2. MWIMPC
Please note that the information you are viewing is 157 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. HKL
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

Maranding Women Investors Multipurpose Cooperative 2nd Floor, Fabian Flores Cultural CenterMarandingLala, Lanao del Norte/Region X9211
Data approved: 2011-12-07
Data version: 1
Age of data: 157 months

Institution

Hattha Kaksekar Limited No 606, st 271,Sangkat Phsar Deum Thkouv, Khan ChamkamornPhnom Penh, CambodiaPO Box 855
Data approved: 2013-03-20
Data version: 3
Age of data: 139 months
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Product

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Product

Micro Loans Product 3 of 4 « Prev | Next »

Product Summary

Number borrowers5,000
Loan Amount (range)PHP 5,000 - 300,000
Loan Term (range)6 - 12
Other Services (text summary)Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Annual Interest & Method36.0% annual, Flat
Fees3.00% upfront 100.00 upfront
Insurance60.00-7,200.00 upfront
TaxNone
Comp Dep20.0% upfront 80.00 ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component41.0% - 69.2% (Int+Fee)
Insurance Component4.5% - 5.6%
Tax Component Range0
Full APR (int fee ins tax dep)40.8% - 121.3%
Transparency Index (min/max)20 - 88
Transparency Index (average)47

Product Summary

32,872
USD 50 - 1,000
3 - 15
30.0%-36.0% annual, Decl Bal
None
None
None
N/A
 
21.4% - 34.8%
0
0
0
30.0% - 34.8%
70 - 101
93

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 40,662,043.49
Portfolio (USD)USD 972,776.16
Active Clients with Loans5,000
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Regular loan which aims to provide an individual additional capital to microentrepreneurs
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 insurancex
Workplace visitsx
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 workerx
Must be specific age groupx
Other18-69 y.o.
Other (2)CI/BI
# 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 14,489,013.87
Portfolio (USD)USD 14,489,013.87
Active Clients with Loans32,872
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Micro Loan product ranges up to USD $1,000 loan size.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried workerx
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution24
# Regions for this product24
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Mondulkiri , Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 5,000
Maximum loan size300,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Dailyx
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
CurrencyUSD
Minimum loan sizeUSD 50
Maximum loan size1,000
Distribution at Disbursement (Est.)
Loans less than USD 25010%
USD 250-1,00090%
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 term15.0 months
Approx average9.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months20%
Between 7 and 9 months30%
Between 10 and 12 months30%
Between 13 and 18 months20%
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
Quarterlyx
Every 6 monthsx
Every 12 months
Single end paymentx
Irregular paymentsx

Pricing Information

Interest
Lowest quoted nominal interest3.00%
Highest quoted nominal interest3.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionService ChargeNotarial Fee
% of loan amount - min3.00%0
% of loan amount - max3.00%0
OR, Fixed amount - min0100
Fixed amount - max0100
Reason for variationN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLoan Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min60
Fixed amount - max7,200
Reason for variationPHP 2. per thousand x no. of months.
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 deposited20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 80
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid5.00%
Maximum interest rate paid5.00%
Interest payment frequencyQuarterly
Taxes
Are taxes charged on this product?No
Additional Comments
Savings(Prior): 1% CBU & 1% Savings to apply not deducted from loan proceeds. Savings (Periodic): PHP 3. Savings + PHP 5. CBU.

Pricing Information

Interest
Lowest quoted nominal interest2.50%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose, High credit risk level = higher interest rate
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 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

Individual Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountPHP 8,000PHP 20,000PHP 30,000PHP 60,000PHP 100,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-08-082011-08-082011-06-212011-07-302011-05-24
Loan Term (Months)6.1 months6.1 months12.0 months6.0 months6.0 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 Component49.3%57.2%69.2%41.0%57.7%
Insurance Component4.9%4.9%5.6%4.5%5.1%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component-13.4%59.2%35.4%20.9%45.0%
Full APR (int fee ins tax dep)40.8%121.3%110.2%66.3%107.8%
Transparency Index8830335433
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

Full Pricing Data

Micro Loans samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 50USD 150USD 300USD 600
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-04-222013-03-042013-05-172013-05-30
Loan Term (Months)10.0 months12.0 months6.0 months12.0 months
Grace Period (Months)0.0 months0.0 months-0.1 months-0.4 months
Total Cost of CreditUSD 7.02USD 27.98USD 25.96USD 108.03
True Price by Comp       
Interest price component30.0%34.8%30.1%34.8%
Fee Component0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)30.0%34.8%30.1%34.8%
Transparency Index1008610086
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Individual Loan Price Graphs


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Micro Loans 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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