Loan Conditions

Loan Amount

Currency	INR
Minimum loan size	INR 5,000
Maximum loan size	50,000

Distribution at Disbursement (Est.)

Loans less than INR 5,000	0
INR 5,000-15,000	60%
INR 15,000-25,000	30%
INR 25,000-35,000	5%
INR 35,000-45,000	5%
Greater than INR 45,000	5%

Loan Term and Grace Period

Shortest loan term	11.5 months
Longest loan term	24.0 months
Approx average	15.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	0
Between 7 and 9 months	0
Between 10 and 12 months	90%
Between 13 and 18 months	10%
Longer than 18 months	0

Grace Period

Grace period usage	0
Average grace period	0.3 months

Repayment Frequency

Daily
Weekly	x
Every 2 weeks	x
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount

Currency	PHP
Minimum loan size	PHP 10,000
Maximum loan size	150,000

Loan Term and Grace Period

Shortest loan term	2.1 months
Longest loan term	6.0 months
Approx average	6.0 months

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily	x
Weekly	x
Every 2 weeks	x
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Upfront Fees

	Fee 1
Description	Processing Fee
% of loan amount - min	0.88%
% of loan amount - max	0.88%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	Yes

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Insurance Fee
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	51
Fixed amount - max	51
Reason for variation	Insurance is 51 per 10,000 INR. Cover includes spouse.
Appears on Repayment Sched?	Yes

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	Yes
Percentage of fees	12.4%
All or some fees taxed	Some

Pricing Information

Interest

Upfront Fees

	Fee 1
Description	Service Fee
% of loan amount - min	1.00%
% of loan amount - max	3.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation
Appears on Repayment Sched?	No

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 for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?	Yes
Do borrowers control deposit in their group?

Deposit BEFORE or AT Disbursement

% loan amount deposited	5.00%
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	10.00%
or, Fixed-amount deposited	0
Conditions on access to deposit	End Term

Interest Paid on Deposit

Minimum interest rate paid	2.00%
Maximum interest rate paid	2.00%
Interest payment frequency	Monthly

Taxes

Are taxes charged on this product?

No

Additional Comments

FEES: Service fee rate is diminishing based on repayment performance of the client. SAVINGS: Amount deposited periodically is 1% of amortization. Access to savings only after 3rd cycle on condition that 5% of the micro-savings is not withdrawn. In case of emergency, access to savings is allowed. In case of holiday, client is expected to pay by the next working day or in advance

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