2. ASHI
Please note that the information you are viewing is 163 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. SVDP
Please note that the information you are viewing is 136 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: 163 months

Institution

Soon Valley Development Program Sakesar Road, Naushera, Tehsil & District, KhushabNaushera, PunjabN/A
Data approved: 2013-08-15
Data version: 1
Age of data: 136 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

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established1996
Head of InstitutionMr Gulbaz Afaqi
Regions activePunjab
# Branches3

Total Portfolio (nat'l)PKR 85,584,088
Total Portfolio (USD)USD 873,307.02
Active clients with loans4,193
Approximate % female clients20% - 40%
Approximate % urban clients0
Network affiliationsPakistan Microfinance Network, PMFN, MONPAK, HRDN
FundersPakistan Poverty Alleviation Fund, One UN GRIP, OPP/OCT

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 » Summary

Agriculture
758 Borrowers
USD 157,870.14 Portfolio
Active Product
Livestock
384 Borrowers
USD 56,569.42 Portfolio
Active Product
L-Fattening
1,065 Borrowers
USD 306,122.45 Portfolio
Active Product
Handicrafts
128 Borrowers
USD 14,183.67 Portfolio
Active Product
Trade
774 Borrowers
USD 141,408.31 Portfolio
Active Product
Solar
753 Borrowers
USD 124,883.97 Portfolio
Active Product
Water Well
2 Borrowers
USD 714.29 Portfolio
Low Volume Product
B-Digestors
4 Borrowers
USD 1,020.41 Portfolio
Low Volume Product
B-Irrigation
7 Borrowers
USD 4,081.63 Portfolio
Low Volume Product
Dairy
11 Borrowers
USD 2,806.12 Portfolio
Low Volume Product
Poultry
3 Borrowers
USD 816.33 Portfolio
Low Volume Product
Pipe Irri
2 Borrowers
USD 612.24 Portfolio
Low Volume Product
Miscell
11 Borrowers
USD 903.21 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

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 » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture PKR 20,000 - 75,000 6 - 18 20% - 40% 0% Agriculture Women, Men
Livestock PKR 15,000 - 30,000 12 40% - 60% 0% Business Women, Men
Livestock Fattening PKR 20,000 - 30,000 6 - 11 40% - 60% 0% Business Women, Men Credit Ins, Tech Asst Visits
Handicrafts PKR 15,000 - 30,000 12 80% - 100% 0% Business Women, Men, Have business
Trade Business PKR 10,000 - 70,000 12 20% - 40% 0% Business Women, Men, Have business
Solar Lighting PKR 15,000 - 30,000 6 - 12 20% - 40% 0% Any Purpose Women, Men

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture 21.0%-24.0% annual, Flat 1 Fee 0 Ins None N/A 40.7% 40.7% N/A
Livestock 21.0%-24.0% annual, Flat 1 Fee 0 Ins None N/A 40.7% - 40.9% 40.7% - 40.9% N/A
Livestock Fattening 21.0%-24.0% annual, Flat 1 Fee 1 Ins None None 25.8% 29% N/A
Handicrafts 21.0%-24.0% annual, Flat 1 Fee 0 Ins None N/A 40.3% - 40.9% 40.3% - 40.9% N/A
Trade Business 21.0%-24.0% annual, Flat 1 Fee 0 Ins None N/A 40.7% - 40.9% 40.7% - 40.9% N/A
Solar Lighting 36.0% annual, Decl Bal 1 Fee 0 Ins None N/A 40.3% - 40.9% 40.3% - 40.9% N/A

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 Ins None N/A 33.1% - 44.3% 33.1% - 44.3% 65
Educational Loan 25.0% annual, Flat 0 Fees 0 Ins Ins None N/A 47.3% - 48.4% 47.3% - 48.4% 52
General Loan 25.0% annual, Flat 1 Fee 2 Ins 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 Ins None N/A 17.3% - 19.8% 17.3% - 40.9% 0
House Repair Loan 25.0% annual, Flat 0 Fees 0 Ins Ins None N/A 47.3% - 47.6% 47.3% - 47.6% 53
Recovery Loan 25.0% annual, Flat 0 Fees 0 Ins Ins None None 47.3% - 48.4% 47.3% - 48.4% 52

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture 21.0%-24.0% annual, Flat 1 Fee 0 Ins Ins None N/A 40.7% 40.7% N/A
Livestock 21.0%-24.0% annual, Flat 1 Fee 0 Ins Ins None N/A 40.7% - 40.9% 40.7% - 40.9% N/A
Livestock Fattening 21.0%-24.0% annual, Flat 1 Fee 1 Ins Ins None None 25.8% 29% N/A
Handicrafts 21.0%-24.0% annual, Flat 1 Fee 0 Ins Ins None N/A 40.3% - 40.9% 40.3% - 40.9% N/A
Trade Business 21.0%-24.0% annual, Flat 1 Fee 0 Ins Ins None N/A 40.7% - 40.9% 40.7% - 40.9% N/A
Solar Lighting 36.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 40.3% - 40.9% 40.3% - 40.9% N/A
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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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeAgricultureAnyBusinessLoan PurposeSVDPInstitutionPK-050-V01-P01PK-050-V01-P05PK-050-V01-P07PK-050-V01-P09PK-050-V01-P12PK-050-V01-P13ProductPKCountry2013YearRange Number1Institution Data Version010,00020,00030,00040,00050,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 100506Number of Borrowers
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Key Statistics
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# 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
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