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. Cashpor
Please note that the information you are viewing is 170 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

Cashpor Micro Credit B-4 DIG ColonyMakbool Alam RoadVaranasi, Uttar Pradesh221002
Data approved: 2010-10-25
Data version: 1
Age of data: 170 months

Product

Project Loan (Micro-Regular Loan) Product 7 of 8 « Prev | Next »

Product

Income Generating Loan Product 1 of 1 « Prev | Next »

Product Summary

Number borrowers12,767
Loan Amount (range)PHP 500 - 150,000
Loan Term (range)3 - 18
Other Services (text summary)Credit Educ, Credit Ins
Annual Interest & Method30.0% annual, Flat
Fees4.00% upfront 100.00 upfront
Insurance1.50% upfront 20.00 ongoing
TaxNone
Comp Dep6.5% upfront 26.00 ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component55.1% - 79.9% (Int+Fee)
Insurance Component2.2% - 83.9%
Tax Component Range0
Full APR (int fee ins tax dep)66.2% - 175.4%
Transparency Index (min/max)15 - 136
Transparency Index (average)32

Product Summary

417,039
INR 2,000 - 25,000
12
Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
13.5% annual, Flat
None
1.00% upfront
None
N/A
 
N/A
25.8% - 26.0% (Int+Fee)
2.1%
0
27.9% - 28.1%
48
48

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 66,101,330.58
Portfolio (USD)USD 1,581,371.55
Active Clients with Loans12,767
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help groupx
Other
Description
To provide additional capital to all regulare members with an existing business for at least six (6) months to finance their; 1. Livelihood projects and 2. Business Activities
Loan Purpose
Any purpose
Income generationx
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
OtherMust be Coop member
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 (INR)INR 2,673,981,826
Portfolio (USD)USD 50,452,487.28
Active Clients with Loans417,039
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Designed to finance income-generating activities.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Household income <60,000 INR
Household income <120,000 INR
Must live in rural area
Must lives in urban area
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 500
Maximum loan size150,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term18.0 months
Approx average0
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
CurrencyINR
Minimum loan sizeINR 2,000
Maximum loan size25,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 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 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period0.5 months
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

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 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 interest13.50%
Highest quoted nominal interest13.50%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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
N/A

Full Pricing Data

Project Loan (Micro-Regular Loan) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountPHP 3,000PHP 7,000PHP 14,500PHP 30,000PHP 70,000PHP 80,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-06-102011-05-112011-05-182011-04-282010-10-302011-05-20
Loan Term (Months)5.8 months5.8 months5.8 months11.7 months17.5 months23.3 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component79.9%71.3%69.8%62.3%62.0%55.1%
Insurance Component58.4%28.1%17.2%9.1%5.1%3.8%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component37.2%17.7%13.0%10.6%9.1%7.4%
Full APR (int fee ins tax dep)175.4%117.2%99.9%82.0%76.1%66.2%
Transparency Index172630373945
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Income Generating Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountINR 2,000INR 18,000INR 10,000INR 8,000
Loan Cycle (1, 2, 3, etc)1612
Disbursement Date2010-07-032010-07-062010-07-012010-07-01
Loan Term (Months)12.1 months12.1 months12.1 months12.1 months
Grace Period (Months)2.0 months1.0 month2.0 months2.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component25.8%26.0%25.8%25.8%
Insurance Component2.1%2.1%2.1%2.1%
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)27.9%28.1%27.9%27.9%
MFIN MFI Earning (Annualised)25.8%26.0%25.8%25.8%
MFIN Cost to Borrower (Annualised)27.9%28.1%27.9%27.9%
Transparency Index48484848
MFIN Transparency IndexN/AN/AN/AN/A
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
Project Loan (Micro-Regular Loan) Price Graphs


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Income Generating Loan 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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X Axis
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Total Borrrowers of Samples
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By Country

Total Borrowers of Samples

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