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. Fassil FFP
Please note that the information you are viewing is 130 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

Fondo Financiero Privado Fassil S.A. Av. Cristo Redentor esquina Calle Gustavo Parada, entre 2do. y 3er AnilloSanta Cruz de la Sierra, Bolivia3136
Data approved: 2013-08-23
Data version: 2
Age of data: 130 months
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Product

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Product

Credito Vivienda Product 5 of 8 « Prev | Next »

Product Summary

Number borrowers104
Loan Amount (range)PHP 10,000 - 40,000
Loan Term (range)3 - 6
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Annual Interest & Method36.0% annual, Flat
Fees2.00% upfront 100.00 upfront
Insurance60.00-480.00 upfront
TaxNone
Comp Dep5.0% upfront 90.00 ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component37.0% - 53.6% (Int+Fee)
Insurance Component4.5% - 5.6%
Tax Component Range0
Full APR (int fee ins tax dep)45.5% - 69.0%
Transparency Index (min/max)20 - 88
Transparency Index (average)63

Product Summary

1,808
BOB 35,000 - 9,671,865
12 - 36
Credit Ins
11.0%-18.0% annual, Decl Bal
None
1.20%-3.60% ongoing
None
N/A
 
13.1% - 32.0%
0 - 1.1%
0 - 1.4%
0
15.5% - 19.5%
44 - 91
62

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 534,000
Portfolio (USD)USD 12,775.12
Active Clients with Loans104
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help groupx
Other
Description
For farming households located in agrarian reform communities (ARCs) in Lanao del Norte. Agrarian Reform Beneficiaries (ARBs) are priority borrowers.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
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 landx
Must be a salaried worker
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 (BOB)BOB 151,176,530.30
Portfolio (USD)USD 22,396,523.01
Active Clients with Loans1,808
Approximate % Female Clients60% - 80%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Credito destinado a la adquisición, construcción, refacción, remodelación, ampliación y mejoramiento de terrenos y viviendas individuales o en propiedad horizontal, hasta la segunda vivienda inclusive.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
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 institution5
# Regions for this product5
Regions ActiveChuquisaca , Cochabamba , La Paz , Santa Cruz, Tarija

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 10,000
Maximum loan size40,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term6.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 35,000
Maximum loan size9,671,865
Distribution at Disbursement (Est.)
Loans less than BOB 10,0000
BOB 10,000-40,00030%
BOB 40,000-70,00030%
BOB 70,000-100,00015%
BOB 100,000-125,0005%
Greater than BOB 125,0005%
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term36.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months100%
Grace Period
Grace period usage0
Average grace periodN/A
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 monthsx
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

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 - min2.00%0
% of loan amount - max2.00%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 - max480
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 deposited5.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 90
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): 5% of CBU to apply.Savings (Periodic): PHP 4 Savings + PHP 5 CBU.

Pricing Information

Interest
Lowest quoted nominal interest10.99%
Highest quoted nominal interest18.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Loan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termNo
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
Ins 1
DescriptionSeguro de Desgravamen
% of loan amount - min1.20%
% of loan amount - max3.60%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationComisión de 0.1% mensual que aplica sólo al saldo del principal del préstamo pendiente.
Appears on Repayment Sched?Yes
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

KAPA Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 12,000PHP 16,000PHP 30,000PHP 30,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-07-012011-06-282011-07-302011-07-10
Loan Term (Months)6.1 months6.1 months6.0 months6.0 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 Component43.6%53.6%47.8%37.0%
Insurance Component4.8%4.9%4.5%4.5%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component10.4%10.5%5.0%4.1%
Full APR (int fee ins tax dep)58.8%69.0%57.3%45.5%
Transparency Index61526379
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Credito Vivienda samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountBOB 70,000BOB 100,000BOB 140,000BOB 140,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2014-03-072014-03-072014-03-072014-03-07
Loan Term (Months)18.0 months36.0 months97.0 months143.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditBOB 8,953.48BOB 32,055.05BOB 112,333.28BOB 216,138.92
True Price by Comp       
Interest price component14.1%18.1%15.1%18.1%
Fee Component0.0%0.0%0.0%0.0%
Insurance Component1.4%1.4%1.4%1.4%
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)15.5%19.5%16.5%19.5%
Transparency Index71566756
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
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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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