Bangko Kabayan, A Rural Bank, Inc. - Kapitan Loan - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 160 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: 160 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (PHP)	PHP 48,144,967
Portfolio (USD)	USD 1,151,793.47
Active Clients with Loans	6,267
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	0% - 20%

Methodology

Individual
Solidarity group	x
Village banking
Self help group
Other

Description

Group solidarity loan

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education
Group meetings	x
Credit insurance	x
Workplace visits
Business training	x
Other training
Other
Other (2)
No other services

Eligibility

Men	x
Women	x
Must run a business	x
Must own a home or land
Must be a salaried worker
Must be specific age group	x
Other
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	PHP
Minimum loan size	PHP 2,000
Maximum loan size	60,000

Loan Term and Grace Period

Shortest loan term	6.0 months
Longest loan term	6.0 months
Approx average	6.0 months

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly	x
Every 2 weeks
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 interest	2.50%
Highest quoted nominal interest	2.50%
Interest rate period	Monthly
Interest Rate Calculation Method	Flat
Subsidized by funder request?
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Bank Charge
% of loan amount - min	2.50%
% of loan amount - max	2.50%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation
Appears on Repayment Sched?	No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1	Ins 2
Description	Group Life Insurance	Credit Life Insurance
% of loan amount - min	0	7.00%
% of loan amount - max	0	7.00%
OR, Fixed amount - min	280	0
Fixed amount - max	1,120	0
Reason for variation	N/A	N/A
Appears on Repayment Sched?	No	No

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?	Yes
Do borrowers control deposit in their group?

Deposit BEFORE or AT Disbursement

% loan amount deposited	0
or, Fixed-amount deposited	PHP 160

Deposits DURING period payments

% loan amount deposited	12.50%
or, Fixed-amount deposited	0
Conditions on access to deposit	Access During

Interest Paid on Deposit

Minimum interest rate paid	0.05%
Maximum interest rate paid	0.05%
Interest payment frequency	Quarterly

Taxes

Are taxes charged on this product?	Yes
Percentage of fees	0
All or some fees taxed	N/A

Additional Comments

Maintaining savings balance of 3% of loan amount required prior to withdrawals.

Full Pricing Data

Kapitan Loan samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5
Loan Amount	PHP 3,000	PHP 8,000	PHP 15,000	PHP 30,000	PHP 60,000
Loan Cycle (1, 2, 3, etc)	1	2	3	8	12
Disbursement Date	2011-06-09	2011-06-09	2011-06-09	2011-07-26	2011-07-26
Loan Term (Months)	5.8 months	5.8 months	5.8 months	5.8 months	5.8 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	59.1%	59.1%	59.1%	60.5%	59.1%
Insurance Component	0.0%	0.0%	0.0%	1.9%	1.9%
Tax Component	1.0%	1.0%	1.0%	1.1%	1.1%
Deposit Component	12.2%	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 Index	41	44	44	42	43

Original Repayment Schedule	PDF	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF	PDF

Kapitan Loan Price Graphs

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Please note that the information you are viewing is 172 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Payakaraopeta Women's Mutually Aided Co-operative Thrift and Credit Society Sivasurya ApartmentsMain RoadPayakaraopeta, Andhra Pradesh531126

Data approved: 2010-10-25

Data version: 1

Age of data: 172 months

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Institution Details

Institution Type	Credit Union / Cooperative
Is this institution regulated?	No
Website address	N/A
Year established	1997
Head of Institution	P.V. Ravikumar
Regions active
# Branches	8

Total Portfolio (nat'l)	INR 315,140,153
Total Portfolio (USD)	USD 5,946,040.62
Active clients with loans	36,543
Approximate % female clients	80% - 100%
Approximate % urban clients	40% - 60%
Network affiliations

Loan Products » Summary

Income

36,543 Borrowers

USD 5,946,044.68 Portfolio

Active Product

Loan Products » Conditions

Product Name		Loan Size Range		Loan Term (months)		% Female		% Urban		Loan Purpose		Eligibility		Other Services
Income Generating Loan		INR 5,000 - 50,000		12 - 60		80% - 100%		20% - 40%		Any Purpose		Women		Group Mtgs, Credit Ins, Business Training

Loan Products » MFIN India Additional Information

Product Name		APR (int)		MFIN MFI Earning (Annualised)		MFIN Cost to Borrower (Annualised)		COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD		COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES		COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM		MFIN Transparency Index
Income Generating Loan		0		20.2% - 20.6%		31% - 37.2%								N/A

*Please click here for more information

Loan Products » Pricing Information

Product Name		Annual Nominal Interest		Fees		Insurance		Taxes		Compulsory Deposit		APR (int+fee)		Full APR		Transparency Index
Income Generating Loan		19.2% annual, Decl Bal		1 Fee		1 Ins		None		20.0% upfront 50.00 ongoing		20.2% - 20.6%		31% - 37.2%		58

Institution Price Graph

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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

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
Min
Max
Std Dev

By Inst Type


By Country

	X Axis
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Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Loan Term and Grace Period

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Additional Comments

Full Pricing Data

Kapitan Loan samples

Kapitan Loan Price Graphs

Institution

Institution Details

Loan Products » Summary

Loan Products » Conditions

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Institution Price Graph

Total Borrowers of Samples

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