 3.5 | 80% - 100% | 80% - 100% | Business | Women, Men, Have business | Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
| Regular Loan - 23 weeks | PHP 2,000 - 150,000 | 5.3 | 80% - 100% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Life insurance, Values Formation, Marketing Assistance, Business Development |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Grupo Comunitario | MZN 3,000 - 30,000 | 4 - 6 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business, Specific age group | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Regular Loan - 11 weeks | 40.0% annual, Flat | 1 Fee | 1 Ins | None | 50.00 ongoing | 103.1% | 108.1% - 118.2% | 36 | ||||||||
| Regular Loan - 15 weeks | 37.6% annual, Flat | 1 Fee | 1 Ins | None | 50.00 ongoing | 92.6% | 96.4% - 111.7% | 37 | ||||||||
| Regular Loan - 23 weeks | 30.0% annual, Flat | 1 Fee | 1 Ins | None | 50.00 ongoing | 71.8% | 77.5% - 96.2% | 36 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Grupo Comunitario | 52.0% annual, Flat | 0 Fees | 0 | None | 10.0%-20.0% upfront | 71.3% - 82.2% | 83% - 105.8% | 55 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Regular Loan - 11 weeks | 40.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 50.00 ongoing | 103.1% | 108.1% - 118.2% | 36 | ||||||||
| Regular Loan - 15 weeks | 37.6% annual, Flat | 1 Fee | 1 Ins Ins | None | 50.00 ongoing | 92.6% | 96.4% - 111.7% | 37 | ||||||||
| Regular Loan - 23 weeks | 30.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 50.00 ongoing | 71.8% | 77.5% - 96.2% | 36 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Grupo Comunitario | 52.0% annual, Flat | 0 Fees | 0 | None | 10.0%-20.0% upfront | 71.3% - 82.2% | 83% - 105.8% | 55 |
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