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. 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

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

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

Emergency Loan Product 2 of 8 « Prev | Next »

Product

Libre Disponibilidad (Microempresas y Pyme) Product 7 of 8 « Prev | Next »

Product Summary

Number borrowers589
Loan Amount (range)PHP 500 - 2,000
Loan Term (range)3 - 6
Other Services (text summary)Group Mtgs
Annual Interest & Method30.0% annual, Flat
Fees4.00% upfront 100.00 upfront
Insurance1.50% upfront 20.00 ongoing
TaxNone
Comp Dep6.5% upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component76.0% - 81.7% (Int+Fee)
Insurance Component2.2% - 83.9%
Tax Component Range0
Full APR (int fee ins tax dep)174.0% - 194.8%
Transparency Index (min/max)15 - 136
Transparency Index (average)16

Product Summary

2,358
BOB 7,000 - 9,671,865
3 - 48
Credit Ins, Ahorro
18.0%-32.0% annual, Decl Bal
None
0.30%-4.80% ongoing
None
N/A
 
13.1% - 32.0%
0 - 1.1%
0 - 1.4%
0
23.3% - 33.2%
44 - 91
67

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 710,253.15
Portfolio (USD)USD 16,991.70
Active Clients with Loans589
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
It is used for hospitalization needs of the members. The maximum loan amount is P 2,000.00 and payable within 13 weeks, the ML maybe renewed anytime at the discretion of the borrower.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household financex
OtherOpen to all regular and PDP members who are MIGS i
Other (2)< 60 years
Included Services
Credit education
Group meetingsx
Credit insurance
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 institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 62,256,948.20
Portfolio (USD)USD 9,223,251.59
Active Clients with Loans2,358
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Adquisición de bienes de consumo o pago de servicios. Fondos de libre disponibilidad.
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
OtherAhorro
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or landx
Must be a salaried workerx
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 500
Maximum loan size2,000
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 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 7,000
Maximum loan size9,671,865
Distribution at Disbursement (Est.)
Loans less than BOB 10,00020%
BOB 10,000-40,00050%
BOB 40,000-70,00020%
BOB 70,000-100,00010%
BOB 100,000-125,0000
Greater than BOB 125,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term48.0 months
Approx average27.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months5%
Between 13 and 18 months5%
Longer than 18 months90%
Grace Period
Grace period usage0
Average grace period0
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 interest2.50%
Highest quoted nominal interest2.50%
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 - 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
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 deposited0
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 interest18.00%
Highest quoted nominal interest32.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Collateral
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 - min0.30%
% of loan amount - max4.80%
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

Emergency Loan samples
Sample 1Sample 2Sample 3
Loan AmountPHP 2,000PHP 2,000PHP 2,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-05-242011-05-232011-05-23
Loan Term (Months)3.0 months3.0 months3.0 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 Component76.0%78.7%81.7%
Insurance Component74.3%78.8%83.9%
Tax Component0.0%0.0%0.0%
Deposit Component23.6%26.2%29.2%
Full APR (int fee ins tax dep)174.0%183.7%194.8%
Transparency Index171615
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Libre Disponibilidad (Microempresas y Pyme) samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountBOB 10,000BOB 25,000BOB 40,000BOB 70,000BOB 100,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2014-03-072014-03-072014-03-072014-03-072014-03-07
Loan Term (Months)12.0 months18.0 months26.0 months35.0 months42.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditBOB 1,334.60BOB 6,079.15BOB 16,877.27BOB 26,505.59BOB 57,608.61
True Price by Comp         
Interest price component22.1%27.1%32.0%22.1%27.1%
Fee Component0.0%0.0%0.0%0.0%0.0%
Insurance Component1.4%1.3%1.2%1.2%1.2%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)23.5%28.4%33.2%23.3%28.3%
Transparency Index7763547764
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Emergency Loan Price Graphs


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Libre Disponibilidad (Microempresas y Pyme) 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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