2. ACB-SA
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  2. PMPC
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Institution

Amasezerano Community Bank P.O.Box 4691KIGALIP.O.Box 4691
Data approved: 2011-10-26
Data version: 1
Age of data: -   months 
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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: 152 months

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addressN/A
Year established2006
Head of InstitutionDaniel Muhimuzi Mugisha
Regions active0
# Branches6

Total Portfolio (nat'l)RWF 747,483,674
Total Portfolio (USD)USD 1,266,921.48
Active clients with loans2,225
Approximate % female clients20% - 40%
Approximate % urban clients60% - 80%
Network affiliationsAMIR, Terrafina
FundersAfrican Evangelical Enterprise, Rwanda

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

Loan Products » Summary

Curuza (Business) MT & LT
91 Borrowers
USD 197,180 Portfolio
Active Product
Ezukame Express PU & PM
40 Borrowers
USD 110,135 Portfolio
Active Product
Hembwa Wage Express
865 Borrowers
USD 49,491 Portfolio
Active Product
Hembwa Wage MT & LT
164 Borrowers
USD 144,625 Portfolio
Active Product
Kaze (Solidarity Group) GS & GS-PU
843 Borrowers
USD 117,649 Portfolio
Active Product
Tunga Women MT & LT
60 Borrowers
USD 270,450 Portfolio
Active Product

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 » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Curuza (Business) MT & LT RWF 100,000 - 10,000,000 4 - 36 0% - 20% 80% - 100%
Ezukame Express PU & PM 0 0 20% - 40% 20% - 40%
Hembwa Wage Express RWF 5,000 - 500,000 1 - 3 20% - 40% 60% - 80%
Hembwa Wage MT & LT RWF 10,000 - 5,000,000 4 - 36 20% - 40% 60% - 80%
Kaze (Solidarity Group) GS & GS-PU RWF 10,000 - 500,000 3 - 6 40% - 60% 0% - 20%
Tunga Women MT & LT RWF 200,000 - 10,000,000 4 - 36 80% - 100% 40% - 60%

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 » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Curuza (Business) MT & LT 15.00% annual, Flat 1 Fee 2 Ins 0% - 45.7% 23.9% - 74.2%
Ezukame Express PU & PM 0.00% annual, 0 0 Fees 0 Ins 0% - 71.7% 29.6% - 72.7%
Hembwa Wage Express 42.00% annual, Flat 1 Fee 2 Ins N/A 74.1% - 80.1% 75.3% - 85.1%
Hembwa Wage MT & LT 15.00% annual, Flat 2 Fees 2 Ins N/A 0% - 53.8% 26.5% - 56.5%
Kaze (Solidarity Group) GS & GS-PU 30.00% annual, Flat 1 Fee 0 Ins 54% - 68.5% 56.7% - 74.1%
Tunga Women MT & LT 13.00% annual, Flat 2 Fees 2 Ins 0% - 42.4% 35% - 74.9%

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
Curuza (Business) MT & LT 15.00% annual, Flat 1 Fee 2 Ins Ins 0% - 45.7% 23.9% - 74.2%
Ezukame Express PU & PM 0.00% annual, 0 0 Fees 0 Ins Ins 0% - 71.7% 29.6% - 72.7%
Hembwa Wage Express 42.00% annual, Flat 1 Fee 2 Ins Ins N/A 74.1% - 80.1% 75.3% - 85.1%
Hembwa Wage MT & LT 15.00% annual, Flat 2 Fees 2 Ins Ins N/A 0% - 53.8% 26.5% - 56.5%
Kaze (Solidarity Group) GS & GS-PU 30.00% annual, Flat 1 Fee 0 Ins Ins 54% - 68.5% 56.7% - 74.1%
Tunga Women MT & LT 13.00% annual, Flat 2 Fees 2 Ins Ins 0% - 42.4% 35% - 74.9%

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
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