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. Ecofuturo
Please note that the information you are viewing is 129 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

Ecofuturo S.A. calle Mexico 1530 entre Otero de la Vega y Nicolas AcostaLa Paz
Data approved: 2010-11-09
Data version: 1
Age of data: -   months 
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Product

Cycled Loan / Enterprise Loan Product 2 of 5 « Prev | Next »

Product

Eco-Agropecuario Product 6 of 9 « Prev | Next »

Product Summary

Number borrowers31,305
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 Dep100.00 upfront 0.37% ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component58.1% - 63.0% (Int+Fee)
Insurance Component0.2% - 3.4%
Tax Component Range0.6% - 1.2%
Full APR (int fee ins tax dep)70.7% - 76.3%
Transparency Index (min/max)31 - 73
Transparency Index (average)32

Product Summary

2,717
BOB 350 - 40,000
3 - 60
Credit Ins, Seguro de todo riesgo Maquinaria
24.0%-30.0% annual, Decl Bal
4.00% ongoing 1.00% ongoing
None
None
N/A
 
N/A
0 (Int+Fee)
0 - 0.3%
0 - 0.5%
0
0 - N/A
N/A

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 254,217,055
Portfolio (USD)USD 6,081,747.73
Active Clients with Loans31,305
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Enterprising Loan
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 groupx
OtherAge must be 18 to 65 years old
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 4,413,842.89
Portfolio (USD)USD 644,356.63
Active Clients with Loans2,717
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Crédito destinado a actividades agricolas que destinen el dinero a la compra de insumos, maquinaria u otros del negocio exclusivamente agropecuario
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherCompra de Maquinaria, Semilla, ganado entre otros
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
OtherSeguro de todo riesgo Maquinaria
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
OtherQue cuente con experiencia en la actividad agrícola
Other (2)Exclusivo para el Agro
# 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 3,000
Maximum loan size150,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average6.0 months
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 350
Maximum loan size40,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term60.0 months
Approx average0
Grace Period
Grace period usage10%
Average grace period6.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular paymentsx

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 ChargeFiling 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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount depositedPHP 100
Deposits DURING period payments
% loan amount deposited0.37%
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid2.00%
Maximum interest rate paid2.00%
Interest payment frequencyWeekly
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A
Additional Comments
Interest paid during weekly amortization.

Pricing Information

Interest
Lowest quoted nominal interest24.00%
Highest quoted nominal interest30.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
Is rate fixed for entire loan termNo
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1Fee 2
DescriptionSeguro de todo RiesgoSeguro de Desgravamen
% of loan amount - min8.00%4.00%
% of loan amount - max8.00%4.00%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationN/AN/A
Appears on Repayment Sched?YesYes
Upfront Insurance Fees
This product has no upfront insurance fees
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

Full Pricing Data

Cycled Loan / Enterprise Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountPHP 3,000PHP 7,000PHP 15,000PHP 30,000PHP 60,000PHP 90,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-06-092011-05-262011-05-262011-06-232011-05-262011-04-13
Loan Term (Months)6.1 months6.1 months6.1 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 Component58.1%59.2%63.0%60.9%61.0%61.0%
Insurance Component2.6%2.6%2.6%3.3%3.3%3.3%
Tax Component1.1%1.1%1.1%1.2%1.2%1.2%
Deposit Component9.7%7.8%5.7%10.8%10.6%10.3%
Full APR (int fee ins tax dep)71.5%70.7%72.4%76.3%76.2%75.9%
Transparency Index343433313232
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Eco-Agropecuario samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountBOB 3,000BOB 7,000BOB 15,000BOB 28,000
Loan Cycle (1, 2, 3, etc)Not Known666
Disbursement Date2010-04-052010-06-192010-06-282010-06-23
Loan Term (Months)12.0 months24.0 months24.0 months40.0 months
Grace Period (Months)6.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component31.1%30.4%27.4%26.8%
Insurance Component0.0%0.0%0.0%0.0%
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)31.1%30.4%27.4%26.8%
Transparency Index77798889
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Cycled Loan / Enterprise Loan Price Graphs


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Eco-Agropecuario 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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