2. KDCI
Please note that the information you are viewing is 154 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. AMK
Please note that the information you are viewing is 135 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Kasagana-Ka Development Center, Inc. 5 Don Francisco Street., Don Enrique HeightsCommonwealth Ave., Bgy. Holy SpiritQuezon City, NCR1127
Data approved: 2011-11-15
Data version: 1
Age of data: 154 months

Institution

Angkor Microheranhvatho Kampuchea # 442, St. 193, Toul Svayprey 1ChamkarmornPhnom Penh, CambodiaPO Box 855
Data approved: 2013-04-26
Data version: 4
Age of data: 135 months
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Product

K-Negosyo Product 3 of 3 « Prev | Next »

Product

Easy Loan (USD) Product 16 of 16 « Prev | Next »

Product Summary

Number borrowers17,800
Loan Amount (range)PHP 3,000 - 150,000
Loan Term (range)3 - 9
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Life Insurance, Fire and Catastrophe Insurance (by 2011)
Annual Interest & Method30.0% annual, Flat
Fees2.00%-4.50% upfront
Insurance0.38%-1.13% upfront 15.00 ongoing
TaxNone
Comp Dep55.00 ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component70.6% - 71.5% (Int+Fee)
Insurance Component0 - 48.8%
Tax Component Range0
Full APR (int fee ins tax dep)66.0% - 158.3%
Transparency Index (min/max)19 - 52
Transparency Index (average)35

Product Summary

2,814
USD 50 - 250
3 - 12
Credit Educ, Other Training
27.6%-33.6% annual, Decl Bal
0.50% upfront
None
None
N/A
 
27.1% - 36.0%
0 - 1.8%
0
0
28.2% - 35.8%
74 - 106
84

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 83,154,133.83
Portfolio (USD)USD 1,989,333.35
Active Clients with Loans17,800
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
OtherBorrower needs 2 co-makers as guarantors
Description
This is the primary loan product given to members. It may be used as start-up capital or additional capital, with the aim of improving the livelihood of the family.
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 trainingx
Other training
OtherLife Insurance
Other (2)Fire and Catastrophe Insurance (by 2011)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or landx
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 (USD)USD 446,098
Portfolio (USD)USD 446,098
Active Clients with Loans2,814
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Easy Loan (USD) product requires the administrative fee payment at the disbursment.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visits
Business training
Other trainingx
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 institution24
# Regions for this product3
Regions ActiveBanteay Meanchey, Phnom Penh, Prey Veng

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 3,000
Maximum loan size150,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term9.0 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
CurrencyUSD
Minimum loan sizeUSD 50
Maximum loan sizeUSD 250
Distribution at Disbursement (Est.)
Loans less than USD 250100%
USD 250-1,0000
USD 1,000-1,5000
USD 1,500-2,0000
USD 2,000-2,5000
Greater than USD 2,5000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average10.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months90%
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
DescriptionProcessing Fee
% of loan amount - min2.00%
% of loan amount - max4.50%
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 1
DescriptionLoan Redemption Fund
% of loan amount - min0.38%
% of loan amount - max1.13%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
Ins 1
DescriptionK-MBA (Life Insurance)
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min15
Fixed amount - max15
Reason for variationN/A
Appears on Repayment Sched?No
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 deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 55
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid5.00%
Maximum interest rate paid5.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No
Additional Comments
Savings may be withdrawn any time as long as it will not go below the retention limit of 2% of the loan amount. Some members deposit more than the minimum amount. Grace period in payment allowed when member or family member is sick or death in family or met catastrophe (fire, flood). Members must be a member of K-MBA, with a one-time membership fee of P3 and weekly premium of P15 for life insurance and P5 for retirement fund (reflected as savings). Retirement fund is withdrawable upon exit from KDCI and K-MBA with an interest of 2% per annum. Member's loanable amount may increase based on repayment record

Pricing Information

Interest
Lowest quoted nominal interest2.30%
Highest quoted nominal interest2.80%
Reason(s) why interest rate variesBranch, Time as Client, Client Risk
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionAdministration Fee
% of loan amount - min0.50%
% of loan amount - max0.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
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 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
Additional Comments
This product is targeted at the underserved urban poor and was designed in the belief that the poorest clients require better access to credit.

Full Pricing Data

K-Negosyo samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountPHP 3,000PHP 8,000PHP 15,000PHP 32,000PHP 50,000PHP 100,000
Loan Cycle (1, 2, 3, etc)155132014
Disbursement Date2011-04-272011-04-262011-04-262011-04-132011-04-062010-11-04
Loan Term (Months)5.8 months3.5 months5.8 months5.8 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 Component70.6%71.0%71.5%70.6%70.6%71.5%
Insurance Component48.8%20.1%12.8%7.7%6.1%4.8%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component38.8%-25.0%6.3%2.6%1.6%0.8%
Full APR (int fee ins tax dep)158.3%66.0%90.5%81.0%78.4%77.1%
Transparency Index194533373839
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Easy Loan (USD) samples
Sample 2Sample 3Sample 4
Loan AmountUSD 250USD 150USD 150
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2012-11-232013-02-062013-03-07
Loan Term (Months)10.0 months13.0 months11.0 months
Grace Period (Months)-0.2 months0.2 months0.4 months
Total Cost of CreditUSD 39.25USD 31.75USD 20.75
True Price by Comp     
Interest price component34.4%34.9%27.1%
Fee Component1.2%0.9%1.1%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)35.6%35.8%28.2%
Transparency Index787798
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
K-Negosyo Price Graphs


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Easy Loan (USD) 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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