| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | No |
| Website address | http://www.swayanshree.org/ |
| Year established | 2006 |
| Head of Institution | Ms. Nayana Mohanty |
| Regions active | |
| # Branches | 3 |
| Total Portfolio (nat'l) | INR 48,681,845 |
| Total Portfolio (USD) | USD 918,525.38 |
| Active clients with loans | 8,008 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations |
| Institution Type | RurBank |
| Is this institution regulated? | Yes |
| Website address | http://www.firstmacrobank.com/ |
| Year established | 1960 |
| Head of Institution | Reggie Ocampo |
| Regions active | |
| # Branches | 8 |
| Total Portfolio (nat'l) | PhP 28,000,000 |
| Total Portfolio (USD) | USD 669,856.46 |
| Active clients with loans | 3,000 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | Rural Bankers Association of the Philippines, People's Credit and Finance Corporation |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loan | INR 2,000 - 50,000 | 6 - 24 | 80% - 100% | 0% - 20% | Any Purpose | Women, Have business, Have home or land | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Other Training | |||||||
| Asha Loan | INR 3,000 - 6,000 | 6 - 18 | 80% - 100% | 80% - 100% | Any Purpose | Women | Credit Educ, Group Mtgs, Credit Ins |
| 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 |
| Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loan | 0% | 20.6% - 21.8% | 31.1% - 32.8% | N/A | ||||||||||
| Asha Loan | 0% | 8.9% | 13.4% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loan | 18.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 20.0% upfront | 20.6% - 21.8% | 31.1% - 32.8% | 57 | ||||||||
| Asha Loan | 0.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 20.0% upfront 1.00% ongoing | 8.9% | 13.4% | 0 |
| 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 |
| Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loan | 0% | 20.6% - 21.8% | 31.1% - 32.8% | N/A | ||||||||||
| Asha Loan | 0% | 8.9% | 13.4% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loan | 18.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 20.0% upfront | 20.6% - 21.8% | 31.1% - 32.8% | 57 | ||||||||
| Asha Loan | 0.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 20.0% upfront 1.00% ongoing | 8.9% | 13.4% | 0 |
| 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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| % Products with compulsory deposits |
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