Institution # Borrowers Portfolio (US$) Products Age of Data
AgroCapital21,90016,894,00011175
ANED5,4006,579,0003134
Banco FIE231,100569,322,0006134
BancoSol215,300861,418,00030134
CIDRE8,500126,578,0008134
Coop Fatima6,30044,280,0007175
CRECER166,900134,626,00013134
Diaconia67,00085,734,0002134
Ecofuturo59,200226,839,0005134
EMPRENDER8,7002,380,0003175
Fassil FFP57,600325,081,0005134
FONCRESOL3,9009,573,0003134
FONDECO14,20024,274,0003134
Fortaleza20,100164,530,00013134
FUBODE29,40024,444,0007134
FUNBODEM8,60015,798,0009134
IDEPRO10,40040,479,0002134
IMPRO2,4002,885,0004134
ProCredit84,300257,487,0008175
PRODEM44,90062,529,0004134
ProMujer BOL115,20050,753,0003134
Sartawi14,60026,842,0008134
  2. 1st Valley Bank
Please note that the information you are viewing is 162 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

1st Valley Bank, Inc. A Rural Bank Vamenta Blvd. corner Lirio St.CarmenCagayan de Oro City, Misamis Oriental8000
Data approved: 2011-11-23
Data version: 1
Age of data: 162 months

Product

DepEd APDS Loan Product 2 of 3 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 1,618,245,455
Portfolio (USD)USD 38,714,006.10
Active Clients with Loans22,118
Approximate % Female Clients60% - 80%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Loans granted to Deped Teachers and employees through Automatic Payroll Deduction System
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 20,000
Maximum loan size250,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term24.0 months
Approx average24.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest9.00%
Highest quoted nominal interest9.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionService ChargeNotarial Fee
% of loan amount - min4.30%0
% of loan amount - max4.30%0
OR, Fixed amount - min050
Fixed amount - max050
Reason for variationN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance
% of loan amount - min1.60%
% of loan amount - max1.60%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount depositedPHP 1,000
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 10
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid1.50%
Maximum interest rate paid1.50%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Full Pricing Data

DepEd APDS Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 30,000PHP 60,000PHP 90,000PHP 120,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-08-242011-08-232011-08-272011-08-24
Loan Term (Months)24.0 months24.0 months24.0 months24.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component21.5%21.4%21.3%21.3%
Insurance Component1.8%1.8%1.8%1.8%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component1.5%0.7%0.5%0.4%
Full APR (int fee ins tax dep)24.8%23.9%23.6%23.5%
Transparency Index36383838
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
DepEd APDS Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.RurBankInstitution TypeAnyLoan Purpose1st Valley BankInstitutionPH-001-V01-P02ProductPHCountry2011YearRange Number1Institution Data Version020,00040,00060,00080,000100,000120,000Loan Size (all)0%10%20%Full APR (int fee ins tax dep)> 4,4003,3002,2001,100100Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Click to view Price Analysis Tool
Caps / Zoom options
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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
Loading...
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

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞