Institution

Peoples Bank of Caraga, Inc. Brgy. 5San Francisco, Agusan del Sur/Region XIII8501
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Institution

EB ACCION Savings and Loans Ltd No. 4 Nortei Ababio Street Roman RidgePMB CT 127, CantonmentsAccra, Greater Accra
Data approved: 2013-07-31
Data version: 1
Age of data: 132 months

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addresshttp://www.peoplesbankofcaraga.org/
Year established1972
Head of InstitutionCristina A. Bulaon
Regions active
# Branches12

Total Portfolio (nat'l)PhP 436,386,219
Total Portfolio (USD)USD 10,439,861.70
Active clients with loans41,943
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsMicrofinance Council of the Philippines, Inc. (MCPI)
Funders

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.eb-accion.com
Year established2008
Head of InstitutionMrs. Frances Adu-Mante
Regions activeGreater Accra Region, Ashanti Region, Brong Ahafo Region
# Branches8

Total Portfolio (nat'l)GHS 23,675,529
Total Portfolio (USD)USD 12,018,035.03
Active clients with loans9,401
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliationsGhana Association of Savings and Loans Companies, GHAMFIN
FundersEcobank Ghana Ltd, Ecobank Transitional Inc, ACCION International, IFC

Loan Products » Summary

3,285 Borrowers
USD 672,640.86 Portfolio
Active Product
31,305 Borrowers
USD 6,081,747.73 Portfolio
Active Product
14,249 Borrowers
USD 2,537,310.77 Portfolio
Active Product
1,876 Borrowers
USD 1,143,001.08 Portfolio
Active Product

Loan Products » Summary

4,497 Borrowers
USD 2,295,303.05 Portfolio
Active Product
880 Borrowers
USD 341,065.99 Portfolio
Active Product
2,755 Borrowers
USD 3,563,691.80 Portfolio
Active Product
265 Borrowers
USD 1,406,775.42 Portfolio
Active Product
SME
398 Borrowers
USD 3,727,540.98 Portfolio
Active Product
407 Borrowers
USD 75,230.26 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Allied Undertakings Loan PHP 3,000 - 150,000 6 - 12 80% - 100% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Cycled Loan / Enterprise Loan PHP 3,000 - 150,000 6 - 12 80% - 100% 20% - 40% Business Women, Men, Have business, Specific age group, Age must be 18 to 65 years old Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Farm Financing Loan PHP 3,000 - 10,000 6 80% - 100% 0% - 20% Business Women, Men, Have business, Specific age group Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
ISAPA-PPP PHP 5,000 - 75,000 6 0% - 20% 0% - 20% Business Women, Men, Specific age group Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Education Trips of Members

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Nkosuo GHS 50 - 3,000 3 - 12 60% - 80% 60% - 80% Business Women, Men, Have business, Specific age group Credit Ins
Micro Express GHS 50 - 1,000 3 - 6 60% - 80% 60% - 80% Business Women, Men, Specific age group Credit Ins
Adwuma Pa GHS 3,000 - 15,000 3 - 12 60% - 80% 80% - 100% Business Women, Men, Have business, Specific age group Credit Ins
Micro Plus GHS 15,000 - 30,000 3 - 24 40% - 60% 40% - 60% Business Women, Men, Have business, Have home or land, Specific age group Credit Ins
SME GHS 30,000 - 50,000 3 - 24 0% - 20% 80% - 100% Business Women, Men, Have business, Have home or land, Specific age group Credit Ins
Group GHS 600 - 3,000 3 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, 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
Allied Undertakings Loan 24.0% annual, Flat 2 Fees 1 Ins 0.50% loan amt N/A 59.2% - 61.1% 62.9% - 65.7% 37
Cycled Loan / Enterprise Loan 24.0% annual, Flat 2 Fees 1 Ins 0.50% loan amt 100.00 upfront 0.37% ongoing 58.1% - 63% 70.7% - 76.3% 32
Farm Financing Loan 28.0% annual, Flat 2 Fees 1 Ins 0.50% loan amt N/A 36.2% - 36.8% 38.3% - 39% 72
ISAPA-PPP 28.0% annual, Flat 2 Fees 1 Ins 0.50% loan amt N/A 66.5% 67.4% - 69% 41

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Nkosuo 48.0% annual, Flat 1 Fee 1 Ins None 81.2% - 82.6% 83.9% - 120.9% 52
Micro Express 48.0% annual, Flat 1 Fee 1 Ins None 2.50-10.00 ongoing 87.8% - 95.1% 154.3% - 180.7% 29
Adwuma Pa 45.0% annual, Flat 1 Fee 1 Ins None 61.3% - 76.6% 68.3% - 78% 61
Micro Plus 42.0%-45.0% annual, Flat 1 Fee 1 Ins None 74% - 76.6% 75.2% - 78.2% 54
SME 38.4%-42.0% annual, Flat 1 Fee 1 Ins None 59.9% - 64.5% 60.7% - 66.9% 59
Group 48.0% annual, Flat 1 Fee 1 Ins None 2.50-10.00 ongoing 74.1% - 77.1% 111.6% - 118.8% 41

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Allied Undertakings Loan 24.0% annual, Flat 2 Fees 1 Ins Ins 0.50% loan amt N/A 59.2% - 61.1% 62.9% - 65.7% 37
Cycled Loan / Enterprise Loan 24.0% annual, Flat 2 Fees 1 Ins Ins 0.50% loan amt 100.00 upfront 0.37% ongoing 58.1% - 63% 70.7% - 76.3% 32
Farm Financing Loan 28.0% annual, Flat 2 Fees 1 Ins Ins 0.50% loan amt N/A 36.2% - 36.8% 38.3% - 39% 72
ISAPA-PPP 28.0% annual, Flat 2 Fees 1 Ins Ins 0.50% loan amt N/A 66.5% 67.4% - 69% 41

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Nkosuo 48.0% annual, Flat 1 Fee 1 Ins Ins None 81.2% - 82.6% 83.9% - 120.9% 52
Micro Express 48.0% annual, Flat 1 Fee 1 Ins Ins None 2.50-10.00 ongoing 87.8% - 95.1% 154.3% - 180.7% 29
Adwuma Pa 45.0% annual, Flat 1 Fee 1 Ins Ins None 61.3% - 76.6% 68.3% - 78% 61
Micro Plus 42.0%-45.0% annual, Flat 1 Fee 1 Ins Ins None 74% - 76.6% 75.2% - 78.2% 54
SME 38.4%-42.0% annual, Flat 1 Fee 1 Ins Ins None 59.9% - 64.5% 60.7% - 66.9% 59
Group 48.0% annual, Flat 1 Fee 1 Ins Ins None 2.50-10.00 ongoing 74.1% - 77.1% 111.6% - 118.8% 41
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