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Institution

COOPERATIVA DE AHORRO Y CREDITO FATIMA LTDA. CALLE OBISPO PEÑA No 63Santa Cruz, Santa Cruz
Data approved: 2010-10-28
Data version: 1
Age of data: 165 months

Institution

Cantilan Bank, Inc. (A Rural Bank) Orozco St., Brgy. MagosilomCantilan, Surigao del Sur8317
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addresshttp://www.coopfatima.com/
Year established1962
Head of InstitutionOSCAR MANUEL CORONADO ESPINOZA
Regions active
# Branches5

Total Portfolio (nat'l)BOB 259,281,693
Total Portfolio (USD)USD 38,412,102.67
Active clients with loans5,240
Approximate % female clients20% - 40%
Approximate % urban clients80% - 100%
Network affiliationsNacional
Funders

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addresshttp://www.cantilanbank.com/
Year established1980
Head of InstitutionWilliam K. Hotchkiss III (Ret.)
Regions active
# Branches14

Total Portfolio (nat'l)PhP 84,060,000
Total Portfolio (USD)USD 2,011,004.79
Active clients with loans8,113
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliationsMCPI, RBAP, MABS, MMC
FundersPCFC, NLDC, Landbank, CARBAF

Loan Products » Summary

141 Borrowers
USD 435,408.15 Portfolio
Active Product
178 Borrowers
USD 1,272,820.15 Portfolio
Active Product
3,341 Borrowers
USD 14,039,596.89 Portfolio
Active Product
1,565 Borrowers
USD 19,300,714 Portfolio
Active Product
458 Borrowers
USD 3,464,515 Portfolio
Active Product
356 Borrowers
USD 1,465,142.52 Portfolio
Active Product
334 Borrowers
USD 4,302,502 Portfolio
Active Product

Loan Products » Summary

393 Borrowers
USD 152,870.81 Portfolio
Active Product
3,317 Borrowers
USD 1,307,655.50 Portfolio
Active Product
2,622 Borrowers
USD 195,693.78 Portfolio
Active Product
1,493 Borrowers
USD 331,100.48 Portfolio
Active Product
PEL
280 Borrowers
USD 23,133.97 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Crédito Oro (Bs) BOB 70,000 - 70,000 60 0% - 20% 80% - 100% Any Purpose Women, Men, Have business, Salaried worker Credit Educ, Credit Ins, Tech Asst Visits
CREDITO A SOLA FIRMA BOB 35,000 - 75,000 36 - 60 0% - 20% 80% - 100% Any Purpose Women, Men, Have business, Have home or land, Salaried worker Credit Educ, Credit Ins, Tech Asst Visits
DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL BOB 7,000 - 63,000 36 - 60 40% - 60% 20% - 40% Any Purpose Women, Men, Have business, Salaried worker Credit Educ, Credit Ins, Tech Asst Visits
DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA USD 1,000 - 50,000 24 - 96 0% - 20% 80% - 100% Any Purpose Women, Men, Have business, Have home or land, Salaried worker, Specific age group Credit Educ, Credit Ins, Tech Asst Visits
Diamante - USD USD 1,001 - 15,000 60 40% - 60% 80% - 100% Any Purpose Women, Men, Have business, Have home or land, Salaried worker Credit Educ, Credit Ins, Tech Asst Visits
Garantía Cruzada (Bs.) BOB 7,000 - 35,000 36 - 60 0% - 20% 80% - 100% Any Purpose Women, Men, Salaried worker, Specific age group Credit Educ, Credit Ins, Tech Asst Visits
HIPOTECARIO DE VIVIENDA USD 10,000 - 140,000 120 - 180 0% - 20% 80% - 100% Business, Housing Women, Men, Have business, Have home or land, Salaried worker Credit Educ, Credit Ins, Tech Asst Visits

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
HOME - Housing Microfinance for Entrepeneurs PHP 7,000 - 150,000 6 - 12 60% - 80% 60% - 80% Housing Women, Men, Have business, Specific age group Credit Ins, Business Training
KITA - Kita Insakto Tipon Asenso PHP 3,000 - 150,000 3 - 12 60% - 80% 40% - 60% Business Women, Men, Have business, Have home or land, Specific age group Credit Educ, Business Training
MAKITA - Magkahupong Kita Alang Sa Tanan PHP 3,000 - 25,000 6 - 12 60% - 80% 40% - 60% Business Women, Men, Have business, Have home or land, Specific age group Group Mtgs, Credit Ins, Business Training
PAG-UMA - Programang Agrikultura Alang Sa Mag-Uma Aron Mo Asenso PHP 3,000 - 150,000 3 - 12 20% - 40% 0% - 20% Business Women, Men, Have business, Have home or land, Specific age group Credit Ins, Business Training
PEL - Pang Eskwela Loan PHP 2,000 - 6,000 6 60% - 80% 60% - 80% Education Women, Men, Have business, Have home or land, Specific age group Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito Oro (Bs) 16.0% annual, Decl Bal 1 Fee 0 Ins 24.00 fixed 50.00 upfront 16.9% 17.6% 91
CREDITO A SOLA FIRMA 18.0% annual, Decl Bal 1 Fee 0 Ins 24.00 fixed 50.00 upfront 19% - 19.3% 19.7% - 20.5% 90
DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL 16.0%-18.0% annual, Decl Bal 1 Fee 0 Ins 24.00 fixed 50.00 upfront 16.9% - 19% 17.7% - 25.9% 74
DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA 13.0%-15.0% annual, Decl Bal 2 Fees 0 Ins 3.00 fixed 10.00 upfront 13.9% - 15.9% 14.4% - 22.5% 75
Diamante - USD 16.0% annual, Decl Bal 1 Fee 0 Ins 3.00 fixed 10.0% upfront 16.9% - 17% 17.3% - 17.4% 92
Garantía Cruzada (Bs.) 18.0%-20.0% annual, Decl Bal 1 Fee 0 Ins 24.00 fixed 50.00 upfront 20.7% - 21% 23.9% - 27.8% 71
HIPOTECARIO DE VIVIENDA 10.0%-13.0% annual, Decl Bal 2 Fees 0 Ins 3.00 fixed N/A 13.2% - 13.9% 14.2% - 14.4% 70

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
HOME - Housing Microfinance for Entrepeneurs 36.0% annual, Flat 1 Fee 1 Ins 0.50% loan amt 100.00 upfront 63% - 71.3% 65.1% - 75% 51
KITA - Kita Insakto Tipon Asenso 24.0%-36.0% annual, Flat 1 Fee 1 Ins None 100.00 upfront 5.00% ongoing 77% - 93.8% 80.9% - 101.7% 27
MAKITA - Magkahupong Kita Alang Sa Tanan 24.0% annual, Flat 1 Fee 1 Ins 0.50% loan amt 100.00 upfront 0.74% ongoing 68.6% 86.9% - 93.6% 27
PAG-UMA - Programang Agrikultura Alang Sa Mag-Uma Aron Mo Asenso 30.0%-36.0% annual, Flat 1 Fee 1 Ins None 100.00 upfront 5.00 ongoing 59% - 94.4% 61% - 104.9% 41
PEL - Pang Eskwela Loan 24.0% annual, Flat 1 Fee 1 Ins 30.00 fixed 100.00 upfront 3.00% ongoing 78.4% - 80.9% 105.4% - 114.1% 21

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito Oro (Bs) 16.0% annual, Decl Bal 1 Fee 0 Ins Ins 24.00 fixed 50.00 upfront 16.9% 17.6% 91
CREDITO A SOLA FIRMA 18.0% annual, Decl Bal 1 Fee 0 Ins Ins 24.00 fixed 50.00 upfront 19% - 19.3% 19.7% - 20.5% 90
DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL 16.0%-18.0% annual, Decl Bal 1 Fee 0 Ins Ins 24.00 fixed 50.00 upfront 16.9% - 19% 17.7% - 25.9% 74
DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA 13.0%-15.0% annual, Decl Bal 2 Fees 0 Ins Ins 3.00 fixed 10.00 upfront 13.9% - 15.9% 14.4% - 22.5% 75
Diamante - USD 16.0% annual, Decl Bal 1 Fee 0 Ins Ins 3.00 fixed 10.0% upfront 16.9% - 17% 17.3% - 17.4% 92
Garantía Cruzada (Bs.) 18.0%-20.0% annual, Decl Bal 1 Fee 0 Ins Ins 24.00 fixed 50.00 upfront 20.7% - 21% 23.9% - 27.8% 71
HIPOTECARIO DE VIVIENDA 10.0%-13.0% annual, Decl Bal 2 Fees 0 Ins Ins 3.00 fixed N/A 13.2% - 13.9% 14.2% - 14.4% 70

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
HOME - Housing Microfinance for Entrepeneurs 36.0% annual, Flat 1 Fee 1 Ins Ins 0.50% loan amt 100.00 upfront 63% - 71.3% 65.1% - 75% 51
KITA - Kita Insakto Tipon Asenso 24.0%-36.0% annual, Flat 1 Fee 1 Ins Ins None 100.00 upfront 5.00% ongoing 77% - 93.8% 80.9% - 101.7% 27
MAKITA - Magkahupong Kita Alang Sa Tanan 24.0% annual, Flat 1 Fee 1 Ins Ins 0.50% loan amt 100.00 upfront 0.74% ongoing 68.6% 86.9% - 93.6% 27
PAG-UMA - Programang Agrikultura Alang Sa Mag-Uma Aron Mo Asenso 30.0%-36.0% annual, Flat 1 Fee 1 Ins Ins None 100.00 upfront 5.00 ongoing 59% - 94.4% 61% - 104.9% 41
PEL - Pang Eskwela Loan 24.0% annual, Flat 1 Fee 1 Ins Ins 30.00 fixed 100.00 upfront 3.00% ongoing 78.4% - 80.9% 105.4% - 114.1% 21
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