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Institution

Foundation for International Community Assistance (FINCA) Stand No. 4513 Madzimoyo Road, NorthmeadLusaka, Lusaka Province
Data approved: 2014-10-20
Data version: 2
Age of data: 113 months

Institution

Rural Bank of Liloy (ZN), Inc. BaybayLiloy, Zamboanga del Norte/ Region IX7115
Data approved: 2011-11-15
Data version: 1
Age of data: 150 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.finca.org/
Year established2001
Head of InstitutionThomas Lendzian
Regions activeCentral Province, Copperbelt Province, Eastern Province, Lusaka Province, Southern Province
# Branches14

Total Portfolio (nat'l)ZMW 105,140,570
Total Portfolio (USD)USD 16,420,850.34
Active clients with loans43,773
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliationsFINCA International
FundersINVESTOR! FINCA MICROFINANCE COOPERATIEF U.A. (NETHERLANDS), DONOR! MASTERCARD FOUNDATION

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addressN/A
Year established1979
Head of InstitutionPANCRASIO D. AJERO
Regions active
# Branches5

Total Portfolio (nat'l)PhP 43,039,358
Total Portfolio (USD)USD 1,029,649.71
Active clients with loans5,290
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsMicroenterprise Access to Banking Services (MABS), Mindanao Microfinance Council (MMC), Rural Bankers Association of the Philippines (RBAP), Zamboanga del Norte Federation of Rural Banks
FundersBank of the Philippine Islands (BPI), Landbank of the Philippines (LBP), People's Credit and Finance Corporation (PCFC)

Loan Products » Summary

5,473 Borrowers
USD 7,150,968.24 Portfolio
Active Product
12,425 Borrowers
USD 3,537,581.12 Portfolio
Active Product
25,762 Borrowers
USD 3,479,238.69 Portfolio
Active Product
113 Borrowers
USD 2,253,062.30 Portfolio
Active Product
Retired Product
Retired Product
Retired Product

Loan Products » Summary

4,036 Borrowers
USD 393,294.72 Portfolio
Active Product
1,253 Borrowers
USD 632,766.47 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Business Loans ZMW 1,500 - 100,000 6 - 24 60% - 80% 20% - 40% Business Women, Men, Have business, Must have a valid National Registration Card, Must have business or personal assets to pledge Credit Ins
Small Group Loan ZMW 1,200 - 15,000 6 - 12 60% - 80% 60% - 80% Business Women, Men, Have business, Must be a member of a self selected solidarity group Group Mtgs, Credit Ins
Village Banking Loans ZMW 150 - 12,500 6 - 12 60% - 80% 60% - 80% Business Women, Men, Have business, Must be a member of a self selected village bank Credit Educ, Group Mtgs, Credit Ins, Funeral benefits
Small Enterprise Loan ZMW 100,000 - 600,000 12 - 36 60% - 80% 20% - 40% Business Women, Men, Have business Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
PMPK-GRASA Program PHP 2,000 - 50,000 3 - 12 60% - 80% 0% - 20% Business Women, Men, Have business, Specific age group, 2 years resident in area, Must pass Means Test Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training
SIPAG (Sinugdanan sa Paglambo) Loan PHP 5,000 - 150,000 3 - 12 60% - 80% 20% - 40% Business Women, Men, Have business, Specific age group, Has 2 valid IDs, Barangay Clearance, DTI , 2 years resident in area Credit Ins, Tech Asst Visits, Business Training, Seminar on Livelihoods

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loans 51.4%-52.0% annual, Decl Bal 2 Fees 1 Ins None N/A 66.7% - 79% 68.4% - 81.4% 69
Small Group Loan 52.0% annual, Decl Bal 2 Fees 1 Ins None N/A 70.3% - 91% 72.6% - 95.2% 63
Village Banking Loans 52.0% annual, Decl Bal 2 Fees 1 Ins None N/A 74.9% - 91.2% 77.8% - 95.4% 59
Small Enterprise Loan 49.6% annual, Decl Bal 2 Fees 1 Ins None N/A 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
PMPK-GRASA Program 30.0% annual, Flat 1 Fee 1 Ins 1.00% loan amt 50.00 ongoing 82.9% - 83% 93.2% - 165.2% 26
SIPAG (Sinugdanan sa Paglambo) Loan 30.0% annual, Flat 1 Fee 2 Ins None 5.0% upfront 0.02% ongoing 78.1% - 78.2% 97% - 113% 29

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loans 51.4%-52.0% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 66.7% - 79% 68.4% - 81.4% 69
Small Group Loan 52.0% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 70.3% - 91% 72.6% - 95.2% 63
Village Banking Loans 52.0% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 74.9% - 91.2% 77.8% - 95.4% 59
Small Enterprise Loan 49.6% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
PMPK-GRASA Program 30.0% annual, Flat 1 Fee 1 Ins Ins 1.00% loan amt 50.00 ongoing 82.9% - 83% 93.2% - 165.2% 26
SIPAG (Sinugdanan sa Paglambo) Loan 30.0% annual, Flat 1 Fee 2 Ins Ins None 5.0% upfront 0.02% ongoing 78.1% - 78.2% 97% - 113% 29
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