Institution

Negros Women for Tomorrow Foundation, Inc. 102 San Sebastian, Verbena Sts.Bacolod City, Negros Occidental6100
Data approved: 2011-11-15
Data version: 1
Age of data: 101 months

Institution

Kumanwuman Rural Bank Limited Head OfficeKumawuKumasi, AshantiP.O. Box 33
Data approved: 2013-03-05
Data version: 2
Age of data: 82 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.nwtf.ph/
Year established1984
Head of InstitutionDr. Cecilia D. del Castillo
Regions active
# Branches50

Total Portfolio (nat'l)PhP 607,833,441
Total Portfolio (USD)USD 14,541,469.88
Active clients with loans98,363
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations
Funders

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addresshttp://[email protected]
Year established1982
Head of InstitutionC.K Ablerdu
Regions activeAshanti Region
# Branches9

Total Portfolio (nat'l)GHS 12,511,356
Total Portfolio (USD)USD 6,350,942.13
Active clients with loans4,013
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsARB Apex, GHAMFIN
FundersSPEED Ghana, MiDA, MASLOC

Loan Products » Summary

96,603 Borrowers
USD 11,887,559.81 Portfolio
Active Product
2,000 Borrowers
USD 45,454.55 Portfolio
Active Product
1,760 Borrowers
USD 222,488.04 Portfolio
Active Product
5,000 Borrowers
USD 428,229.67 Portfolio
Active Product
200 Borrowers
USD 114,832.54 Portfolio
Active Product

Loan Products » Summary

1,412 Borrowers
USD 2,465,610.66 Portfolio
Active Product
1,756 Borrowers
USD 3,312,781.73 Portfolio
Active Product
845 Borrowers
USD 572,549.75 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
General Loan PHP 1,000 - 30,000 3 - 12 80% - 100% 20% - 40% Business Women Group Mtgs, Credit Ins, Business Training, Other Training, Insurance - life, accident, burial assistance for member & family, Savings / Medical and dental missions
Green Loan PHP 1,800 - 3,400 6 - 12 80% - 100% 0% - 20% Business, Housing, Consumer Women, Men, Have business, Have home or land Tech Asst Visits
Individual Loan PHP 30,000 - 150,000 3 - 24 80% - 100% 0% - 20% Business Women, Have business
Special Loan PHP 1,000 - 150,000 3 - 36 80% - 100% 0% - 20% Business, Housing, Education Women, Have business
Special Loan - Asset Acquisition Loan PHP 30,000 - 150,000 12 - 36 80% - 100% 0% - 20% Business, Productive assets Women, Men, Have business

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Commercial Loan GHS 500 - 90,000 6 - 18 20% - 40% 60% - 80% Business Women, Men, Have business Group Mtgs, Credit Ins, Other Training
Salary Loan GHS 200 - 6,000 6 - 18 20% - 40% 60% - 80% Any Purpose Women, Men, Salaried worker Credit Educ, Group Mtgs, Credit Ins, Other Training
Susu Loan GHS 50 - 20,000 3 - 12 60% - 80% 40% - 60% Business, Housing, Consumer, Education, Other Women, Men, Have business, Must have conttributed savings depsoit for at least 3 months. Credit Educ, Group Mtgs, Credit Ins, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
General Loan 30.0% annual, Flat 2 Fees 1 Ins None 5.0% upfront 1.00 ongoing 69.7% - 85.6% 97.2% - 118.7% 27
Green Loan 30.0% annual, Flat 2 Fees 0 Ins None N/A 86.3% - 87.3% 87.2% - 88.2% 34
Individual Loan 30.0% annual, Flat 2 Fees 1 Ins None 5.0% upfront 1.00 ongoing 70.1% - 87.6% 81.2% - 101.6% 33
Special Loan 30.0% annual, Flat 2 Fees 0 Ins None 10.0% upfront 67.2% - 85.6% 67.2% - 85.9% 41
Special Loan - Asset Acquisition Loan 30.0% annual, Decl Bal 2 Fees 0 Ins None 10.0% upfront 52.1% - 63.4% 59.6% - 74.7% 47

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Commercial Loan 28.00% annual, Flat 1 Fee 0 Ins None 30.00% upfront 53% - 56.8% 97.1% - 106.4% 27
Salary Loan 30.00% annual, Flat 1 Fee 0 Ins None N/A 54.2% - 77.7% 54.2% - 77.7% 48
Susu Loan 28.00% annual, Flat 1 Fee 0 Ins None 50.00% upfront 51.9% - 56.3% 179.5% - 210.9% 14

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
General Loan 30.0% annual, Flat 2 Fees 1 Ins Ins None 5.0% upfront 1.00 ongoing 69.7% - 85.6% 97.2% - 118.7% 27
Green Loan 30.0% annual, Flat 2 Fees 0 Ins Ins None N/A 86.3% - 87.3% 87.2% - 88.2% 34
Individual Loan 30.0% annual, Flat 2 Fees 1 Ins Ins None 5.0% upfront 1.00 ongoing 70.1% - 87.6% 81.2% - 101.6% 33
Special Loan 30.0% annual, Flat 2 Fees 0 Ins Ins None 10.0% upfront 67.2% - 85.6% 67.2% - 85.9% 41
Special Loan - Asset Acquisition Loan 30.0% annual, Decl Bal 2 Fees 0 Ins Ins None 10.0% upfront 52.1% - 63.4% 59.6% - 74.7% 47

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Commercial Loan 28.00% annual, Flat 1 Fee 0 Ins Ins None 30.00% upfront 53% - 56.8% 97.1% - 106.4% 27
Salary Loan 30.00% annual, Flat 1 Fee 0 Ins Ins None N/A 54.2% - 77.7% 54.2% - 77.7% 48
Susu Loan 28.00% annual, Flat 1 Fee 0 Ins Ins None 50.00% upfront 51.9% - 56.3% 179.5% - 210.9% 14
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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