Loan Conditions

Loan Amount

Currency	PHP
Minimum loan size	PHP 3,000
Maximum loan size	50,000

Loan Term and Grace Period

Shortest loan term	6.0 months
Longest loan term	24.0 months
Approx average	6.0 months

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly	x
Every 2 weeks
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	Salamat Fund
% of loan amount - min	5.00%
% of loan amount - max	5.00%
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

	Ins 1
Description	Loan Insurance
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	5
Fixed amount - max	5
Reason for variation	N/A
Appears on Repayment Sched?	No

Ongoing Insurance Fees

	Ins 1
Description	Loan Insurance
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	5
Fixed amount - max	5
Reason for variation	N/A
Appears on Repayment Sched?	No

Compulsory Deposit

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

Deposit BEFORE or AT Disbursement

% loan amount deposited	0
or, Fixed-amount deposited	PHP 5

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	PHP 5
Conditions on access to deposit	When Leaving

Interest Paid on Deposit

Minimum interest rate paid	0
Maximum interest rate paid	0
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?

No

Additional Comments

To avail of insurance, one-time membership fee of P25 is collected. Salamat Fund goes to a group fund against which members can loan. General Loan is the primary loan of members. Members may get additional loans, but will only pay for insurance and deposit savings once. Member is required to deposit P5 and pay P5 insurance premium every week, with or without a loan.

General Loan Price Graphs

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
ACLEDA	235,200	215,086,000	6	171
AMK	288,200	63,784,000	16	143
AMRET	299,500	149,542,000	8	143
Chamroeun	48,100	7,480,000	4	123
Farmer Finance	200	407,000	1	143
First Finance	500	5,819,000	1	143
HKL	73,400	93,842,000	3	143
KREDIT	61,800	59,319,000	9	143
Maxima	2,900	3,179,000	3	143
PRASAC	138,500	251,931,000	9	143
Seilanithih	15,200	7,516,000	5	143
SPN	35,100	29,828,000	6	143
TPC	120,000	45,931,000	13	143
VF Cambodia	148,600	48,984,000	18	143