2. Bangko Kabayan
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. Seilanithih
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

Bangko Kabayan, A Rural Bank, Inc. Santiago St., PoblacionIbaan, Batangas4230
Data approved: 2011-11-15
Data version: 1
Age of data: 158 months

Institution

Seilanithih Limted No. 35, St. 360Sangkat Boeung Keng Kang IKhan Chamkarmorn, Phnom Penh
Data approved: 2013-04-02
Data version: 3
Age of data: 139 months
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Product

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Product

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Product Summary

Number borrowers6,267
Loan Amount (range)PHP 2,000 - 60,000
Loan Term (range)6
Other Services (text summary)Group Mtgs, Credit Ins, Business Training
Annual Interest & Method30.0% annual, Flat
Fees2.50% upfront
Insurance280.00-1,120.00 upfront 7.00% upfront
Tax0.50% loan amt
Comp Dep160.00 upfront 12.50% ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component59.1% - 60.5% (Int+Fee)
Insurance Component0 - 1.9%
Tax Component Range1.0% - 1.1%
Full APR (int fee ins tax dep)67.9% - 72.3%
Transparency Index (min/max)31 - 44
Transparency Index (average)42

Product Summary

3,102
THB 4,000 - 200,000
1 - 12
Credit Ins
27.0%-36.0% annual, Decl Bal
None
None
None
3.0% upfront
 
27.1% - 36.0%
0
0
0
28.7% - 37.1%
81 - 105
88

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 48,144,967
Portfolio (USD)USD 1,151,793.47
Active Clients with Loans6,267
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Group solidarity loan
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
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 (THB)THB 78,201,353
Portfolio (USD)USD 2,650,893.32
Active Clients with Loans3,102
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This loan is provided for individual people in Thai Baht for the business purpose. It can be use for business, service, handicraft and agriculture.
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 landx
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 institution7
# Regions for this product2
Regions ActiveBanteay Meanchey, Battambang

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 2,000
Maximum loan size60,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term6.0 months
Approx average6.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyTHB
Minimum loan sizeTHB 4,000
Maximum loan size200,000
Distribution at Disbursement (Est.)
Loans less than THB 10,0005%
THB 10,000-30,00020%
THB 30,000-50,00030%
THB 50,000-70,00030%
THB 70,000-90,00010%
Greater than THB 90,00010%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term12.0 months
Approx average11.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less10%
Between 4 and 6 months10%
Between 7 and 9 months10%
Between 10 and 12 months70%
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 interest2.50%
Highest quoted nominal interest2.50%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionBank Charge
% of loan amount - min2.50%
% of loan amount - max2.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1Ins 2
DescriptionGroup Life InsuranceCredit Life Insurance
% of loan amount - min07.00%
% of loan amount - max07.00%
OR, Fixed amount - min2800
Fixed amount - max1,1200
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
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 deposited0
or, Fixed-amount depositedPHP 160
Deposits DURING period payments
% loan amount deposited12.50%
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
Additional Comments
Maintaining savings balance of 3% of loan amount required prior to withdrawals.

Pricing Information

Interest
Lowest quoted nominal interest2.25%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited3.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid6.00%
Maximum interest rate paid6.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Full Pricing Data

Kapitan Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountPHP 3,000PHP 8,000PHP 15,000PHP 30,000PHP 60,000
Loan Cycle (1, 2, 3, etc)123812
Disbursement Date2011-06-092011-06-092011-06-092011-07-262011-07-26
Loan Term (Months)5.8 months5.8 months5.8 months5.8 months5.8 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component59.1%59.1%59.1%60.5%59.1%
Insurance Component0.0%0.0%0.0%1.9%1.9%
Tax Component1.0%1.0%1.0%1.1%1.1%
Deposit Component12.2%8.8%7.9%7.8%7.3%
Full APR (int fee ins tax dep)72.3%68.9%67.9%71.2%69.3%
Transparency Index4144444243
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

Full Pricing Data

Individual Loan (THB) samples
Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountTHB 10,000THB 20,000THB 41,000THB 55,000THB 100,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-04-032013-02-192012-01-042013-04-122013-02-05
Loan Term (Months)12.0 months12.0 months18.0 months18.0 months24.0 months
Grace Period (Months)11.3 months10.9 months0.1 months-0.2 months-0.1 months
Total Cost of CreditTHB 3,690THB 7,120THB 9,921THB 13,053THB 28,365
True Price by Comp         
Interest price component36.0%36.0%30.0%30.1%27.1%
Fee Component0.0%0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component1.1%1.1%1.8%1.7%1.6%
Full APR (int fee ins tax dep)37.1%37.1%31.8%31.8%28.7%
Transparency Index8181949494
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Kapitan Loan Price Graphs


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Individual Loan (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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