2. FCB
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  2. JWS
Please note that the information you are viewing is 118 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

FCB Foundation 10 Mendoza St.Tagbilaran City, Bohol6300
Data approved: 2011-11-15
Data version: 1
Age of data: 162 months

Institution

Jinnah Welfare Society 11 - Jinnah Road, Link DC RoadGujranwala, Punjab52250
Data approved: 2015-06-12
Data version: 2
Age of data: 118 months
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Product

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Product

Micro Credit (MC) Product 1 of 2 « Prev | Next »

Product Summary

Number borrowers2,000
Loan Amount (range)PHP 20,000 - 150,000
Loan Term (range)3 - 24
Other Services (text summary)Tech Asst Visits, Other Training, Mortuary Fund/Life insurance
Annual Interest & Method24.0% annual, Flat
Fees4.00% upfront
Insurance10.00% upfront
Tax0.50% loan amt
Comp Dep2.0% upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component38.3% - 55.9% (Int+Fee)
Insurance Component0.1% - 14.6%
Tax Component Range1.1% - 7.0%
Full APR (int fee ins tax dep)41.1% - 60.3%
Transparency Index (min/max)22 - 58
Transparency Index (average)46

Product Summary

35,000
PKR 20,000 - 50,000
12
Group Mtgs, Credit Ins, Business Training
20.0% annual, Flat
3.00% upfront
None
None
N/A
 
19.1% - 34.6%
3.0% - 5.9%
0
0
40.4% - 40.5%
49 - 90
49

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 30,000,000
Portfolio (USD)USD 717,703.35
Active Clients with Loans2,000
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Credit extended to members to finance income-generating activities, using group lending methodology
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 insurance
Workplace visitsx
Business training
Other trainingx
OtherMortuary Fund/Life insurance
Other (2)
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
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 (PKR)PKR 571,893,408
Portfolio (USD)USD 5,615,993.27
Active Clients with Loans35,000
Approximate % Female Clients100%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
To improve small scaled businesses i.e.commerce, petty trading, handicraft, manufacturing & services etc
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
Men
Womenx
Must run a business
Must own a home or land
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 institution1
# Regions for this product1
Regions ActivePunjab

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 20,000
Maximum loan size150,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx average12.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 20,000
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00020%
PKR 25,000-50,00080%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
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 interest2.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionService Charge
% of loan amount - min4.00%
% of loan amount - max4.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionParamount Insurance (for loans >P50,000)
% of loan amount - min10.00%
% of loan amount - max10.00%
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?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited2.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositWhen Leaving
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A
Additional Comments
Insurance is in-house. For loan amounts greater than P5, FCB has tie-up with Paramount Insurance. Deposit upon disbursement goes to CBU which is withdrawable only upon exit from the program. 2% of CBU is transferred to time deposit. VAT is shouldered by the Foundation

Pricing Information

Interest
Lowest quoted nominal interest20.00%
Highest quoted nominal interest20.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
Descriptionprocessing fee and clients death insurance fee
% of loan amount - min3.00%
% 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
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

Help (Individual) samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 30,000PHP 60,000PHP 80,000PHP 120,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-04-142011-09-012011-06-302011-02-25
Loan Term (Months)12.0 months6.0 months12.0 months24.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component50.8%55.9%50.8%38.3%
Insurance Component0.2%0.4%0.2%0.1%
Tax Component1.1%2.0%1.1%1.3%
Deposit Component1.8%2.0%1.8%1.4%
Full APR (int fee ins tax dep)53.9%60.3%53.9%41.1%
Transparency Index44404558
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Micro Credit (MC) samples
Type of Sample
Grace Period (Months)
Full APR (int fee ins tax dep)
True Price by Component
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 40,000 Real 2015-04-20 12.0 months N/A PKR 9,200 40.4% 34.5% 5.9% 0.0% 0.0% 0.0% 49 PDF PDF
PKR 40,000 Generated 2015-06-01 12.0 months N/A PKR 9,221.92 40.5% 34.6% 5.9% 0.0% 0.0% 0.0% 49 - PDF
PKR 45,000 Real 2015-04-20 12.0 months N/A PKR 10,350 40.4% 34.5% 5.9% 0.0% 0.0% 0.0% 49 PDF PDF
PKR 45,000 Generated 2015-06-01 12.0 months N/A PKR 10,374.66 40.5% 34.6% 5.9% 0.0% 0.0% 0.0% 49 - PDF
PKR 20,000 Generated 2015-06-01 12.0 months N/A PKR 4,610.96 40.5% 34.6% 5.9% 0.0% 0.0% 0.0% 49 - PDF
PKR 25,000 Generated 2015-06-01 12.0 months N/A PKR 5,763.70 40.5% 34.6% 5.9% 0.0% 0.0% 0.0% 49 - PDF
PKR 30,000 Generated 2015-06-01 12.0 months N/A PKR 6,916.44 40.5% 34.6% 5.9% 0.0% 0.0% 0.0% 49 - PDF
PKR 35,000 Generated 2015-06-01 12.0 months N/A PKR 8,069.18 40.5% 34.6% 5.9% 0.0% 0.0% 0.0% 49 - PDF
PKR 40,000 Generated 2015-06-01 12.0 months N/A PKR 9,221.92 40.5% 34.6% 5.9% 0.0% 0.0% 0.0% 49 - PDF
PKR 50,000 Generated 2015-06-01 12.0 months N/A PKR 11,527.40 40.5% 34.6% 5.9% 0.0% 0.0% 0.0% 49 - PDF
Help (Individual) Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeFCBInstitutionPH-018-V01-P01ProductPHCountry2011YearRange Number1Institution Data Version020,00040,00060,00080,000100,000120,000Loan Size (all)0%20%40%60%Full APR (int fee ins tax dep)> 40020020Number 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.
Click to view Price Analysis Tool
Micro Credit (MC) Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeJWSInstitutionPK-010-V02-P01ProductPKCountry2015YearRange Number2Institution Data Version010,00020,00030,00040,00050,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 28,00021,00014,0007,000700Number of Borrowers
Click to view Price Analysis Tool
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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