2. PMPC
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  2. SVDP
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Institution

Paglaum Multi Purpose Cooperative 2F PMPC Bldg., Eastern LoocPlaridel, Misamis Occidental7209
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Institution

Soon Valley Development Program Sakesar Road, Naushera, Tehsil & District, KhushabNaushera, PunjabN/A
Data approved: 2013-08-15
Data version: 1
Age of data: 125 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-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established1996
Head of InstitutionMr Gulbaz Afaqi
Regions activePunjab
# Branches3

Total Portfolio (nat'l)PKR 85,584,088
Total Portfolio (USD)USD 873,307.02
Active clients with loans4,193
Approximate % female clients20% - 40%
Approximate % urban clients0
Network affiliationsPakistan Microfinance Network, PMFN, MONPAK, HRDN
FundersPakistan Poverty Alleviation Fund, One UN GRIP, OPP/OCT

Loan Products » Summary

Barangay
670 Borrowers
USD 245,934.02 Portfolio
Active Product
Emergency
589 Borrowers
USD 16,991.70 Portfolio
Active Product
Housing
491 Borrowers
USD 452,572.75 Portfolio
Active Product
MEDAL
1,520 Borrowers
USD 88,541.15 Portfolio
Active Product
Motorcycle
219 Borrowers
USD 193,819.49 Portfolio
Active Product
Pension
2,073 Borrowers
USD 796,964.55 Portfolio
Active Product
Project Loan
12,767 Borrowers
USD 1,581,371.55 Portfolio
Active Product
Regular
5,185 Borrowers
USD 2,189,284.21 Portfolio
Active Product

Loan Products » Summary

Agriculture
758 Borrowers
USD 157,870.14 Portfolio
Active Product
Livestock
384 Borrowers
USD 56,569.42 Portfolio
Active Product
L-Fattening
1,065 Borrowers
USD 306,122.45 Portfolio
Active Product
Handicrafts
128 Borrowers
USD 14,183.67 Portfolio
Active Product
Trade
774 Borrowers
USD 141,408.31 Portfolio
Active Product
Solar
753 Borrowers
USD 124,883.97 Portfolio
Active Product
Water Well
2 Borrowers
USD 714.29 Portfolio
Low Volume Product
B-Digestors
4 Borrowers
USD 1,020.41 Portfolio
Low Volume Product
B-Irrigation
7 Borrowers
USD 4,081.63 Portfolio
Low Volume Product
Dairy
11 Borrowers
USD 2,806.12 Portfolio
Low Volume Product
Poultry
3 Borrowers
USD 816.33 Portfolio
Low Volume Product
Pipe Irri
2 Borrowers
USD 612.24 Portfolio
Low Volume Product
Miscell
11 Borrowers
USD 903.21 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

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 PKR 20,000 - 75,000 6 - 18 20% - 40% 0% Agriculture Women, Men
Livestock PKR 15,000 - 30,000 12 40% - 60% 0% Business Women, Men
Livestock Fattening PKR 20,000 - 30,000 6 - 11 40% - 60% 0% Business Women, Men Credit Ins, Tech Asst Visits
Handicrafts PKR 15,000 - 30,000 12 80% - 100% 0% Business Women, Men, Have business
Trade Business PKR 10,000 - 70,000 12 20% - 40% 0% Business Women, Men, Have business
Solar Lighting PKR 15,000 - 30,000 6 - 12 20% - 40% 0% Any Purpose Women, Men

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 21.0%-24.0% annual, Flat 1 Fee 0 Ins None N/A 40.7% 40.7% N/A
Livestock 21.0%-24.0% annual, Flat 1 Fee 0 Ins None N/A 40.7% - 40.9% 40.7% - 40.9% N/A
Livestock Fattening 21.0%-24.0% annual, Flat 1 Fee 1 Ins None None 25.8% 29% N/A
Handicrafts 21.0%-24.0% annual, Flat 1 Fee 0 Ins None N/A 40.3% - 40.9% 40.3% - 40.9% N/A
Trade Business 21.0%-24.0% annual, Flat 1 Fee 0 Ins None N/A 40.7% - 40.9% 40.7% - 40.9% N/A
Solar Lighting 36.0% annual, Decl Bal 1 Fee 0 Ins None N/A 40.3% - 40.9% 40.3% - 40.9% N/A

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 21.0%-24.0% annual, Flat 1 Fee 0 Ins Ins None N/A 40.7% 40.7% N/A
Livestock 21.0%-24.0% annual, Flat 1 Fee 0 Ins Ins None N/A 40.7% - 40.9% 40.7% - 40.9% N/A
Livestock Fattening 21.0%-24.0% annual, Flat 1 Fee 1 Ins Ins None None 25.8% 29% N/A
Handicrafts 21.0%-24.0% annual, Flat 1 Fee 0 Ins Ins None N/A 40.3% - 40.9% 40.3% - 40.9% N/A
Trade Business 21.0%-24.0% annual, Flat 1 Fee 0 Ins Ins None N/A 40.7% - 40.9% 40.7% - 40.9% N/A
Solar Lighting 36.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 40.3% - 40.9% 40.3% - 40.9% N/A
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% Products with one or more insurances
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