| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 1989 |
| Head of Institution | Engr. Panfilo Asares |
| Regions active | |
| # Branches | 3 |
| Total Portfolio (nat'l) | PhP 101,848,650 |
| Total Portfolio (USD) | USD 2,436,570.57 |
| Active clients with loans | 12,752 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | Microfinance Council of the Philippines, Inc. |
| Funders |
| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 2009 |
| Head of Institution | Phyllis Ayetey |
| Regions active | 0 |
| # Branches | 0 |
| Total Portfolio (nat'l) | GHS 150,000 |
| Total Portfolio (USD) | USD 76,142.13 |
| Active clients with loans | 650 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | Credit Union Association (CUA), GHAMFIN |
| Funders | Christian Children's Fund of Canada |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Help (Individual) | PHP 20,000 - 150,000 | 3 - 24 | 60% - 80% | 20% - 40% | Business | Women, Men | Tech Asst Visits, Other Training, Mortuary Fund/Life insurance | |||||||
| Hiram (Group Loan) | PHP 3,000 - 100,000 | 6 | 60% - 80% | 20% - 40% | Business | Women, Men, Must have experience running a business | Group Mtgs, Tech Asst Visits, Business Training, Bookeeping, consultancy, Mortuary Fund/Life Insurance |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | GHS 1,000 - 5,000 | 6 - 12 | 60% - 80% | 80% - 100% | Business | Women, Men, Have business | Tech Asst Visits | |||||||
| Credit Union Loan | GHS 100 - 2,000 | 3 - 12 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men | Credit Ins | |||||||
| Micro-Enterprise Loan | GHS 100 - 1,000 | 6 - 12 | 60% - 80% | 80% - 100% | Business | Women, Men, Have business | Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Help (Individual) | 24.0% annual, Flat | 1 Fee | 1 Ins | 0.50% loan amt | 2.0% upfront | 38.3% - 55.9% | 41.1% - 60.3% | 46 | ||||||||
| Hiram (Group Loan) | 24.0% annual, Flat | 1 Fee | 1 Ins | 0.25% loan amt | 4.0% upfront 20.00 ongoing | 68.6% | 81.7% - 111.2% | 27 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 40.00% annual, Flat | 1 Fee | 0 Ins | None | 25.00%- upfront | 0% | 0% | N/A | ||||||||
| Credit Union Loan | 36.00% annual, Decl Bal | 1 Fee | 0 Ins | None | 50.00%- upfront | 0% | 0% | N/A | ||||||||
| Micro-Enterprise Loan | 30.00% annual, Flat | 1 Fee | 0 Ins | None | 35.00%- upfront | 0% | 0% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Help (Individual) | 24.0% annual, Flat | 1 Fee | 1 Ins Ins | 0.50% loan amt | 2.0% upfront | 38.3% - 55.9% | 41.1% - 60.3% | 46 | ||||||||
| Hiram (Group Loan) | 24.0% annual, Flat | 1 Fee | 1 Ins Ins | 0.25% loan amt | 4.0% upfront 20.00 ongoing | 68.6% | 81.7% - 111.2% | 27 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 40.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 25.00%- upfront | 0% | 0% | N/A | ||||||||
| Credit Union Loan | 36.00% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 50.00%- upfront | 0% | 0% | N/A | ||||||||
| Micro-Enterprise Loan | 30.00% annual, Flat | 1 Fee | 0 Ins Ins | None | 35.00%- upfront | 0% | 0% | N/A |
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