Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.nwtf.ph/ |
Year established | 1984 |
Head of Institution | Dr. Cecilia D. del Castillo |
Regions active | |
# Branches | 50 |
Total Portfolio (nat'l) | PhP 607,833,441 |
Total Portfolio (USD) | USD 14,541,469.88 |
Active clients with loans | 98,363 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 0% - 20% |
Network affiliations | |
Funders |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
General Loan | PHP 1,000 - 30,000 | 3 - 12 | 80% - 100% | 20% - 40% | Business | Women | Group Mtgs, Credit Ins, Business Training, Other Training, Insurance - life, accident, burial assistance for member & family, Savings / Medical and dental missions | |||||||
Green Loan | PHP 1,800 - 3,400 | 6 - 12 | 80% - 100% | 0% - 20% | Business, Housing, Consumer | Women, Men, Have business, Have home or land | Tech Asst Visits | |||||||
Individual Loan | PHP 30,000 - 150,000 | 3 - 24 | 80% - 100% | 0% - 20% | Business | Women, Have business | ||||||||
Special Loan | PHP 1,000 - 150,000 | 3 - 36 | 80% - 100% | 0% - 20% | Business, Housing, Education | Women, Have business | ||||||||
Special Loan - Asset Acquisition Loan | PHP 30,000 - 150,000 | 12 - 36 | 80% - 100% | 0% - 20% | Business, Productive assets | Women, Men, Have business |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
General Loan | 30.0% annual, Flat | 2 Fees | 1 Ins | None | 5.0% upfront 1.00 ongoing | 69.7% - 85.6% | 97.2% - 118.7% | 27 | ||||||||
Green Loan | 30.0% annual, Flat | 2 Fees | 0 Ins | None | N/A | 86.3% - 87.3% | 87.2% - 88.2% | 34 | ||||||||
Individual Loan | 30.0% annual, Flat | 2 Fees | 1 Ins | None | 5.0% upfront 1.00 ongoing | 70.1% - 87.6% | 81.2% - 101.6% | 33 | ||||||||
Special Loan | 30.0% annual, Flat | 2 Fees | 0 Ins | None | 10.0% upfront | 67.2% - 85.6% | 67.2% - 85.9% | 41 | ||||||||
Special Loan - Asset Acquisition Loan | 30.0% annual, Decl Bal | 2 Fees | 0 Ins | None | 10.0% upfront | 52.1% - 63.4% | 59.6% - 74.7% | 47 |
Outstanding portfolio (KHR) | KHR 55,592,347,832 |
Portfolio (USD) | USD 14,074,012.11 |
Active Clients with Loans | 13,870 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services | x |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | x |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 24 |
# Regions for this product | 24 |
Regions Active | Banteay 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 |
Currency | KHR |
Minimum loan size | KHR 300,000 |
Maximum loan size | 200,000,000 |
Loans less than KHR 1,000,000 | 0 |
KHR 1,000,000-3,500,000 | 10% |
KHR 3,500,000-6,000,000 | 20% |
KHR 6,000,000-8,000,000 | 20% |
KHR 8,000,000-10,000,000 | 10% |
Greater than KHR 10,000,000 | 10% |
Shortest loan term | 4.0 months |
Longest loan term | 48.0 months |
Approx average | 20.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 15% |
Between 13 and 18 months | 5% |
Longer than 18 months | 80% |
Grace period usage | 10% |
Average grace period | 2.0 months |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | x |
Quarterly | x |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments | x |
Lowest quoted nominal interest | 2.10% |
Highest quoted nominal interest | 2.70% |
Reason(s) why interest rate varies | Loan Size |
Interest rate period | Monthly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | |||||
---|---|---|---|---|---|---|---|---|---|
Loan Amount | KHR 500,000 | KHR 1,200,000 | KHR 2,400,000 | KHR 7,000,000 | KHR 12,000,000 | ||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
Disbursement Date | 2012-09-12 | 2012-08-23 | 2013-01-31 | 2012-06-22 | 2013-01-18 | ||||
Loan Term (Months) | 12.0 months | 18.0 months | 5.6 months | 24.0 months | 37.0 months | ||||
Grace Period (Months) | 0.2 months | 0.1 months | -0.4 months | 2.9 months | 3.0 months | ||||
Total Cost of Credit | KHR 93,149 | KHR 337,925 | KHR 198,720 | KHR 2,263,374 | KHR 5,097,831 | ||||
True Price by Comp | |||||||||
Interest price component | 33.6% | 34.8% | 32.5% | 27.7% | 25.3% | ||||
Fee Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Full APR (int fee ins tax dep) | 33.6% | 34.8% | 32.5% | 27.7% | 25.3% | ||||
Transparency Index | 75 | 72 | 78 | 91 | 100 | ||||
Original Repayment Schedule | |||||||||
MFT Pricing Calculation |
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Loan Portfolio (USD) | |
% Products using declining balance | |
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% Products with one or more insurances | |
% Products with compulsory deposits |
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