2. PMPC
Please note that the information you are viewing is 160 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: 160 months

Product

Regular Loan Product 8 of 8 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 91,512,080
Portfolio (USD)USD 2,189,284.21
Active Clients with Loans5,185
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
To provide additional capital to all regular members to finance the following; 1. Livelihood projects. 2. Business Activities and 3. Other important needs
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculture
Educationx
Other household financex
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visitsx
Business trainingx
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

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 500
Maximum loan size1,000,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term36.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Dailyx
Weeklyx
Every 2 weeksx
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 interest3.00%
Highest quoted nominal interest3.00%
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
Additional Comments
Savings Prior to Disbursement= CBU (2.5% of Loan Amount) + MMAF Standby Fund (4% of Loan Amount) Savings During Period Repayments = Weekly CBU (PhP2)+ Weekly MMAF (PhP6)

Full Pricing Data

Regular Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountPHP 3,000PHP 8,000PHP 15,000PHP 30,000PHP 50,000PHP 90,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-04-302011-07-142011-07-142011-01-272011-07-142011-02-17
Loan Term (Months)6.0 months12.0 months4.0 months11.7 months12.0 months12.0 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 Component88.7%70.1%80.8%74.5%69.9%70.6%
Insurance Component19.6%8.3%10.8%9.5%4.2%3.9%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component14.3%10.7%9.8%12.7%9.3%8.6%
Full APR (int fee ins tax dep)122.6%89.1%101.5%96.7%83.4%83.2%
Transparency Index294035374343
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Regular Loan Price Graphs


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  2. Samasta
Please note that the information you are viewing is 140 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Samasta Microfinance Limited 4th Cross, 414/5Wilson Garden,Bangalore, KarnatakaPO Box 560027
Data approved: 2013-01-21
Data version: 2
Age of data: 140 months
Choose version

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.samasta.co.in/
Year established2008
Head of InstitutionVenkatesh N
Regions activeKarnataka, Tamil Nadu
# Branches24

Total Portfolio (nat'l)INR 254,928,392
Total Portfolio (USD)USD 4,809,969.66
Active clients with loans45,514
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsMFIN, India, AKMI, India

Loan Products » Summary

Income
44,713 Borrowers
USD 4,564,460.55 Portfolio
Active Product
Dairy Cow
801 Borrowers
USD 245,509.11 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Income Generation Loan INR 10,000 - 15,000 12 80% - 100% 80% - 100% Business Women, Have business, Low HH Inc, Med HH Inc Credit Educ, Group Mtgs, Credit Ins, Other Training
Dairy Cow Loan INR 24,999 - 25,000 24 80% - 100% 0% - 20% Business Women, Low HH Inc, Med HH Inc, Must be supplying milk to procurers (Cooperatives or private) Credit Educ, Group Mtgs, Credit Ins

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Income Generation Loan 27.2% - 28% 29.2% - 30% 30.3% - 31.1% Yes Yes Yes 99
Dairy Cow Loan 27% - 27.2% 28% - 28.2% 28.8% - 29% Yes Yes Yes 100
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Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Income Generation Loan 26.0%-27.5% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 29.2% - 30% 30.3% - 31.1% 85
Dairy Cow Loan 26.0%-27.5% annual, Decl Bal 1 Fee 1 Ins 12.36% fees N/A 28% - 28.2% 28.8% - 29% 90
Institution Price Graph
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Key Statistics
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# 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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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