| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | Yes |
| Website address | http://www.caritas.org.ph/ |
| Year established | 2006 |
| Head of Institution | Fr. Mario Castillo CM |
| Regions active | |
| # Branches | 19 |
| Total Portfolio (nat'l) | PhP 57,042,219.37 |
| Total Portfolio (USD) | USD 1,364,646.40 |
| Active clients with loans | 12,142 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | Caritas Manila/United Church Cooperative, Metro South Cooperative Bank, Vincentian Family Multi-Purpose Cooperative, Caritas et labora Human Resource Cooperative |
| Funders | Caritas Manila, Radyo Veritas, Bahay Pari MPC |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Regular Loan - 11 weeks | PHP 2,000 - 150,000 | 2.6 | 80% - 100% | 80% - 100% | Business | Women, Men, Have business | Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Life insurance, Values Formation | |||||||
| Regular Loan - 15 weeks | PHP 2,000 - 150,000 | 3.5 | 80% - 100% | 80% - 100% | Business | Women, Men, Have business | Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
| Regular Loan - 23 weeks | PHP 2,000 - 150,000 | 5.3 | 80% - 100% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Life insurance, Values Formation, Marketing Assistance, Business Development |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Regular Loan - 11 weeks | 40.0% annual, Flat | 1 Fee | 1 Ins | None | 50.00 ongoing | 103.1% | 108.1% - 118.2% | 36 | ||||||||
| Regular Loan - 15 weeks | 37.6% annual, Flat | 1 Fee | 1 Ins | None | 50.00 ongoing | 92.6% | 96.4% - 111.7% | 37 | ||||||||
| Regular Loan - 23 weeks | 30.0% annual, Flat | 1 Fee | 1 Ins | None | 50.00 ongoing | 71.8% | 77.5% - 96.2% | 36 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| ACLEDA | 235,200 | 215,086,000 | 6 | 160 |
| AMK | 288,200 | 63,784,000 | 16 | 132 |
| AMRET | 299,500 | 149,542,000 | 8 | 132 |
| Chamroeun | 48,100 | 7,480,000 | 4 | 113 |
| Farmer Finance | 200 | 407,000 | 1 | 132 |
| First Finance | 500 | 5,819,000 | 1 | 132 |
| HKL | 73,400 | 93,842,000 | 3 | 132 |
| KREDIT | 61,800 | 59,319,000 | 9 | 132 |
| Maxima | 2,900 | 3,179,000 | 3 | 132 |
| PRASAC | 138,500 | 251,931,000 | 9 | 132 |
| Seilanithih | 15,200 | 7,516,000 | 5 | 132 |
| SPN | 35,100 | 29,828,000 | 6 | 132 |
| TPC | 120,000 | 45,931,000 | 13 | 132 |
| VF Cambodia | 148,600 | 48,984,000 | 18 | 132 |
| Key Statistics | |
|---|---|
| # Samples: | |
| # Products | |
| # Institutions | |
| # Countries | |
| # Borrowers | |
| Loan Portfolio (USD) | |
| % Products using declining balance | |
| % Products with one or more fee | |
| % Products with one or more insurances | |
| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| N (# of Samples) | ||||||
| Total Borrrowers of Samples | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
