2. PMPC
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
  2. AMK
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

Paglaum Multi Purpose Cooperative 2F PMPC Bldg., Eastern LoocPlaridel, Misamis Occidental7209
Data approved: 2011-11-15
Data version: 1
Age of data: 158 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: 139 months
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Product

Barangay Official Livelihood Assistance Product 1 of 8 « Prev | Next »

Product

Seasonal Loan (USD) Product 14 of 16 « Prev | Next »

Product Summary

Number borrowers670
Loan Amount (range)PHP 500 - 15,000
Loan Term (range)6 - 36
Other Services (text summary)Credit Educ, Credit Ins
Annual Interest & Method22.8% annual, Flat
Fees4.00% upfront 50.00 upfront
Insurance1.50% upfront 20.00 ongoing
TaxNone
Comp Dep6.5% upfront 26.00 ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component44.9% - 52.7% (Int+Fee)
Insurance Component2.2% - 83.9%
Tax Component Range0
Full APR (int fee ins tax dep)59.2% - 79.8%
Transparency Index (min/max)15 - 136
Transparency Index (average)35

Product Summary

934
USD 100 - 1,500
3 - 12
Credit Educ, Group Mtgs, Credit Ins
28.8%-32.4% annual, Decl Bal
0.50% upfront
None
None
N/A
 
27.1% - 36.0%
0 - 1.8%
0
0
30.6% - 33.5%
74 - 106
90

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 10,280,041.88
Portfolio (USD)USD 245,934.02
Active Clients with Loans670
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
To provide financial assistance to all Barangay Officials under the BOLA Program for the purposes of; Business activities, livelihood projects, providential purpose, medical, educational
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
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
OtherBarangay Officials
Other (2)
# 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 825,304
Portfolio (USD)USD 825,304
Active Clients with Loans934
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Seasonal Loan (USD) product is designed for seasonal needs only.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherSeasonal loan requirement only
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 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 500
Maximum loan size15,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term36.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 monthsx
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 100
Maximum loan size1,500
Distribution at Disbursement (Est.)
Loans less than USD 2500
USD 250-1,00060%
USD 1,000-1,50040%
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 term12.0 months
Approx average6.0 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 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 interest1.90%
Highest quoted nominal interest1.90%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionService FeeNotarial Fee
% of loan amount - min4.00%0
% of loan amount - max4.00%0
OR, Fixed amount - min050
Fixed amount - max050
Reason for variationN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Insurance
% of loan amount - min1.50%
% of loan amount - max1.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
Ins 1
DescriptionMBA, Life and Retirement Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min20
Fixed amount - max20
Reason for variationN/A
Appears on Repayment Sched?No
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 deposited6.50%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 26
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid3.00%
Maximum interest rate paid3.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest2.40%
Highest quoted nominal interest2.70%
Reason(s) why interest rate variesBranch, Time as Client, Client Risk
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?No
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
Additional Comments
This product can serve to all village bank members without limit cycles and access loan upto 1 USD

Full Pricing Data

Barangay Official Livelihood Assistance samples
Sample 1Sample 2Sample 3
Loan AmountPHP 3,671.47PHP 8,888.90PHP 15,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2010-09-302010-06-302010-12-16
Loan Term (Months)10.0 months24.0 months10.0 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 Component52.7%44.9%48.9%
Insurance Component15.0%6.1%6.1%
Tax Component0.0%0.0%0.0%
Deposit Component12.1%8.2%7.0%
Full APR (int fee ins tax dep)79.8%59.2%62.0%
Transparency Index293937
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Seasonal Loan (USD) samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 1,000USD 300USD 600USD 1,200
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-01-222013-02-082013-03-212013-02-20
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)10.9 months10.6 months11.2 months10.8 months
Total Cost of CreditUSD 313USD 96.50USD 194USD 361
True Price by Comp       
Interest price component31.2%32.9%31.4%30.1%
Fee Component0.6%0.6%0.6%0.5%
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)31.8%33.5%32.0%30.6%
Transparency Index91869094
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Barangay Official Livelihood Assistance Price Graphs


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Seasonal Loan (USD) 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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