2. ASHI
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
  2. Yukti
Please note that the information you are viewing is 170 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Ahon sa Hirap, Inc. 76 8th AvenueCubaoQuezon City1109
Data approved: 2011-11-15
Data version: 1
Age of data: 158 months

Institution

Yukti Samaj Sewa Society Near Meenakshi ChowkI.T.I. RoadHoshangabad, Madhya Pradesh461001
Data approved: 2010-10-25
Data version: 1
Age of data: 170 months

Product

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Product

Agricultural Loan Product 1 of 2 « Prev | Next »

Product Summary

Number borrowers19,732
Loan Amount (range)PHP 3,000 - 50,000
Loan Term (range)6 - 24
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Life Insurance
Annual Interest & Method25.0% annual, Flat
Fees5.00% upfront
Insurance5.00 upfront 5.00 ongoing
TaxNone
Comp Dep5.00 upfront 5.00 ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component70.1% (Int+Fee)
Insurance Component0 - 33.7%
Tax Component Range0
Full APR (int fee ins tax dep)72.1% - 106.2%
Transparency Index (min/max)0 - 75
Transparency Index (average)31

Product Summary

35
INR 5,000 - 12,000
6
Credit Educ, Group Mtgs, Credit Ins
18.0% annual, Flat
None
None
None
N/A
 
N/A
27.6% - 27.9% (Int+Fee)
1.1% - 1.4%
0
29.0% - 29.3%
40 - 62
61

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 146,270,315
Portfolio (USD)USD 3,499,289.83
Active Clients with Loans19,732
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Loans used for income generating activities/business
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other training
OtherLife Insurance
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
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 (INR)INR 295,080
Portfolio (USD)USD 5,567.55
Active Clients with Loans35
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village banking
Self help groupx
Other
Description
This product is very useful for our agriculture based area. This product is spcially designed for agiculture. \r
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherCan ONLY be used for working capital
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Household income <60,000 INR
Household income <120,000 INR
Must live in rural area
Must lives in urban area
OtherAgricutual needs and working capital
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 3,000
Maximum loan size50,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term24.0 months
Approx average6.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 5,000
Maximum loan size12,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term6.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months100%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
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 interest25.00%
Highest quoted nominal interest25.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionSalamat Fund
% of loan amount - min5.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLoan Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min5
Fixed amount - max5
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
Ins 1
DescriptionLoan Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min5
Fixed amount - max5
Reason for variationN/A
Appears on Repayment Sched?No
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount depositedPHP 5
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 5
Conditions on access to depositWhen Leaving
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/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.

Pricing Information

Interest
Lowest quoted nominal interest18.00%
Highest quoted nominal interest18.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
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

Full Pricing Data

General Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 5,000PHP 7,000PHP 15,000PHP 30,000
Loan Cycle (1, 2, 3, etc)1242
Disbursement Date2011-03-282011-03-152011-03-082011-01-31
Loan Term (Months)5.8 months5.8 months5.8 months5.8 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 Component70.1%70.1%70.1%70.1%
Insurance Component33.7%7.1%3.3%1.7%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component2.3%1.2%0.6%0.3%
Full APR (int fee ins tax dep)106.2%78.5%74.0%72.1%
Transparency Index24323435
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Agricultural Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountINR 7,000INR 7,000INR 10,000INR 12,000
Loan Cycle (1, 2, 3, etc)4445
Disbursement Date2010-03-062010-03-062010-03-062010-04-20
Loan Term (Months)6.0 months6.0 months6.0 months6.0 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 Component27.8%27.8%27.6%27.9%
Insurance Component1.4%1.4%1.4%1.4%
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)29.2%29.2%29.0%29.3%
MFIN MFI Earning (Annualised)27.8%27.8%27.6%27.9%
MFIN Cost to Borrower (Annualised)29.2%29.2%29.0%29.3%
Transparency Index62626261
MFIN Transparency IndexN/AN/AN/AN/A
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
General Loan Price Graphs


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Agricultural 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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