2. MWIMPC
Please note that the information you are viewing is 153 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

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: 153 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
Choose version

Product

Trinity Loan Product 4 of 4 « Prev | Next »

Product

Credit Line (THB) Product 2 of 16 « Prev | Next »

Product Summary

Number borrowers4,364
Loan Amount (range)PHP 6,200 - 12,400
Loan Term (range)2 - 12
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Annual Interest & Method21.0%-60.0% annual, Flat
Fees3.00% upfront 100.00 upfront
Insurance24.80-297.60 upfront
TaxNone
Comp Dep20.0% upfront 80.00 ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component49.7% (Int+Fee)
Insurance Component4.5% - 5.6%
Tax Component Range0
Full APR (int fee ins tax dep)104.4%
Transparency Index (min/max)20 - 88
Transparency Index (average)20

Product Summary

5,761
THB 500 - 10,000
1 - 24
Credit Educ, Group Mtgs, Credit Ins
33.6% annual, Decl Bal
0.50% upfront
None
None
N/A
 
27.1% - 36.0%
0 - 1.8%
0
0
34.0% - 34.2%
74 - 106
98

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 29,689,334.19
Portfolio (USD)USD 710,271.15
Active Clients with Loans4,364
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
To provide additional capital to micro-entrepreneurs via group loans who are willing to adopt discipline, capital build up formation and promote thriftiness and savings.
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
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 (THB)THB 47,393,552
Portfolio (USD)USD 1,606,561.09
Active Clients with Loans5,761
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Credit Line (THB) is designed for a group member who joined the village bank and needs a loan for 24 months. The interest payment is done every month.
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 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 institution24
# Regions for this product1
Regions ActiveBanteay Meanchey

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 6,200
Maximum loan size12,400
Loan Term and Grace Period
Shortest loan term2.0 months
Longest loan term12.0 months
Approx average6.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Dailyx
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
CurrencyTHB
Minimum loan sizeTHB 500
Maximum loan size10,000
Distribution at Disbursement (Est.)
Loans less than THB 10,000100%
THB 10,000-30,0000
THB 30,000-50,0000
THB 50,000-70,0000
THB 70,000-90,0000
Greater than THB 90,0000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term24.0 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 months20%
Between 13 and 18 months0
Longer than 18 months80%
Grace Period
Grace period usage100%
Average grace periodDK
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 interest1.75%
Highest quoted nominal interest5.00%
Reason(s) why interest rate variesTime as Client, Client Risk
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 - min24.80
Fixed amount - max297.60
Reason for variationPHP 2. per one 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 (Upfront): Exisitng 1% CBU and 1% Savings to apply. Savings (Continuing): PHP 3. Savings + PHP 5. CBU

Pricing Information

Interest
Lowest quoted nominal interest2.80%
Highest quoted nominal interest2.80%
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?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

Trinity Loan samples
Sample 1Sample 2Sample 3
Loan AmountPHP 7,400PHP 7,400PHP 7,400
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-07-302011-08-082011-08-08
Loan Term (Months)6.1 months6.1 months6.1 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component49.7%49.7%49.7%
Insurance Component4.9%4.9%4.9%
Tax Component0.0%0.0%0.0%
Deposit Component49.7%49.7%49.7%
Full APR (int fee ins tax dep)104.4%104.4%104.4%
Transparency Index202020
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Credit Line (THB) samples
Sample 1Sample 2Sample 3
Loan AmountTHB 2,000THB 5,000THB 10,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-03-142013-02-122013-03-14
Loan Term (Months)24.0 months12.0 months24.0 months
Grace Period (Months)23.2 months11.0 months23.2 months
Total Cost of CreditTHB 1,366THB 1,701THB 6,826
True Price by Comp     
Interest price component33.6%33.6%33.6%
Fee Component0.4%0.6%0.4%
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)34.0%34.2%34.0%
Transparency Index999899
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Trinity Loan Price Graphs


Click to view Price Analysis Tool
Credit Line (THB) Price Graphs


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
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞