2. ASKI
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. AMK
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Alalay sa Kaunlaran, Inc. 105 Maharlika HighwayCabanatuan, Nueva Ecija3100
Data approved: 2011-11-15
Data version: 1
Age of data: 158 months

Institution

Angkor Microheranhvatho Kampuchea # 442, St. 193, Toul Svayprey 1ChamkarmornPhnom Penh, CambodiaPO Box 855
Data approved: 2013-04-26
Data version: 4
Age of data: 139 months
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Product

Alalay sa Magsasaka Program (AMP) Product 2 of 4 « Prev | Next »

Product

Inst VB (THB) Product 9 of 16 « Prev | Next »

Product Summary

Number borrowers7,492
Loan Amount (range)PHP 5,000 - 150,000
Loan Term (range)4 - 6
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Transformation Program, Environment Program
Annual Interest & Method24.0%-36.0% annual, Flat
Fees3.00% upfront 100.00 upfront
Insurance3 fees
TaxNone
Comp Dep10.00% ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component32.7% - 34.5% (Int+Fee)
Insurance Component0 - 54.9%
Tax Component Range0
Full APR (int fee ins tax dep)32.7% - 69.3%
Transparency Index (min/max)13 - 78
Transparency Index (average)64

Product Summary

1,670
THB 500 - 10,000
3 - 12
Credit Educ, Group Mtgs, Credit Ins
31.2% annual, Decl Bal
0.50% upfront
None
None
N/A
 
27.1% - 36.0%
0 - 1.8%
0
0
32.2% - 32.3%
74 - 106
97

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 152,630,925
Portfolio (USD)USD 3,651,457.54
Active Clients with Loans7,492
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village bankingx
Self help group
Other
Description
Provide additional capital for clients engaged in agri-business activities
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other trainingx
OtherTransformation Program
Other (2)Environment Program
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherMust be engaged in agri-business
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 (THB)THB 9,454,620
Portfolio (USD)USD 320,495.59
Active Clients with Loans1,670
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Inst VB (THB) is designed for a group member who joined the village. The installments are paid every month.
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 visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
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 institution24
# Regions for this product2
Regions ActiveBanteay Meanchey, Koh Kong

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 5,000
Maximum loan size150,000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term6.0 months
Approx average5.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Loan Conditions

Loan Amount
CurrencyTHB
Minimum loan sizeTHB 500
Maximum loan size10,000
Distribution at Disbursement (Est.)
Loans less than THB 10,000100%
THB 10,000-30,0000
THB 30,000-50,0000
THB 50,000-70,0000
THB 70,000-90,0000
Greater than THB 90,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average9.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months10%
Between 10 and 12 months90%
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 interest2.00%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesClient Risk, Loan Purpose, Interest rate varies if client has exceeded the loan duration or if the loan is given to a new client, not as an incentive loan.
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionService FeeBusiness Development Support Service
% of loan amount - min3.00%0
% of loan amount - max3.00%0
OR, Fixed amount - min0100
Fixed amount - max0100
Reason for variationN/a
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1Ins 2
DescriptionCrop Insurance (PCIC) for corn and palayASKI MBA Life Insurance
% of loan amount - min5.31%0
% of loan amount - max8.48%0
OR, Fixed amount - min0480
Fixed amount - max0480
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Insurance Fees
Ins 1
DescriptionASKI MBA Life Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min30
Fixed amount - max30
Reason for variationN/A
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited10.00%
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid1.00%
Maximum interest rate paid1.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No
Additional Comments
AMP loan is given either as incentive loan or regular loan to clients. For regular loans, interest rate is 3% and the client should be enrolled to ASKI MBA, paying his/her membership fee of P3 and first week premium contribution of P3. Also, corn and palay agribusiness is insured with the Phil. Crop Insurance Company (PCIC). Interest on CBU is computed based on average daily balance and is directly credited to the client's account. Outreach based on April 211 data.

Pricing Information

Interest
Lowest quoted nominal interest2.60%
Highest quoted nominal interest2.60%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionAdministration Fee
% of loan amount - min0.50%
% of loan amount - max0.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
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

Alalay sa Magsasaka Program (AMP) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountPHP 7,000PHP 20,000PHP 28,000PHP 60,000PHP 90,000PHP 120,000
Loan Cycle (1, 2, 3, etc)115345
Disbursement Date2011-04-112011-07-072011-04-292011-04-272011-04-282011-05-24
Loan Term (Months)4.0 months5.0 months4.0 months5.0 months5.0 months5.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component34.5%33.8%33.9%32.7%32.7%34.0%
Insurance Component0.0%35.4%0.0%0.0%1.5%1.2%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)34.5%69.3%33.9%32.7%34.2%35.2%
Transparency Index703571747068
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Inst VB (THB) samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountTHB 2,000THB 5,000THB 10,000THB 10,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2012-08-132013-03-282013-03-282013-02-07
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)0.0 months-0.2 months-0.2 months-0.1 months
Total Cost of CreditTHB 355THB 863THB 1,727THB 1,737
True Price by Comp       
Interest price component31.3%31.3%31.2%31.2%
Fee Component1.0%1.0%1.1%1.0%
Insurance Component0.0%0.0%0.0%0.0%
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)32.3%32.3%32.3%32.2%
Transparency Index97979797
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Alalay sa Magsasaka Program (AMP) Price Graphs


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Inst VB (THB) 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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