Paglaum Multi Purpose Cooperative - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 151 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Please note that the information you are viewing is 128 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

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

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Institution

Tujijenge Tanzania Limited Head OfficeDar Es SalaamPO Box 22320

Data approved: 2013-05-30

Data version: 2

Age of data: 128 months

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Institution Details

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 Details

Institution Type	Other
Is this institution regulated?	No
Website address	http://www.tujijengeafrika.org/
Year established	2006
Head of Institution	Nambobi Shafi
Regions active	Dar es Salaam, Mara, Mwanza, Pwani
# Branches	5

Total Portfolio (nat'l)	TZS 3,649,989,349
Total Portfolio (USD)	USD 2,295,590.79
Active clients with loans	10,078
Approximate % female clients	80% - 100%
Approximate % urban clients	60% - 80%
Network affiliations	AFRICAP, TAMFI, Microfinance Association Institution Network
Funders	Tujijenge Afrika, Micro Africa, LJK Holdings, Africap

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

Flexible

2,648 Borrowers

USD 499,097.47 Portfolio

Active Product

Group Loan

7,089 Borrowers

USD 898,076.54 Portfolio

Active Product

Individual

137 Borrowers

USD 458,235.37 Portfolio

Active Product

MYC4

160 Borrowers

USD 205,586.65 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
Group Flexible Loan	TZS 50,000 - 4,000,000	3 - 12	60% - 80%	60% - 80%	Business	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins
Group Loan	TZS 50,000 - 4,000,000	3 - 12	80% - 100%	80% - 100%	Business, Housing, Education, Other	Women, Men, Have business, 18 and above	Credit Educ, Group Mtgs, Credit Ins, Other Training, Group dynamics
Individual Loan	TZS 500,000 - 15,000,000	6 - 12	40% - 60%	60% - 80%	Business	Women, Men, Have business	Credit Educ, Credit Ins
MYC4 Loan	TZS 500,000 - 50,000,000	6 - 18	40% - 60%	80% - 100%	Business	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins

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	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Group Flexible Loan	48.00% annual, Flat	0 Fees	None	20.00% upfront	65.5% - 93%	91% - 138.1%	38
Group Loan	48.00% annual, Flat	0 Fees	None	20.00% upfront	76.4% - 89%	108.4% - 130.3%	38
Individual Loan	36.00% annual, Flat	2 Fees	None	10.00% upfront	66.3% - 80.3%	78.6% - 95.4%	43
MYC4 Loan	40.08% annual, Decl Bal	2 Fees	None	N/A	73.1% - 91.5%	73.1% - 91.5%	50

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
Group Flexible Loan	48.00% annual, Flat	0 Fees	0 Ins Ins	None	20.00% upfront	65.5% - 93%	91% - 138.1%	38
Group Loan	48.00% annual, Flat	0 Fees	0 Ins Ins	None	20.00% upfront	76.4% - 89%	108.4% - 130.3%	38
Individual Loan	36.00% annual, Flat	2 Fees	0 Ins Ins	None	10.00% upfront	66.3% - 80.3%	78.6% - 95.4%	43
MYC4 Loan	40.08% annual, Decl Bal	2 Fees	0 Ins Ins	None	N/A	73.1% - 91.5%	73.1% - 91.5%	50

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Key Statistics
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% Products with compulsory deposits

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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

Total Borrowers of Samples

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