| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 1987 |
| Head of Institution | Dr. Vicente R. Geducos, CPA |
| Regions active | |
| # Branches | 9 |
| Total Portfolio (nat'l) | PhP 77,295,975.67 |
| Total Portfolio (USD) | USD 1,849,186.02 |
| Active clients with loans | 18,350 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Opportunity International Network, Alliance for Philippine Partners in Enterprise Development (APPEND), Mindanao Microfinance Council (MMC), Philippine Partnership for the Development of Human Resources in Rural Areas (PhilDHRRA) |
| Funders | OIKOCredit, People's Credit and Finance Corporation (PCFC), PinoyMe Foundation, Small Business Corporation (SBC) |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | PHP 3,000 - 30,000 | 3 - 10 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business, Have home or land | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Community Development Program | |||||||
| Individual Loan | PHP 10,000 - 40,000 | 3 - 10 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business, Have home or land | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Community Development Program |
| 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 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 36.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0% upfront 40.00 ongoing | 80.6% - 93.1% | 94.6% - 216.6% | 27 | ||||||||
| Individual Loan | 36.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0% upfront | 84.5% - 85.9% | 99.6% - 108.9% | 34 |
| 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 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 36.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.0% upfront 40.00 ongoing | 80.6% - 93.1% | 94.6% - 216.6% | 27 | ||||||||
| Individual Loan | 36.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.0% upfront | 84.5% - 85.9% | 99.6% - 108.9% | 34 |
| 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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