Loan Conditions

Loan Amount

Currency	PHP
Minimum loan size	PHP 11,000
Maximum loan size	50,000

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

Loan Conditions

Loan Amount

Currency	PKR
Minimum loan size	PKR 15,000
Maximum loan size	150,000

Distribution at Disbursement (Est.)

Loans less than PKR 10,000	0
PKR 10,000-25,000	5%
PKR 25,000-50,000	10%
PKR 50,000-75,000	15%
PKR 75,000-150,000	70%
Greater than PKR 150,000	70%

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	18.0 months
Approx average	15.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	10%
Between 7 and 9 months	5%
Between 10 and 12 months	80%
Between 13 and 18 months	5%
Longer than 18 months	0

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Upfront Fees

	Fee 1
Description	Service Fee
% of loan amount - min	2.00%
% of loan amount - max	2.00%
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

This product has no upfront insurance fees

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?
Do borrowers control deposit in their group?

Deposit BEFORE or AT Disbursement

% loan amount deposited	20.00%
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	PHP 100
Conditions on access to deposit	Access During

Interest Paid on Deposit

Minimum interest rate paid	3.00%
Maximum interest rate paid	3.00%
Interest payment frequency	Annually

Taxes

Are taxes charged on this product?

No

Additional Comments

Withdrawals are allowed beyond 2% retention rate. For periodic savings, P5 for loans below P1, and P1 for loans above P1. Members are entitle to a Patronage Refund which is determined annually based on the financial performance of the Cooperative and declared every April of the succeeding year.

Pricing Information

Interest

Upfront Fees

	Fee 1
Description	Loan Processing Fee
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	550
Fixed amount - max	1,250
Reason for variation	Fee applies on different loan slabs. Insurance fee is part of processing fee
Appears on Repayment Sched?	Yes

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 for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	Yes
Percentage of fees	16%
All or some fees taxed	Some

Regular Business Loan 6 months Price Graphs

Enterprise Finance Price Graphs