Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.ashi.org.ph/ |
Year established | 1991 |
Head of Institution | Mila Mercado-Bunker |
Regions active | |
# Branches | 21 |
Total Portfolio (nat'l) | PhP 238,006,978 |
Total Portfolio (USD) | USD 5,693,946.84 |
Active clients with loans | 31,322 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 20% - 40% |
Network affiliations | Microfinance Council of the Philippines, Social Performance Taskforce, Social Performance Network, Grameen Global Network |
Funders | TRIAS, PCFC, Peace & Equity Foundation, KIVA |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Center Loan | PHP 1,000 - 50,000 | 6 - 24 | 80% - 100% | 20% - 40% | Other, Payment of past due of willful member | Women | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
Educational Loan | PHP 3,000 - 20,000 | 6 - 24 | 80% - 100% | 20% - 40% | Education | Women | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
General Loan | PHP 3,000 - 50,000 | 6 - 24 | 80% - 100% | 20% - 40% | Business | Women | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Life Insurance | |||||||
Group Fund Loan | PHP 700 - 49,000 | 2 - 6 | 80% - 100% | 20% - 40% | Other | Women | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
House Repair Loan | PHP 3,000 - 20,000 | 6 - 24 | 80% - 100% | 20% - 40% | Housing | Women | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
Recovery Loan | PHP 3,000 - 3,000 | 6 | 80% - 100% | 20% - 40% | Business | Women | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Center Loan | 25.0% annual, Flat | 0 Fees | 0 Ins | None | N/A | 33.1% - 44.3% | 33.1% - 44.3% | 65 | ||||||||
Educational Loan | 25.0% annual, Flat | 0 Fees | 0 Ins | None | N/A | 47.3% - 48.4% | 47.3% - 48.4% | 52 | ||||||||
General Loan | 25.0% annual, Flat | 1 Fee | 2 Ins | None | 5.00 upfront 5.00 ongoing | 70.1% | 72.1% - 106.2% | 31 | ||||||||
Group Fund Loan | 0.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 17.3% - 19.8% | 17.3% - 40.9% | 0 | ||||||||
House Repair Loan | 25.0% annual, Flat | 0 Fees | 0 Ins | None | N/A | 47.3% - 47.6% | 47.3% - 47.6% | 53 | ||||||||
Recovery Loan | 25.0% annual, Flat | 0 Fees | 0 Ins | None | None | 47.3% - 48.4% | 47.3% - 48.4% | 52 |
Outstanding portfolio (THB) | THB 150,884,878.10 |
Portfolio (USD) | USD 5,114,741.63 |
Active Clients with Loans | 7,344 |
Approximate % Female Clients | 60% - 80% |
Approximate % Urban Clients | 0% - 20% |
Individual | x |
Solidarity group | x |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services | x |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Currency | THB |
Minimum loan size | THB 7,000 |
Maximum loan size | 60,000 |
Shortest loan term | 6.0 months |
Longest loan term | 18.0 months |
Approx average | 12.0 months |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | x |
Every 2 weeks | x |
Every 4 weeks | x |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 2.40% |
Highest quoted nominal interest | 2.70% |
Reason(s) why interest rate varies | Branch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose |
Interest rate period | Monthly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | Yes |
Is rate fixed for entire loan term | Yes |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 4 | Sample 5 | ||||
---|---|---|---|---|---|---|---|
Loan Amount | THB 200,000 | THB 10,000 | THB 20,000 | THB 40,000 | |||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
Disbursement Date | 2010-10-26 | 2010-10-28 | 2010-10-13 | 2010-10-19 | |||
Loan Term (Months) | 6.0 months | 12.0 months | 12.0 months | 12.0 months | |||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | |||
Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | |||
True Price by Comp | |||||||
Interest and Fee Component | 33.0% | 31.6% | 31.6% | 30.4% | |||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Full APR (int fee ins tax dep) | 33.0% | 31.6% | 31.6% | 30.4% | |||
Transparency Index | 87 | 91 | 91 | 95 | |||
Original Repayment Schedule | |||||||
MFT Pricing Calculation |
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Loan Portfolio (USD) | |
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% Products with one or more insurances | |
% Products with compulsory deposits |
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