Peoples Bank of Caraga, Inc. - Allied Undertakings Loan - MFTransparency.org Truth In Lending Tables

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

Please note that the information you are viewing is 113 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

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Institution

Khushhali Bank Limited 4th Floor, 94 west, Jinnah AvenueIslamabad, Federal44000

Data approved: 2015-04-20

Data version: 2

Age of data: 113 months

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Product

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Product Summary

Number borrowers	3,285
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 & Method	24.0% annual, Flat
Fees	2.00%-4.00% upfront 1.50%-3.00% upfront
Insurance	18.55-2,053.44 upfront
Tax	0.50% loan amt
Comp Dep	N/A
Range of pricing
Interest Price Component	N/A
Fee Component	59.2% - 61.1% (Int+Fee)
Insurance Component	0.2% - 3.4%
Tax Component Range	0.6% - 1.2%
Full APR (int fee ins tax dep)	62.9% - 65.7%
Transparency Index (min/max)	31 - 73
Transparency Index (average)	37

Product Details

Key Statistics

Outstanding portfolio (PHP)	PHP 28,116,388
Portfolio (USD)	USD 672,640.86
Active Clients with Loans	3,285
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	0% - 20%

Methodology

Individual
Solidarity group	x
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 generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education	x
Group meetings	x
Credit insurance	x
Workplace visits	x
Business training	x
Other training
Other
Other (2)
No other services

Eligibility

Men	x
Women	x
Must run a business	x
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 institution	N/A
# Regions for this product	N/A
Regions Active

Product Details

This product either has less than 50 active borrowers or less than 10 loan disbursements over the past 9 months. MFTransparency presents basic data rather than full data for low volume products

Key Statistics

Outstanding portfolio (PKR)	PKR 697,554.70
Portfolio (USD)	USD 6,849.99
Active Clients with Loans	8
Approximate % Female Clients	N/A
Approximate % Urban Clients	N/A

Description

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture	x
Education
Other household finance
Other
Other (2)

Eligibility

Men	x
Women	x
Must run a business	x
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 institution	6
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	PHP
Minimum loan size	PHP 3,000
Maximum loan size	150,000

Loan Term and Grace Period

Shortest loan term	6.0 months
Longest loan term	12.0 months
Approx average	0

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly	x
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 interest	24.00%
Highest quoted nominal interest	24.00%
Interest rate period	Yearly
Interest Rate Calculation Method	Flat
Subsidized by funder request?
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1	Fee 2
Description	Service Fee	Filing Fee
% of loan amount - min	2.00%	1.50%
% of loan amount - max	4.00%	3.00%
OR, Fixed amount - min	0	0
Fixed amount - max	0	0
Reason for variation		N/A
Appears on Repayment Sched?	No	No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Loan Insurance
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	18.55
Fixed amount - max	2,053.44
Reason for variation	N/A
Appears on Repayment Sched?	No

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	Yes
Percentage of fees	0
All or some fees taxed	N/A

Additional Comments

Taxes: .5% of Fees

Full Pricing Data

Allied Undertakings Loan samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5	Sample 6
Loan Amount	PHP 3,000	PHP 8,000	PHP 15,000	PHP 30,000	PHP 60,000	PHP 90,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2011-06-15	2011-05-30	2011-06-03	2011-06-10	2011-05-11	2011-05-11
Loan Term (Months)	6.1 months	11.9 months	11.9 months	11.9 months	11.9 months	11.9 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	59.2%	61.1%	61.0%	60.9%	60.9%	61.0%
Insurance Component	2.6%	3.4%	3.3%	3.3%	3.3%	3.3%
Tax Component	1.1%	1.2%	1.2%	1.2%	1.2%	1.2%
Deposit Component	0.0%	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 Index	38	37	37	37	37	37

Original Repayment Schedule	PDF	PDF	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF	PDF	PDF

Allied Undertakings Loan Price Graphs

Click to view Price Analysis Tool

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

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
Min
Max
Std Dev

By Inst Type


By Country

	X Axis
	Greater than:
	Less or equal to:
	From 0 to
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Institution

Institution

Product

Product

Product Summary

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Product Details

Key Statistics

Description

Loan Purpose

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Loan Term and Grace Period

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Additional Comments

Full Pricing Data

Allied Undertakings Loan samples

Allied Undertakings Loan Price Graphs

Total Borrowers of Samples

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