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: 98 months

Institution

First Macro Bank B. Morcilla cor. P. Herrera Sts.Pateros, Metro Manila1621
Data approved: 2011-11-15
Data version: 1
Age of data: 98 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://www.firstmacrobank.com/
Year established1960
Head of InstitutionReggie Ocampo
Regions active
# Branches8

Total Portfolio (nat'l)PhP 28,000,000
Total Portfolio (USD)USD 669,856.46
Active clients with loans3,000
Approximate % female clients80% - 100%
Approximate % urban clients60% - 80%
Network affiliationsRural Bankers Association of the Philippines, People's Credit and Finance Corporation
Funders

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

1,250 Borrowers
USD 112,440.19 Portfolio
Active Product
1,500 Borrowers
USD 598,086.12 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
Sikap PHP 5,000 - 15,000 5.8 80% - 100% 40% - 60% Business Women, Must have net income of > P2000 per month Credit Educ, Group Mtgs, Tech Asst Visits, Life insurance
Unlad PHP 5,000 - 150,000 1 - 6 80% - 100% 60% - 80% Business Women, Men, Have business Credit Ins, Tech Asst Visits

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
Sikap 30.0% annual, Flat 1 Fee 1 Ins 5.00% loan amt 5.0% upfront 20.00 ongoing 68.4% - 70.6% 113.4% - 134.3% 24
Unlad 24.0%-36.0% annual, Flat 2 Fees 1 Ins 0.50% loan amt 10.00% ongoing 77.5% - 85.5% 92.7% - 102.3% 25

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
Sikap 30.0% annual, Flat 1 Fee 1 Ins Ins 5.00% loan amt 5.0% upfront 20.00 ongoing 68.4% - 70.6% 113.4% - 134.3% 24
Unlad 24.0%-36.0% annual, Flat 2 Fees 1 Ins Ins 0.50% loan amt 10.00% ongoing 77.5% - 85.5% 92.7% - 102.3% 25
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