Institution

Bangko Kabayan, A Rural Bank, Inc. Santiago St., PoblacionIbaan, Batangas4230
Data approved: 2011-11-15
Data version: 1
Age of data: 162 months

Institution

Jaago Samajik Arthik Harit Vikas Sangathan 305, Chandralok Tower,Kapoorthala,Lucknow, Uttar Pradesh226024
Data approved: 2010-12-10
Data version: 1
Age of data: 173 months

Product

Kabayan Loan Product 1 of 2 « Prev | Next »

Product

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Product Summary

Number borrowers2,674
Loan Amount (range)PHP 5,000 - 150,000
Loan Term (range)2 - 12
Other Services (text summary)Credit Ins
Annual Interest & Method24.0% annual, Flat
Fees100.00-150.00 upfront 2.00% upfront
Insurance7.00% upfront
Tax0.50% loan amt
Comp Dep2.0%-20.0% upfront 10.00% ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component55.0% - 64.7% (Int+Fee)
Insurance Component0 - 1.9%
Tax Component Range1.0% - 1.1%
Full APR (int fee ins tax dep)63.1% - 76.4%
Transparency Index (min/max)31 - 44
Transparency Index (average)35

Product Summary

2,716
INR 5,000 - 20,000
8 - 15
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Other Training, Signature, Financial Discipline
24.0% annual, Decl Bal
2.50%-3.00% upfront
100.00 upfront
None
N/A
 
N/A
28.9% - 30.6% (Int+Fee)
1.2% - 2.7%
0
30.1% - 33.3%
72 - 80
76

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 51,086,475
Portfolio (USD)USD 1,222,164.47
Active Clients with Loans2,674
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Description
Loan for microenterprise with loan purpose of working capital
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 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 land
Must be a salaried worker
Must be specific age groupx
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 12,599,383
Portfolio (USD)USD 237,724.21
Active Clients with Loans2,716
Approximate % Female Clients80% - 100%
Approximate % Urban Clients40% - 60%
Description
Loan Amount: Rs. 8000, Interest Rate: 24% Reducing, LPF: 2.5% to 3% Insurance (of member and her Husband of Rs. 10,000 Flat irrespective of Loan Amount), Installment Mode: Fortnightly, Advance Collection.
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 training
Other trainingx
OtherSignature
Other (2)Financial Discipline
No other services
Eligibility
Men
Womenx
Must run a businessx
Must own a home or landx
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
Other
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 5,000
Maximum loan size150,000
Loan Term and Grace Period
Shortest loan term2.0 months
Longest loan term12.0 months
Approx average6.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthlyx
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 size20,000
Loan Term and Grace Period
Shortest loan term8.0 months
Longest loan term15.0 months
Approx average12.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeks
Monthly
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 interest2.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionNotarial FeeBank Charge
% of loan amount - min02.00%
% of loan amount - max02.00%
OR, Fixed amount - min1000
Fixed amount - max1500
Reason for variationN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionMRI
% of loan amount - min7.00%
% of loan amount - max7.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
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 deposited2.00% - 20.00%
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 paid0.05%
Maximum interest rate paid0.05%
Interest payment frequencyQuarterly
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A

Pricing Information

Interest
Lowest quoted nominal interest24.00%
Highest quoted nominal interest24.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min2.50%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance
% 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

Full Pricing Data

Kabayan Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountPHP 7,000PHP 15,000PHP 30,000PHP 60,000PHP 85,000PHP 120,000
Loan Cycle (1, 2, 3, etc)10115181022
Disbursement Date2011-06-072011-06-272011-06-282011-07-152011-03-042011-07-14
Loan Term (Months)5.8 months3.0 months3.0 months3.0 months5.8 months5.8 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 Component55.0%64.7%59.5%59.5%55.0%55.0%
Insurance Component1.9%1.7%1.7%1.7%1.9%1.9%
Tax Component1.0%1.0%1.0%1.0%1.0%1.0%
Deposit Component5.2%9.0%5.5%5.5%5.2%5.2%
Full APR (int fee ins tax dep)63.1%76.4%67.7%67.7%63.1%63.1%
Transparency Index383135353838
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

IGL samples
Sample 1Sample 2
Loan AmountINR 8,000INR 15,000
Loan Cycle (1, 2, 3, etc)Not Known2
Disbursement Date2010-10-132010-11-10
Loan Term (Months)12.1 months15.4 months
Grace Period (Months)0.0 months0.0 months
Total Cost of CreditNot KnownNot Known
True Price by Comp   
Interest and Fee Component30.6%28.9%
Insurance Component2.7%1.2%
Tax Component0.0%0.0%
Deposit Component0.0%0.0%
Full APR (int fee ins tax dep)33.3%30.1%
MFIN MFI Earning (Annualised)30.6%28.9%
MFIN Cost to Borrower (Annualised)33.3%30.1%
Transparency Index7280
MFIN Transparency IndexN/AN/A
    
Original Repayment SchedulePDFPDF
MFT Pricing CalculationPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
Kabayan Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.RurBankInstitution TypeBusinessLoan PurposeBangko KabayanInstitutionPH-009-V01-P01ProductPHCountry2011YearRange Number1Institution Data Version020,00040,00060,00080,000100,000120,000Loan Size (all)0%20%40%60%80%Full APR (int fee ins tax dep)> 50020030Number 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.
IGL Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.OtherInstitution TypeBusinessLoan PurposeJaagoInstitutionIN-034-V01-P01ProductINCountry2010YearRange Number1Institution Data Version05,00010,00015,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 80040040Number 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.
Caps / Zoom options
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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