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Institution

Eclof International Zambia 7th Floor Kulima Tower BuildingKatunjila RoadLusaka10101
Data approved: 2011-12-12
Data version: 1
Age of data: 156 months

Institution

First Macro Bank B. Morcilla cor. P. Herrera Sts.Pateros, Metro Manila1621
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.eclof.org/
Year established1993
Head of InstitutionAnthony Moonga
Regions active
# Branches0

Total Portfolio (nat'l)ZMK 568,000,000
Total Portfolio (USD)USD 109,758.45
Active clients with loans462
Approximate % female clients60% - 80%
Approximate % urban clients80% - 100%
Network affiliationsAMIZ, Eclof International
Funders

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addresshttp://www.firstmacrobank.com/
Year established1960
Head of InstitutionReggie Ocampo
Regions active
# Branches8

Total Portfolio (nat'l)PhP 28,000,000
Total Portfolio (USD)USD 669,856.46
Active clients with loans3,000
Approximate % female clients80% - 100%
Approximate % urban clients60% - 80%
Network affiliationsRural Bankers Association of the Philippines, People's Credit and Finance Corporation
Funders

Loan Products » Summary

125 Borrowers
USD 26,628.02 Portfolio
Active Product
SME
40 Borrowers
USD 39,806.76 Portfolio
Low Volume Product
35 Borrowers
USD 24,985.51 Portfolio
Low Volume Product
28 Borrowers
USD 19,903.38 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 » Summary

1,250 Borrowers
USD 112,440.19 Portfolio
Active Product
1,500 Borrowers
USD 598,086.12 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Solidarity Group Loan ZMK 300,000 - 2,000,000 3 - 12 60% - 80% 80% - 100% Business Women, Men, Have business Group Mtgs, Tech Asst Visits, Business Training, Other Training
Individual Loan ZMK 4,500,000 - 7,000,000 3 - 12 60% - 80% 80% - 100% Business Women, Men, Have business Other Training
Salary Guaranteed Loan ZMK 1,500,000 - 10,000,000 1 - 12 40% - 60% 80% - 100% Any Purpose Women, Men, Salaried worker Group Mtgs, Other Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Sikap PHP 5,000 - 15,000 5.8 80% - 100% 40% - 60% Business Women, Must have net income of > P2000 per month Credit Educ, Group Mtgs, Tech Asst Visits, Life insurance
Unlad PHP 5,000 - 150,000 1 - 6 80% - 100% 60% - 80% Business Women, Men, Have business Credit Ins, Tech Asst Visits

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Solidarity Group Loan 60.0% annual, Flat 2 Fees 2 Ins None 25.0% upfront 140.2% - 201.6% 255.1% - 387.6% 20
Individual Loan 60.0% annual, Flat 2 Fees 2 Ins None 25.0% upfront 110.8% - 119.4% 180.1% - 205.1% 30
Salary Guaranteed Loan 96.0% annual, Flat 1 Fee 1 Ins None N/A 170.9% - 177.7% 176% - 187.3% 53

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Sikap 30.0% annual, Flat 1 Fee 1 Ins 5.00% loan amt 5.0% upfront 20.00 ongoing 68.4% - 70.6% 113.4% - 134.3% 24
Unlad 24.0%-36.0% annual, Flat 2 Fees 1 Ins 0.50% loan amt 10.00% ongoing 77.5% - 85.5% 92.7% - 102.3% 25

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Solidarity Group Loan 60.0% annual, Flat 2 Fees 2 Ins Ins None 25.0% upfront 140.2% - 201.6% 255.1% - 387.6% 20
Individual Loan 60.0% annual, Flat 2 Fees 2 Ins Ins None 25.0% upfront 110.8% - 119.4% 180.1% - 205.1% 30
Salary Guaranteed Loan 96.0% annual, Flat 1 Fee 1 Ins Ins None N/A 170.9% - 177.7% 176% - 187.3% 53

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Sikap 30.0% annual, Flat 1 Fee 1 Ins Ins 5.00% loan amt 5.0% upfront 20.00 ongoing 68.4% - 70.6% 113.4% - 134.3% 24
Unlad 24.0%-36.0% annual, Flat 2 Fees 1 Ins Ins 0.50% loan amt 10.00% ongoing 77.5% - 85.5% 92.7% - 102.3% 25
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Key Statistics
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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