2. NWTF
Please note that the information you are viewing is 158 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Negros Women for Tomorrow Foundation, Inc. 102 San Sebastian, Verbena Sts.Bacolod City, Negros Occidental6100
Data approved: 2011-11-15
Data version: 1
Age of data: 158 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.nwtf.ph/
Year established1984
Head of InstitutionDr. Cecilia D. del Castillo
Regions active
# Branches50

Total Portfolio (nat'l)PhP 607,833,441
Total Portfolio (USD)USD 14,541,469.88
Active clients with loans98,363
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations
Funders

Loan Products » Summary

General
96,603 Borrowers
USD 11,887,559.81 Portfolio
Active Product
Green
2,000 Borrowers
USD 45,454.55 Portfolio
Active Product
Individual
1,760 Borrowers
USD 222,488.04 Portfolio
Active Product
Special
5,000 Borrowers
USD 428,229.67 Portfolio
Active Product
Asset
200 Borrowers
USD 114,832.54 Portfolio
Active Product

Loan Products » Conditions

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

Loan Products » Pricing Information

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
Institution Price Graph
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  2. FMFB
Please note that the information you are viewing is 131 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

The First MicroFinanceBank Ltd. 16th, 17th Floor, Habib Bank Ltd. Tower, Near China ChowkBlue AreaIslamabad, Federal44000
Data approved: 2013-07-25
Data version: 1
Age of data: 131 months

Product

Individual Loan Against Gold Product 8 of 9 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 31,831,703
Portfolio (USD)USD 324,813.30
Active Clients with Loans458
Approximate % Female Clients40% - 60%
Approximate % Urban Clients100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Financing facility for economic activity and general purposes.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
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 business
Must own a home or land
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 institution6
# Regions for this product2
Regions ActivePunjab, Sindh

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 35,000
Maximum loan size150,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,0000
PKR 25,000-50,00020%
PKR 50,000-75,00050%
PKR 75,000-150,00030%
Greater than PKR 150,00030%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average12.0 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
Quarterlyx
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest24.00%
Highest quoted nominal interest24.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
Descriptionloan processing feeeJewelery Appraisal Fee
% of loan amount - min00
% of loan amount - max00
OR, Fixed amount - min550500
Fixed amount - max1,450500
Reason for variationFee applies on different loan slabs. Insurance fee is part of processing feeN/A
Appears on Repayment Sched?YesYes
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?Yes
Percentage of fees16%
All or some fees taxedSome

Full Pricing Data

Individual Loan Against Gold samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPKR 48,000PKR 53,000PKR 100,000PKR 102,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-01-082013-07-092013-04-082012-11-08
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)0.2 months0.2 months0.2 months0.0 months
Total Cost of CreditPKR 12,158PKR 13,359PKR 25,014PKR 15,139
True Price by Comp       
Interest price component24.0%24.0%24.0%23.8%
Fee Component1.4%1.3%1.1%2.3%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.3%0.2%0.2%0.4%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)25.7%25.5%25.3%26.5%
Transparency IndexN/AN/AN/AN/A
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Individual Loan Against Gold Price Graphs


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Key Statistics
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# Countries
# Borrowers
Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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