Institution

Paglaum Multi Purpose Cooperative 2F PMPC Bldg., Eastern LoocPlaridel, Misamis Occidental7209
Data approved: 2011-11-15
Data version: 1
Age of data: 113 months

Institution

Opportunity International Savings & Loans Ltd. No. D765/3 Kwame Nkrumah AvenueAccra, Greater AccraPO Box JT 323
Data approved: 2013-03-12
Data version: 2
Age of data: 94 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addresshttp://www.paglaumcoop.org.ph/
Year established1992
Head of InstitutionGadwin E. Handumon
Regions active
# Branches14

Total Portfolio (nat'l)PhP 247,944,967
Total Portfolio (USD)USD 5,931,697.78
Active clients with loans21,775
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsMASS-SPECC, NATTCO, Association of Asean Confederation of Credit Unions (AACCU), Microfinance Council of the Philippines, Inc. (MCPI)
Funders

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.opportunityghana.com/
Year established2004
Head of InstitutionKwame Owusu-Boateng
Regions activeGreater Accra Region, Central Region, Western Region, Eastern Region, Ashanti Region, Brong Ahafo Region
# Branches29

Total Portfolio (nat'l)GHS 56,590,868
Total Portfolio (USD)USD 28,726,328.93
Active clients with loans62,525
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsOpportunity International USA
FundersOpportunity Microfinance Investment Ltd, Opportunity Transformation Investment, Sinapi Aba Trust, Oikocredit

Loan Products » Summary

670 Borrowers
USD 245,934.02 Portfolio
Active Product
589 Borrowers
USD 16,991.70 Portfolio
Active Product
491 Borrowers
USD 452,572.75 Portfolio
Active Product
1,520 Borrowers
USD 88,541.15 Portfolio
Active Product
219 Borrowers
USD 193,819.49 Portfolio
Active Product
2,073 Borrowers
USD 796,964.55 Portfolio
Active Product
12,767 Borrowers
USD 1,581,371.55 Portfolio
Active Product
5,185 Borrowers
USD 2,189,284.21 Portfolio
Active Product

Loan Products » Summary

7,428 Borrowers
USD 1,242,790.36 Portfolio
Active Product
53 Borrowers
USD 241,847.21 Portfolio
Active Product
273 Borrowers
USD 144,458.88 Portfolio
Active Product
39,801 Borrowers
USD 11,025,252.79 Portfolio
Active Product
3,257 Borrowers
USD 2,895,500.51 Portfolio
Active Product
595 Borrowers
USD 4,731,220.81 Portfolio
Active Product
1,443 Borrowers
USD 913,463.45 Portfolio
Active Product
8,946 Borrowers
USD 5,867,048.22 Portfolio
Active Product
245 Borrowers
USD 171,009.14 Portfolio
Active Product

Loan Products » Conditions

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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan GHS 130 - 10,000 6 - 9 60% - 80% 0% - 20% Business, Farming Women, Men, Specific age group, Farmers Credit Educ, Credit Ins
Church Loan GHS 5,000 - 100,000 3 - 37 0% 60% - 80% Financing church building Women, Men, Fully registered functioning church Credit Educ
Salary Loan GHS 270 - 15,000 6 - 24 20% - 40% 100% Any Purpose Women, Men, Have business, Salaried worker Credit Educ, Credit Ins
Group Loan GHS 100 - 8,000 3 - 12 60% - 80% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Individual Loan GHS 200 - 12,000 2 - 24 40% - 60% 20% - 40% Business Women, Men, Have business Credit Educ, Credit Ins
ISME / Edufinance GHS 10,000 - 100,000 10 - 37 0% - 20% 80% - 100% Business, Education Women, Men, Have business, Fully registered and licensed school Tech Asst Visits, Business Training
Susu Loan GHS 100 - 10,000 3 - 12 40% - 60% 40% - 60% Business Women, Men Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Adehye Loan GHS 280 - 8,000 3 - 8 60% - 80% 40% - 60% Business Women, Men, Have business, Must be a good group loan client. Credit Educ, Group Mtgs
Eduloan GHS 500 - 3,000 24 60% - 80% 80% - 100% Education Women, Men Credit Educ

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 36.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 40.8% - 65.4% 47% - 78.8% 61
Church Loan 39.0% annual, Decl Bal 2 Fees 1 Ins None 15.0% upfront 42.1% - 45.3% 55.6% - 61.3% 66
Salary Loan 24.0% annual, Flat 2 Fees 1 Ins None N/A 43.4% - 48.5% 44.6% - 50.6% 51
Group Loan 41.0% annual, Flat 2 Fees 1 Ins None 15.0% upfront 77.5% - 90.7% 103% - 123.9% 36
Individual Loan 42.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 67.6% - 79% 78.4% - 95.7% 47
ISME / Edufinance 39.0% annual, Decl Bal 2 Fees 1 Ins None 43% - 46.3% 44.4% - 48% 84
Susu Loan 39.0% annual, Flat 2 Fees 1 Ins None N/A 68.4% - 74.6% 69.8% - 77.3% 53
Adehye Loan 38.0% annual, Flat 1 Fee 1 Ins None 15.0%-20.0% upfront 67.1% - 81.6% 96.6% - 124.1% 35
Eduloan 24.0%-37.0% annual, Decl Bal 1 Fee 1 Ins None N/A 41.6% - 74.1% 42.5% - 78% 37

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 36.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 40.8% - 65.4% 47% - 78.8% 61
Church Loan 39.0% annual, Decl Bal 2 Fees 1 Ins Ins None 15.0% upfront 42.1% - 45.3% 55.6% - 61.3% 66
Salary Loan 24.0% annual, Flat 2 Fees 1 Ins Ins None N/A 43.4% - 48.5% 44.6% - 50.6% 51
Group Loan 41.0% annual, Flat 2 Fees 1 Ins Ins None 15.0% upfront 77.5% - 90.7% 103% - 123.9% 36
Individual Loan 42.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 67.6% - 79% 78.4% - 95.7% 47
ISME / Edufinance 39.0% annual, Decl Bal 2 Fees 1 Ins Ins None 43% - 46.3% 44.4% - 48% 84
Susu Loan 39.0% annual, Flat 2 Fees 1 Ins Ins None N/A 68.4% - 74.6% 69.8% - 77.3% 53
Adehye Loan 38.0% annual, Flat 1 Fee 1 Ins Ins None 15.0%-20.0% upfront 67.1% - 81.6% 96.6% - 124.1% 35
Eduloan 24.0%-37.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 41.6% - 74.1% 42.5% - 78% 37
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