Institution

Peoples Bank of Caraga, Inc. Brgy. 5San Francisco, Agusan del Sur/Region XIII8501
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Institution

APAS Financial Services Ltd 4th Floor Diamond Trust BuildingKampala, CentralPO Box 9360
Data approved: 2011-06-29
Data version: 1
Age of data: 156 months

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addresshttp://www.peoplesbankofcaraga.org/
Year established1972
Head of InstitutionCristina A. Bulaon
Regions active
# Branches12

Total Portfolio (nat'l)PhP 436,386,219
Total Portfolio (USD)USD 10,439,861.70
Active clients with loans41,943
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsMicrofinance Council of the Philippines, Inc. (MCPI)
Funders

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.apasgroup.com/
Year established2005
Head of InstitutionAmos Ruhongore
Regions activeEastern, Western
# Branches2

Total Portfolio (nat'l)UGX 320,000,000
Total Portfolio (USD)USD 128,000
Active clients with loans320
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsAMFIU, Microfinance Management Institute
Funders

Loan Products » Summary

3,285 Borrowers
USD 672,640.86 Portfolio
Active Product
31,305 Borrowers
USD 6,081,747.73 Portfolio
Active Product
14,249 Borrowers
USD 2,537,310.77 Portfolio
Active Product
1,876 Borrowers
USD 1,143,001.08 Portfolio
Active Product

Loan Products » Summary

200 Borrowers
USD 100,000 Portfolio
Active Product
120 Borrowers
USD 28,000 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Allied Undertakings Loan PHP 3,000 - 150,000 6 - 12 80% - 100% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Cycled Loan / Enterprise Loan PHP 3,000 - 150,000 6 - 12 80% - 100% 20% - 40% Business Women, Men, Have business, Specific age group, Age must be 18 to 65 years old Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Farm Financing Loan PHP 3,000 - 10,000 6 80% - 100% 0% - 20% Business Women, Men, Have business, Specific age group Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
ISAPA-PPP PHP 5,000 - 75,000 6 0% - 20% 0% - 20% Business Women, Men, Specific age group Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Education Trips of Members

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Group Loans UGX 100,000 - 1,500,000 3 - 6 40% - 60% 80% - 100% Business Women, Men, Have business Credit Educ, Group Mtgs, Business Training
Individual Business Loans UGX 500,000 - 10,000,000 1 - 6 40% - 60% 80% - 100% Business Women, Men, Have business Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Allied Undertakings Loan 24.0% annual, Flat 2 Fees 1 Ins 0.50% loan amt N/A 59.2% - 61.1% 62.9% - 65.7% 37
Cycled Loan / Enterprise Loan 24.0% annual, Flat 2 Fees 1 Ins 0.50% loan amt 100.00 upfront 0.37% ongoing 58.1% - 63% 70.7% - 76.3% 32
Farm Financing Loan 28.0% annual, Flat 2 Fees 1 Ins 0.50% loan amt N/A 36.2% - 36.8% 38.3% - 39% 72
ISAPA-PPP 28.0% annual, Flat 2 Fees 1 Ins 0.50% loan amt N/A 66.5% 67.4% - 69% 41

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loans 48.00% annual, Flat 1 Fee 0 Ins None N/A 40.1% - 86.6% 40.1% - 86.6% 75
Individual Business Loans 60.00%-120.00% annual, Flat 1 Fee 0 Ins None N/A 86.2% - 87.1% 86.2% - 87.1% 69

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Allied Undertakings Loan 24.0% annual, Flat 2 Fees 1 Ins Ins 0.50% loan amt N/A 59.2% - 61.1% 62.9% - 65.7% 37
Cycled Loan / Enterprise Loan 24.0% annual, Flat 2 Fees 1 Ins Ins 0.50% loan amt 100.00 upfront 0.37% ongoing 58.1% - 63% 70.7% - 76.3% 32
Farm Financing Loan 28.0% annual, Flat 2 Fees 1 Ins Ins 0.50% loan amt N/A 36.2% - 36.8% 38.3% - 39% 72
ISAPA-PPP 28.0% annual, Flat 2 Fees 1 Ins Ins 0.50% loan amt N/A 66.5% 67.4% - 69% 41

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loans 48.00% annual, Flat 1 Fee 0 Ins Ins None N/A 40.1% - 86.6% 40.1% - 86.6% 75
Individual Business Loans 60.00%-120.00% annual, Flat 1 Fee 0 Ins Ins None N/A 86.2% - 87.1% 86.2% - 87.1% 69
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