2. PBC
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. Fortaleza
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

Peoples Bank of Caraga, Inc. Brgy. 5San Francisco, Agusan del Sur/Region XIII8501
Data approved: 2011-11-15
Data version: 1
Age of data: 158 months

Institution

Banco Fortaleza Sociedad Anónima Av. Arce No, 2799 esq. CorderoLa Paz, Bolivia
Data approved: 2013-09-23
Data version: 2
Age of data: 130 months
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Product

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Product

Linea de Credito Optima Product 5 of 13 « Prev | Next »

Product Summary

Number borrowers3,285
Loan Amount (range)PHP 3,000 - 150,000
Loan Term (range)6 - 12
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Annual Interest & Method24.0% annual, Flat
Fees2.00%-4.00% upfront 1.50%-3.00% upfront
Insurance18.55-2,053.44 upfront
Tax0.50% loan amt
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component59.2% - 61.1% (Int+Fee)
Insurance Component0.2% - 3.4%
Tax Component Range0.6% - 1.2%
Full APR (int fee ins tax dep)62.9% - 65.7%
Transparency Index (min/max)31 - 73
Transparency Index (average)37

Product Summary

2,718
BOB 14,000 - 140,000
27 - 118
Credit Ins
21.6% annual, Decl Bal
None
1.43%-1.95% ongoing
None
N/A
 
12.1% - 27.6%
0
0.2% - 2.1%
0
22.5%
8 - 1062
96

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 28,116,388
Portfolio (USD)USD 672,640.86
Active Clients with Loans3,285
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Business enhancement to member's Income Generating Project. Ex: Ice Cream, freezer is needed.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
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 100,627,187
Portfolio (USD)USD 14,907,731.41
Active Clients with Loans2,718
Approximate % Female Clients20% - 40%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Línea de crédito de disponibilidad inmediata
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 businessx
Must own a home or land
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 institution6
# Regions for this product6
Regions ActiveChuquisaca , Cochabamba , La Paz , Oruro , Santa Cruz, Tarija

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 3,000
Maximum loan size150,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 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 14,000
Maximum loan size140,000
Distribution at Disbursement (Est.)
Loans less than BOB 10,0000
BOB 10,000-40,00050%
BOB 40,000-70,00030%
BOB 70,000-100,00010%
BOB 100,000-125,0005%
Greater than BOB 125,0005%
Loan Term and Grace Period
Shortest loan term27.0 months
Longest loan term118.0 months
Approx average68.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months100%
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 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest24.00%
Highest quoted nominal interest24.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionService FeeFiling Fee
% of loan amount - min2.00%1.50%
% of loan amount - max4.00%3.00%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLoan Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min18.55
Fixed amount - max2,053.44
Reason for variationN/A
Appears on Repayment Sched?No
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 fees0
All or some fees taxedN/A
Additional Comments
Taxes: .5% of Fees

Pricing Information

Interest
Lowest quoted nominal interest1.80%
Highest quoted nominal interest1.80%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
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
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de desgravamen
% of loan amount - min1.43%
% of loan amount - max1.95%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationLa comisión es 0.07% mensual que aplica 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

Allied Undertakings Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountPHP 3,000PHP 8,000PHP 15,000PHP 30,000PHP 60,000PHP 90,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-06-152011-05-302011-06-032011-06-102011-05-112011-05-11
Loan Term (Months)6.1 months11.9 months11.9 months11.9 months11.9 months11.9 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 Component59.2%61.1%61.0%60.9%60.9%61.0%
Insurance Component2.6%3.4%3.3%3.3%3.3%3.3%
Tax Component1.1%1.2%1.2%1.2%1.2%1.2%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)62.9%65.7%65.6%65.5%65.5%65.6%
Transparency Index383737373737
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Linea de Credito Optima samples
Sample 1Sample 2Sample 3
Loan AmountBOB 25,000BOB 36,000BOB 50,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2014-01-082013-09-182013-09-18
Loan Term (Months)36.0 months36.0 months48.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditBOB 9,542.64BOB 13,741.46BOB 26,070.17
True Price by Comp     
Interest price component21.7%21.7%21.7%
Fee Component0.0%0.0%0.0%
Insurance Component0.8%0.8%0.8%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)22.5%22.5%22.5%
Transparency Index969696
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Allied Undertakings Loan Price Graphs


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Linea de Credito Optima 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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