2. ASHI
Please note that the information you are viewing is 162 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: 162 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.ashi.org.ph/
Year established1991
Head of InstitutionMila Mercado-Bunker
Regions active
# Branches21

Total Portfolio (nat'l)PhP 238,006,978
Total Portfolio (USD)USD 5,693,946.84
Active clients with loans31,322
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsMicrofinance Council of the Philippines, Social Performance Taskforce, Social Performance Network, Grameen Global Network
FundersTRIAS, PCFC, Peace & Equity Foundation, KIVA

Loan Products » Summary

Center Loan
204 Borrowers
USD 8,356.98 Portfolio
Active Product
Education
3,590 Borrowers
USD 369,189.07 Portfolio
Active Product
General
19,732 Borrowers
USD 3,499,289.83 Portfolio
Active Product
Group
3,228 Borrowers
USD 505,472.85 Portfolio
Active Product
House Repair
8,000 Borrowers
USD 801,853.97 Portfolio
Active Product
Recovery
660 Borrowers
USD 47,454.43 Portfolio
Active Product

Loan Products » Conditions

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

Loan Products » Pricing Information

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
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessEducationEmergencyHousingLoan PurposeASHIInstitutionPH-004-V01-P01PH-004-V01-P02PH-004-V01-P03PH-004-V01-P04PH-004-V01-P05PH-004-V01-P06ProductPHCountry2011YearRange Number1Institution Data Version010,00020,00030,000Loan Size (all)0%50%100%Full APR (int fee ins tax dep)> 5,9004,4002,9001,400100Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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  2. NRSP
Please note that the information you are viewing is 118 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

NATIONAL RURAL SUPPORT PROGRAM 46, Aga Khan Road, F-6/4Islamabad44000
Data approved: 2015-04-17
Data version: 1
Age of data: 118 months

Product

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Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 2,857,472,008
Portfolio (USD)USD 28,060,375.12
Active Clients with Loans191,998
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0
Methodology
Individual
Solidarity group
Village banking
Self help group
Other
Description
The loan is provided for working capital for running small businesses, such as grocery, repair shops, micro labour intensive production units such as handicrafts/decoration, services such as computer/internet kiosk etc
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 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 institution6
# Regions for this product4
Regions ActiveAzad Kashmir, Islambad Capital Territory, Punjab, Sindh

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 15,000
Maximum loan size70,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00020%
PKR 25,000-50,00060%
PKR 50,000-75,00020%
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
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
Monthly1
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest28.00%
Highest quoted nominal interest28.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing/Documentation Charges
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min400
Fixed amount - max400
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Charges
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min100
Fixed amount - max100
Reason for variationN/A
Appears on Repayment Sched?Yes
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
Additional Comments
Minimum loan period and loan amount is not Fixed in the policy. The same reported above is actual for the current year.

Full Pricing Data

Enterprise Development samples
Type of Sample
Grace Period (Months)
Full APR (int fee ins tax dep)
True Price by Component
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 25,000 Real 2014-09-04 12.0 months N/A PKR 4,452 31.7% 27.8% 3.1% 0.8% 0.0% 0.0% 88 PDF PDF
PKR 25,000 Generated 2015-06-01 12.0 months N/A PKR 4,461.99 31.6% 27.7% 3.1% 0.8% 0.0% 0.0% 89 - PDF
PKR 50,000 Real 2014-12-12 12.0 months N/A PKR 8,404 29.7% 27.7% 1.6% 0.4% 0.0% 0.0% 94 PDF PDF
PKR 50,000 Generated 2015-06-01 12.0 months N/A PKR 8,423.97 29.6% 27.7% 1.5% 0.4% 0.0% 0.0% 95 - PDF
PKR 20,000 Generated 2015-06-01 12.0 months N/A PKR 3,669.59 32.6% 27.7% 3.9% 1.0% 0.0% 0.0% 86 - PDF
PKR 30,000 Generated 2015-06-01 12.0 months N/A PKR 5,254.38 30.9% 27.7% 2.6% 0.6% 0.0% 0.0% 91 - PDF
PKR 35,000 Generated 2015-06-01 12.0 months N/A PKR 6,046.78 30.5% 27.7% 2.2% 0.6% 0.0% 0.0% 92 - PDF
PKR 40,000 Generated 2015-06-01 12.0 months N/A PKR 6,839.18 30.1% 27.7% 1.9% 0.5% 0.0% 0.0% 93 - PDF
PKR 45,000 Generated 2015-06-01 12.0 months N/A PKR 7,631.57 29.8% 27.7% 1.7% 0.4% 0.0% 0.0% 94 - PDF
PKR 70,000 Generated 2015-06-01 12.0 months N/A PKR 11,593.56 29.1% 27.7% 1.1% 0.3% 0.0% 0.0% 96 - PDF
Enterprise Development Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeNRSPInstitutionPK-015-V01-P03ProductPKCountry2015YearRange Number1Institution Data Version020,00040,00060,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 110,00086,00057,00028,0003,200Number of Borrowers
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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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