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Rural Bank of Guinobatan, Inc.
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rbap [dot] org
Mar 25 1964
Current Legal Status:
Social Performance Profile
Target markets (ranked by importance)
Clients living in rural areas
Clients living in urban areas
Development goals (ranked by importance)
Has trained members of its board on social performance management
Has a formal board committee that monitors social performance
Range of products and services
Financial products and services offered
Credit products offered
Savings products offered
Compulsory insurance products required
Voluntary insurance products offered
Other financial products and services offered
Non-financial services offered
Enterprise services offered
Education services offered
Health services offered
Women's empowerment services offered
Products and services targeting the poor
Social responsibility to clients
Client protection principles in use
The loan approval process requires evaluation of borrower repayment capacity and loan affordability. Loan approval does not rely solely on guarantees (whether peer guarantees, co-signers or collateral) as a substitute for good capacity analysis.
Internal audits check household debt exposure, lending practices that violate procedures including unauthorized re-financing, multiple borrowers or co-signers per household, and other practices that could increase indebtedness.
Productivity targets and incentive systems value portfolio quality at least as highly as other factors, such as disbursement or customer growth. Growth is rewarded only if portfolio quality is high.
Prices, terms and conditions of all financial products are fully disclosed to the customer prior to sale, including interest charges, insurance premiums, minimum balances, all fees, penalties, linked products, third party fees, and whether these can change over time.
Staff is trained to communicate effectively with all customers, ensuring that they understand the product, the terms of the contract, their rights and obligations. Communications techniques address literacy limitations (e.g. reading contracts out loud, materials in local languages).
Acceptable and unacceptable debt collection practices are clearly spelled out in a code of ethics, book of staff rules or debt collection manual.
The organization's corporate culture values and rewards high standards of ethical behavior and customer service.
A mechanism to handle customer complaints is in place, has dedicated staff resources, and is actively used. (Suggestion boxes alone are generally not considered adequate.)
Customers know how their information will be used. Staff explains how data will be used and seeks permission for use.
Cost of services to clients
Social responsibility to staff
Basis of staff incentives related to social performance
Social responsibility to the environment
Poverty measurement tools in use
At a glance
Gross Loan Portfolio
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