2. PMPC
Please note that the information you are viewing is 151 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Hofokam
Please note that the information you are viewing is 137 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Paglaum Multi Purpose Cooperative 2F PMPC Bldg., Eastern LoocPlaridel, Misamis Occidental7209
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Institution

Hofokam Ltd Head OfficeFort Portal, Western UgandaPO Box 228
Data approved: 2012-07-24
Data version: 2
Age of data: 137 months
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Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addresshttp://www.paglaumcoop.org.ph/
Year established1992
Head of InstitutionGadwin E. Handumon
Regions active
# Branches14

Total Portfolio (nat'l)PhP 247,944,967
Total Portfolio (USD)USD 5,931,697.78
Active clients with loans21,775
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsMASS-SPECC, NATTCO, Association of Asean Confederation of Credit Unions (AACCU), Microfinance Council of the Philippines, Inc. (MCPI)
Funders

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established2003
Head of InstitutionCharles Isingoma
Regions activeWestern
# Branches7

Total Portfolio (nat'l)UGX 11,983,000,000
Total Portfolio (USD)USD 4,745,742.57
Active clients with loans20,908
Approximate % female clients40% - 60%
Approximate % urban clients60% - 80%
Network affiliationsAMFIU, AMT, MFI Upgrading Initiative
FundersTriple Jump, Oikocredit, TRIAS, CRS

Loan Products » Summary

Barangay
670 Borrowers
USD 245,934.02 Portfolio
Active Product
Emergency
589 Borrowers
USD 16,991.70 Portfolio
Active Product
Housing
491 Borrowers
USD 452,572.75 Portfolio
Active Product
MEDAL
1,520 Borrowers
USD 88,541.15 Portfolio
Active Product
Motorcycle
219 Borrowers
USD 193,819.49 Portfolio
Active Product
Pension
2,073 Borrowers
USD 796,964.55 Portfolio
Active Product
Project Loan
12,767 Borrowers
USD 1,581,371.55 Portfolio
Active Product
Regular
5,185 Borrowers
USD 2,189,284.21 Portfolio
Active Product

Loan Products » Summary

Agriculture
2,506 Borrowers
USD 249,259.05 Portfolio
Active Product
Individual
2,951 Borrowers
USD 1,777,613.89 Portfolio
Active Product
Salary
573 Borrowers
USD 228,537.39 Portfolio
Active Product
Schl Fees
140 Borrowers
USD 127,700.42 Portfolio
Active Product
Sol Grp
1,278 Borrowers
USD 138,744.51 Portfolio
Active Product
Village
9,843 Borrowers
USD 622,744.60 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Barangay Official Livelihood Assistance PHP 500 - 15,000 6 - 36 60% - 80% 0% - 20% Any Purpose Women, Men, Barangay Officials Credit Educ, Credit Ins
Emergency Loan PHP 500 - 2,000 3 - 6 60% - 80% 0% - 20% Other, Open to all regular and PDP members who are MIGS i, < 60 years Women, Men Group Mtgs
Housing Loan Program PHP 50,000 - 300,000 12 - 26 80% - 100% 0% - 20% Housing Women, Men Credit Educ, Credit Ins
MEDAL 1 PHP 5,000 - 5,000 3 - 6 60% - 80% 0% - 20% Business Women, Men, Have business, Must be Coop member Credit Educ, Group Mtgs, Credit Ins
Motorcycle Loan PHP 60,000 - 120,000 12 - 36 60% - 80% 0% - 20% Consumer Women, Men, Must have MIGS status, Must be Coop member Credit Educ, Credit Ins
Pension Loan PHP 10,000 - 100,000 6 - 24 40% - 60% 0% - 20% Any Purpose Women, Men, Must be pension holder, Must be <80 years Credit Educ, Credit Ins
Project Loan (Micro-Regular Loan) PHP 500 - 150,000 3 - 18 80% - 100% 0% - 20% Business Women, Men, Must be Coop member Credit Educ, Credit Ins
Regular Loan PHP 500 - 1,000,000 1 - 36 60% - 80% 0% - 20% Business, Housing, Consumer, Education, Other Women, Men, Must be Coop member Credit Educ, Credit Ins, Tech Asst Visits, Business Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan UGX 50,000 - 15,000,000 6 - 12 60% - 80% 20% - 40% Business Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Individual Loan UGX 500,000 - 10,000,000 6 - 24 20% - 40% 20% - 40% Business, Housing, Education Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Salary Loan UGX 250,000 - 10,000,000 6 - 12 20% - 40% 20% - 40% Housing, Consumer, Education Women, Men, Salaried worker, Specific age group Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
School Fees Loan UGX 700,000 - 1,500,000 6 - 8 20% - 40% 20% - 40% Education Women, Men, Have business Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Solidarity Group Loan UGX 200,000 - 500,000 4 - 12 60% - 80% 40% - 60% Business, Consumer, Education Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Village Bank Loan UGX 50,000 - 5,000,000 4 - 12 40% - 60% 0% - 20% Business, Consumer, Education Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Tech Asst Visits, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Barangay Official Livelihood Assistance 22.8% annual, Flat 2 Fees 2 Ins None 6.5% upfront 26.00 ongoing 44.9% - 52.7% 59.2% - 79.8% 35
Emergency Loan 30.0% annual, Flat 2 Fees 2 Ins None 6.5% upfront 76% - 81.7% 174% - 194.8% 16
Housing Loan Program 21.0% annual, Decl Bal 2 Fees 2 Ins None 6.5% upfront 24.4% - 24.5% 31.1% - 34.2% 64
MEDAL 1 30.0%-36.0% annual, Flat 2 Fees 2 Ins None 6.5% upfront 26.00 ongoing 13.4% - 84.8% 22.1% - 114.2% 68
Motorcycle Loan 21.0% annual, Decl Bal 2 Fees 2 Ins None 6.5% upfront 26.00 ongoing 24.5% 31.6% - 33.4% 65
Pension Loan 36.0% annual, Flat 2 Fees 2 Ins None 6.5% upfront 26.00 ongoing 61.6% - 70.8% 70.1% - 85.5% 47
Project Loan (Micro-Regular Loan) 30.0% annual, Flat 2 Fees 2 Ins None 6.5% upfront 26.00 ongoing 55.1% - 79.9% 66.2% - 175.4% 32
Regular Loan 36.0% annual, Flat 2 Fees 2 Ins None 6.5% upfront 26.00 ongoing 69.9% - 88.7% 83.2% - 122.6% 37

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 33.60% annual, Flat 1 Fee 1 Ins None 20.00% upfront 32.8% - 56% 41.2% - 93.3% 54
Individual Loan 30.00% annual, Flat 1 Fee 1 Ins None N/A 60.1% - 61.1% 61.2% - 79.9% 44
Salary Loan 33.60% annual, Flat 1 Fee 1 Ins None N/A 38.8% - 41% 39.2% - 45.8% 81
School Fees Loan 33.60% annual, Flat 1 Fee 1 Ins None N/A 61.2% - 61.6% 66.1% - 76.2% 47
Solidarity Group Loan 36.00% annual, Flat 1 Fee 1 Ins None 20.00% upfront 64.2% - 65.3% 82.1% - 90.9% 41
Village Bank Loan 36.00% annual, Flat 1 Fee 1 Ins None 20.00% upfront 64.4% - 64.7% 67% - 69.1% 52

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Barangay Official Livelihood Assistance 22.8% annual, Flat 2 Fees 2 Ins Ins None 6.5% upfront 26.00 ongoing 44.9% - 52.7% 59.2% - 79.8% 35
Emergency Loan 30.0% annual, Flat 2 Fees 2 Ins Ins None 6.5% upfront 76% - 81.7% 174% - 194.8% 16
Housing Loan Program 21.0% annual, Decl Bal 2 Fees 2 Ins Ins None 6.5% upfront 24.4% - 24.5% 31.1% - 34.2% 64
MEDAL 1 30.0%-36.0% annual, Flat 2 Fees 2 Ins Ins None 6.5% upfront 26.00 ongoing 13.4% - 84.8% 22.1% - 114.2% 68
Motorcycle Loan 21.0% annual, Decl Bal 2 Fees 2 Ins Ins None 6.5% upfront 26.00 ongoing 24.5% 31.6% - 33.4% 65
Pension Loan 36.0% annual, Flat 2 Fees 2 Ins Ins None 6.5% upfront 26.00 ongoing 61.6% - 70.8% 70.1% - 85.5% 47
Project Loan (Micro-Regular Loan) 30.0% annual, Flat 2 Fees 2 Ins Ins None 6.5% upfront 26.00 ongoing 55.1% - 79.9% 66.2% - 175.4% 32
Regular Loan 36.0% annual, Flat 2 Fees 2 Ins Ins None 6.5% upfront 26.00 ongoing 69.9% - 88.7% 83.2% - 122.6% 37

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 33.60% annual, Flat 1 Fee 1 Ins Ins None 20.00% upfront 32.8% - 56% 41.2% - 93.3% 54
Individual Loan 30.00% annual, Flat 1 Fee 1 Ins Ins None N/A 60.1% - 61.1% 61.2% - 79.9% 44
Salary Loan 33.60% annual, Flat 1 Fee 1 Ins Ins None N/A 38.8% - 41% 39.2% - 45.8% 81
School Fees Loan 33.60% annual, Flat 1 Fee 1 Ins Ins None N/A 61.2% - 61.6% 66.1% - 76.2% 47
Solidarity Group Loan 36.00% annual, Flat 1 Fee 1 Ins Ins None 20.00% upfront 64.2% - 65.3% 82.1% - 90.9% 41
Village Bank Loan 36.00% annual, Flat 1 Fee 1 Ins Ins None 20.00% upfront 64.4% - 64.7% 67% - 69.1% 52
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