2. RBLI
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  2. SEDP
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Institution

Rural Bank of Liloy (ZN), Inc. BaybayLiloy, Zamboanga del Norte/ Region IX7115
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Institution

Simbag sa Pag-Asenso, Inc. 3/F SAC Building, Cathedral CompoundAlbay DistrictLegazpi City4500
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addressN/A
Year established1979
Head of InstitutionPANCRASIO D. AJERO
Regions active
# Branches5

Total Portfolio (nat'l)PhP 43,039,358
Total Portfolio (USD)USD 1,029,649.71
Active clients with loans5,290
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsMicroenterprise Access to Banking Services (MABS), Mindanao Microfinance Council (MMC), Rural Bankers Association of the Philippines (RBAP), Zamboanga del Norte Federation of Rural Banks
FundersBank of the Philippine Islands (BPI), Landbank of the Philippines (LBP), People's Credit and Finance Corporation (PCFC)

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.simbag.org/
Year established1994
Head of InstitutionRemegia L. Balucio
Regions active
# Branches18

Total Portfolio (nat'l)PhP 205,575,411
Total Portfolio (USD)USD 4,918,072.03
Active clients with loans26,942
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsPeople's Credit and Fiannce Corporation
FundersManos Unidas

Loan Products » Summary

PMPK
4,036 Borrowers
USD 393,294.72 Portfolio
Active Product
SIPAG
1,253 Borrowers
USD 632,766.47 Portfolio
Active Product

Loan Products » Summary

Balay
4,828 Borrowers
USD 505,519.88 Portfolio
Active Product
Productive
21,517 Borrowers
USD 3,358,047.61 Portfolio
Active Product
Sagip
722 Borrowers
USD 50,541.96 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
PMPK-GRASA Program PHP 2,000 - 50,000 3 - 12 60% - 80% 0% - 20% Business Women, Men, Have business, Specific age group, 2 years resident in area, Must pass Means Test Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training
SIPAG (Sinugdanan sa Paglambo) Loan PHP 5,000 - 150,000 3 - 12 60% - 80% 20% - 40% Business Women, Men, Have business, Specific age group, Has 2 valid IDs, Barangay Clearance, DTI , 2 years resident in area Credit Ins, Tech Asst Visits, Business Training, Seminar on Livelihoods

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Balay Asenso PHP 1,000 - 20,000 5 - 10 80% - 100% 20% - 40% Housing Women, Men, Have business, Have home or land, Member for > 6 months, At least on the 2nd cycle of regular loan Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Productive Loan PHP 1,000 - 150,000 2 - 10 80% - 100% 20% - 40% Business Women, Men Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Advocacy & scholarship program; Social Services, Spiritual & Formation Activities, Enterprise Development & Services, Calamity Relief Assistance
Sagip Asenso PHP 1,000 - 10,000 5 80% - 100% 20% - 40% Business Women, Men, Have business, Member for > 6 months, At least on the 2nd cycle of regular loan Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
PMPK-GRASA Program 30.0% annual, Flat 1 Fee 1 Ins 1.00% loan amt 50.00 ongoing 82.9% - 83% 93.2% - 165.2% 26
SIPAG (Sinugdanan sa Paglambo) Loan 30.0% annual, Flat 1 Fee 2 Ins None 5.0% upfront 0.02% ongoing 78.1% - 78.2% 97% - 113% 29

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Balay Asenso 24.0% annual, Flat 1 Fee 2 Ins None 5.0% upfront 10.00 ongoing 57.4% - 71.3% 69.8% - 94.1% 29
Productive Loan 24.0% annual, Flat 1 Fee 2 Ins None 5.0% upfront 10.00 ongoing 57.4% - 67.6% 75.4% - 163.5% 25
Sagip Asenso 24.0% annual, Flat 1 Fee 2 Ins None 5.0% upfront 10.00 ongoing 64.1% - 72.7% 82.2% - 96% 28

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
PMPK-GRASA Program 30.0% annual, Flat 1 Fee 1 Ins Ins 1.00% loan amt 50.00 ongoing 82.9% - 83% 93.2% - 165.2% 26
SIPAG (Sinugdanan sa Paglambo) Loan 30.0% annual, Flat 1 Fee 2 Ins Ins None 5.0% upfront 0.02% ongoing 78.1% - 78.2% 97% - 113% 29

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Balay Asenso 24.0% annual, Flat 1 Fee 2 Ins Ins None 5.0% upfront 10.00 ongoing 57.4% - 71.3% 69.8% - 94.1% 29
Productive Loan 24.0% annual, Flat 1 Fee 2 Ins Ins None 5.0% upfront 10.00 ongoing 57.4% - 67.6% 75.4% - 163.5% 25
Sagip Asenso 24.0% annual, Flat 1 Fee 2 Ins Ins None 5.0% upfront 10.00 ongoing 64.1% - 72.7% 82.2% - 96% 28
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