2. ACLEDA
Please note that the information you are viewing is 167 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Bangko Kabayan
Please note that the information you are viewing is 158 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

ACLEDA Bank Plc. #61, Preah Monivong Blvd.Sangkat Srah Chork, Khan Daun PenhPhnom Penh, CambodiaN/A
Data approved: 2011-02-02
Data version: 2
Age of data: 167 months
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Institution

Bangko Kabayan, A Rural Bank, Inc. Santiago St., PoblacionIbaan, Batangas4230
Data approved: 2011-11-15
Data version: 1
Age of data: 158 months

Product

Micro Loan (THB) Product 3 of 6 « Prev | Next »

Product

Kabayan Loan Product 1 of 2 « Prev | Next »

Product Summary

Number borrowers7,344
Loan Amount (range)THB 7,000 - 60,000
Loan Term (range)6 - 18
Other Services (text summary)
Annual Interest & Method28.8%-32.4% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component30.4% - 33.0% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)30.4% - 33.0%
Transparency Index (min/max)78 - 95
Transparency Index (average)91

Product Summary

2,674
PHP 5,000 - 150,000
2 - 12
Credit Ins
24.0% annual, Flat
100.00-150.00 upfront 2.00% upfront
7.00% upfront
0.50% loan amt
2.0%-20.0% upfront 10.00% ongoing
 
N/A
55.0% - 64.7% (Int+Fee)
0 - 1.9%
1.0% - 1.1%
63.1% - 76.4%
31 - 44
35

Product Details

Key Statistics
Outstanding portfolio (THB)THB 150,884,878.10
Portfolio (USD)USD 5,114,741.63
Active Clients with Loans7,344
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Micro Loan is developed to support financial sources to borrowers for expansion of their businesses, including manufactures, trades, agriculture, services and tourism for individuals or group.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
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

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 51,086,475
Portfolio (USD)USD 1,222,164.47
Active Clients with Loans2,674
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Loan for microenterprise with loan purpose of working capital
Loan Purpose
Any purpose
Income generationx
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 businessx
Must own a home or land
Must be a salaried worker
Must be specific age groupx
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
CurrencyTHB
Minimum loan sizeTHB 7,000
Maximum loan size60,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term18.0 months
Approx average12.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeksx
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 5,000
Maximum loan size150,000
Loan Term and Grace Period
Shortest loan term2.0 months
Longest loan term12.0 months
Approx average6.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
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 interest2.40%
Highest quoted nominal interest2.70%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest2.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionNotarial FeeBank Charge
% of loan amount - min02.00%
% of loan amount - max02.00%
OR, Fixed amount - min1000
Fixed amount - max1500
Reason for variationN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionMRI
% of loan amount - min7.00%
% of loan amount - max7.00%
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 deposited2.00% - 20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited10.00%
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid0.05%
Maximum interest rate paid0.05%
Interest payment frequencyQuarterly
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A

Full Pricing Data

Micro Loan (THB) samples
Sample 1Sample 2Sample 4Sample 5
Loan AmountTHB 200,000THB 10,000THB 20,000THB 40,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2010-10-262010-10-282010-10-132010-10-19
Loan Term (Months)6.0 months12.0 months12.0 months12.0 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 Component33.0%31.6%31.6%30.4%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)33.0%31.6%31.6%30.4%
Transparency Index87919195
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Kabayan Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountPHP 7,000PHP 15,000PHP 30,000PHP 60,000PHP 85,000PHP 120,000
Loan Cycle (1, 2, 3, etc)10115181022
Disbursement Date2011-06-072011-06-272011-06-282011-07-152011-03-042011-07-14
Loan Term (Months)5.8 months3.0 months3.0 months3.0 months5.8 months5.8 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component55.0%64.7%59.5%59.5%55.0%55.0%
Insurance Component1.9%1.7%1.7%1.7%1.9%1.9%
Tax Component1.0%1.0%1.0%1.0%1.0%1.0%
Deposit Component5.2%9.0%5.5%5.5%5.2%5.2%
Full APR (int fee ins tax dep)63.1%76.4%67.7%67.7%63.1%63.1%
Transparency Index383135353838
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Micro Loan (THB) Price Graphs


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Kabayan Loan Price Graphs


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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
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