Institution Type | Credit Union / Cooperative |
Is this institution regulated? | Yes |
Website address | http://www.paglaumcoop.org.ph/ |
Year established | 1992 |
Head of Institution | Gadwin E. Handumon |
Regions active | |
# Branches | 14 |
Total Portfolio (nat'l) | PhP 247,944,967 |
Total Portfolio (USD) | USD 5,931,697.78 |
Active clients with loans | 21,775 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 0% - 20% |
Network affiliations | MASS-SPECC, NATTCO, Association of Asean Confederation of Credit Unions (AACCU), Microfinance Council of the Philippines, Inc. (MCPI) |
Funders |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | Yes |
Website address | http://www.bancowwb.com/ |
Year established | 2011 |
Head of Institution | Clara Serra - Akerman |
Regions active | |
# Branches | 93 |
Total Portfolio (nat'l) | COP 551,063,000,000 |
Total Portfolio (USD) | USD 302,781,868.10 |
Active clients with loans | 211,907 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 80% - 100% |
Network affiliations | Women's World Banking |
Funders | Fundación WWB Colombia, WWB S.A.S, Blueorchard Private Equity Funds S.C.A.., SICAV-FIS., Developing World Markets |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Barangay Official Livelihood Assistance | PHP 500 - 15,000 | 6 - 36 | 60% - 80% | 0% - 20% | Any Purpose | Women, Men, Barangay Officials | Credit Educ, Credit Ins | |||||||
Emergency Loan | PHP 500 - 2,000 | 3 - 6 | 60% - 80% | 0% - 20% | Other, Open to all regular and PDP members who are MIGS i, < 60 years | Women, Men | Group Mtgs | |||||||
Housing Loan Program | PHP 50,000 - 300,000 | 12 - 26 | 80% - 100% | 0% - 20% | Housing | Women, Men | Credit Educ, Credit Ins | |||||||
MEDAL 1 | PHP 5,000 - 5,000 | 3 - 6 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business, Must be Coop member | Credit Educ, Group Mtgs, Credit Ins | |||||||
Motorcycle Loan | PHP 60,000 - 120,000 | 12 - 36 | 60% - 80% | 0% - 20% | Consumer | Women, Men, Must have MIGS status, Must be Coop member | Credit Educ, Credit Ins | |||||||
Pension Loan | PHP 10,000 - 100,000 | 6 - 24 | 40% - 60% | 0% - 20% | Any Purpose | Women, Men, Must be pension holder, Must be <80 years | Credit Educ, Credit Ins | |||||||
Project Loan (Micro-Regular Loan) | PHP 500 - 150,000 | 3 - 18 | 80% - 100% | 0% - 20% | Business | Women, Men, Must be Coop member | Credit Educ, Credit Ins | |||||||
Regular Loan | PHP 500 - 1,000,000 | 1 - 36 | 60% - 80% | 0% - 20% | Business, Housing, Consumer, Education, Other | Women, Men, Must be Coop member | Credit Educ, Credit Ins, Tech Asst Visits, Business Training |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crediequipo | COP 535,000 - 160,500,000 | 1 - 59 | 60% - 80% | 80% - 100% | Business | Women, Men, Have business | ||||||||
Credimoto | COP 2,891,000 - 5,301,900 | 1 - 36 | 60% - 80% | 80% - 100% | Business, Compra de Moto | Women, Men, Have business | ||||||||
Credimpulso | COP 535,000 - 1,000,000 | 1 - 15 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business | ||||||||
Inmobiliario | COP 535,000 - 64,272,000 | 1 - 59 | 60% - 80% | 60% - 80% | Business, Housing | Women, Men, Have business | ||||||||
Microcrédito | COP 535,000 - 13,375,000 | 1 - 36 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Barangay Official Livelihood Assistance | 22.8% annual, Flat | 2 Fees | 2 Ins | None | 6.5% upfront 26.00 ongoing | 44.9% - 52.7% | 59.2% - 79.8% | 35 | ||||||||
Emergency Loan | 30.0% annual, Flat | 2 Fees | 2 Ins | None | 6.5% upfront | 76% - 81.7% | 174% - 194.8% | 16 | ||||||||
Housing Loan Program | 21.0% annual, Decl Bal | 2 Fees | 2 Ins | None | 6.5% upfront | 24.4% - 24.5% | 31.1% - 34.2% | 64 | ||||||||
MEDAL 1 | 30.0%-36.0% annual, Flat | 2 Fees | 2 Ins | None | 6.5% upfront 26.00 ongoing | 13.4% - 84.8% | 22.1% - 114.2% | 68 | ||||||||
Motorcycle Loan | 21.0% annual, Decl Bal | 2 Fees | 2 Ins | None | 6.5% upfront 26.00 ongoing | 24.5% | 31.6% - 33.4% | 65 | ||||||||
Pension Loan | 36.0% annual, Flat | 2 Fees | 2 Ins | None | 6.5% upfront 26.00 ongoing | 61.6% - 70.8% | 70.1% - 85.5% | 47 | ||||||||
Project Loan (Micro-Regular Loan) | 30.0% annual, Flat | 2 Fees | 2 Ins | None | 6.5% upfront 26.00 ongoing | 55.1% - 79.9% | 66.2% - 175.4% | 32 | ||||||||
Regular Loan | 36.0% annual, Flat | 2 Fees | 2 Ins | None | 6.5% upfront 26.00 ongoing | 69.9% - 88.7% | 83.2% - 122.6% | 37 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crediequipo | 31.3%-34.0% annual, Decl Bal | 2 Fees | 2 Ins | None | N/A | 32.5% - 43.8% | 33% - 44.2% | 83 | ||||||||
Credimoto | 22.8% annual, Decl Bal | 1 Fee | 3 Ins | None | N/A | 22.2% - 22.6% | 25.3% - 36.1% | 73 | ||||||||
Credimpulso | 34.0% annual, Decl Bal | 2 Fees | 2 Ins | None | N/A | 43.4% - 53.8% | 48.3% - 54.2% | 67 | ||||||||
Inmobiliario | 22.8%-24.0% annual, Decl Bal | 2 Fees | 2 Ins | None | N/A | 19.3% - 33.4% | 19.7% - 38.6% | 92 | ||||||||
Microcrédito | 31.3%-34.0% annual, Decl Bal | 2 Fees | 2 Ins | None | N/A | 28.3% - 41.7% | 28.6% - 42.1% | 83 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Barangay Official Livelihood Assistance | 22.8% annual, Flat | 2 Fees | 2 Ins Ins | None | 6.5% upfront 26.00 ongoing | 44.9% - 52.7% | 59.2% - 79.8% | 35 | ||||||||
Emergency Loan | 30.0% annual, Flat | 2 Fees | 2 Ins Ins | None | 6.5% upfront | 76% - 81.7% | 174% - 194.8% | 16 | ||||||||
Housing Loan Program | 21.0% annual, Decl Bal | 2 Fees | 2 Ins Ins | None | 6.5% upfront | 24.4% - 24.5% | 31.1% - 34.2% | 64 | ||||||||
MEDAL 1 | 30.0%-36.0% annual, Flat | 2 Fees | 2 Ins Ins | None | 6.5% upfront 26.00 ongoing | 13.4% - 84.8% | 22.1% - 114.2% | 68 | ||||||||
Motorcycle Loan | 21.0% annual, Decl Bal | 2 Fees | 2 Ins Ins | None | 6.5% upfront 26.00 ongoing | 24.5% | 31.6% - 33.4% | 65 | ||||||||
Pension Loan | 36.0% annual, Flat | 2 Fees | 2 Ins Ins | None | 6.5% upfront 26.00 ongoing | 61.6% - 70.8% | 70.1% - 85.5% | 47 | ||||||||
Project Loan (Micro-Regular Loan) | 30.0% annual, Flat | 2 Fees | 2 Ins Ins | None | 6.5% upfront 26.00 ongoing | 55.1% - 79.9% | 66.2% - 175.4% | 32 | ||||||||
Regular Loan | 36.0% annual, Flat | 2 Fees | 2 Ins Ins | None | 6.5% upfront 26.00 ongoing | 69.9% - 88.7% | 83.2% - 122.6% | 37 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crediequipo | 31.3%-34.0% annual, Decl Bal | 2 Fees | 2 Ins Ins | None | N/A | 32.5% - 43.8% | 33% - 44.2% | 83 | ||||||||
Credimoto | 22.8% annual, Decl Bal | 1 Fee | 3 Ins Ins | None | N/A | 22.2% - 22.6% | 25.3% - 36.1% | 73 | ||||||||
Credimpulso | 34.0% annual, Decl Bal | 2 Fees | 2 Ins Ins | None | N/A | 43.4% - 53.8% | 48.3% - 54.2% | 67 | ||||||||
Inmobiliario | 22.8%-24.0% annual, Decl Bal | 2 Fees | 2 Ins Ins | None | N/A | 19.3% - 33.4% | 19.7% - 38.6% | 92 | ||||||||
Microcrédito | 31.3%-34.0% annual, Decl Bal | 2 Fees | 2 Ins Ins | None | N/A | 28.3% - 41.7% | 28.6% - 42.1% | 83 |
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