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. Seilanithih
Please note that the information you are viewing is 139 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

Seilanithih Limted No. 35, St. 360Sangkat Boeung Keng Kang IKhan Chamkarmorn, Phnom Penh
Data approved: 2013-04-02
Data version: 3
Age of data: 139 months
Choose version

Product

Farm Financing Loan Product 3 of 5 « Prev | Next »

Product

Group Loan (KHR) Product 4 of 8 « Prev | Next »

Product Summary

Number borrowers14,249
Loan Amount (range)PHP 3,000 - 10,000
Loan Term (range)6
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Annual Interest & Method28.0% annual, Flat
Fees2.00%-4.00% upfront 1.50%-3.00% upfront
Insurance18.55-62.00 upfront
Tax0.50% loan amt
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component36.2% - 36.8% (Int+Fee)
Insurance Component0.2% - 3.4%
Tax Component Range0.6% - 1.2%
Full APR (int fee ins tax dep)38.3% - 39.0%
Transparency Index (min/max)31 - 73
Transparency Index (average)72

Product Summary

2,830
KHR 400,000 - 2,400,000
1 - 24
Credit Ins
36.0% annual, Decl Bal
None
None
None
3.0% upfront
 
27.1% - 36.0%
0
0
0
37.1%
81 - 105
97

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 106,059,590
Portfolio (USD)USD 2,537,310.77
Active Clients with Loans14,249
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Lend to members who are engaged to Farm Productions (like: rice, corn, vegetables, fruits & other crops) as well as Farm Maintenance.
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
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 (KHR)KHR 1,910,277,705
Portfolio (USD)USD 483,614.61
Active Clients with Loans2,830
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
It is the group solidarity loan of 2 - 5 members in a group. This product is for rural clients, especially for agricultural purpose.
Loan Purpose
Any purpose
Income generationx
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 servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
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 institution7
# Regions for this product7
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kandal, Phnom Penh, PursatSiem Reap

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 3,000
Maximum loan size10,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term6.0 months
Approx average6.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular paymentsx

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 400,000
Maximum loan size2,400,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,00090%
KHR 1,000,000-3,500,00010%
KHR 3,500,000-6,000,0000
KHR 6,000,000-8,000,0000
KHR 8,000,000-10,000,0000
Greater than KHR 10,000,0000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term24.0 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 months90%
Between 13 and 18 months0
Longer than 18 months10%
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 interest28.00%
Highest quoted nominal interest28.00%
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 - max62
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 PRIOR TO DISBURSEMENT: .5% of Fees; TAXES DURING PERIODIC LOAN REPAYMENTS - Documentary Stamps: .25%-.5% of Loan

Pricing Information

Interest
Lowest quoted nominal interest3.00%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesAll branches, loan size and term have the same interest rate.
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
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited3.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid6.00%
Maximum interest rate paid6.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Full Pricing Data

Farm Financing Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 2,700PHP 3,000PHP 6,700PHP 8,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-05-272011-06-152011-05-272011-06-08
Loan Term (Months)6.0 months6.0 months6.0 months6.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component36.8%36.8%36.6%36.2%
Insurance Component1.6%1.6%1.6%1.5%
Tax Component0.6%0.6%0.6%0.6%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)39.0%39.0%38.8%38.3%
Transparency Index72727273
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Group Loan (KHR) samples
Sample 1Sample 2Sample 3
Loan AmountKHR 400,000KHR 1,600,000KHR 2,400,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2012-06-192012-06-192012-06-19
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)10.8 months10.8 months10.8 months
Total Cost of CreditKHR 141,200KHR 564,800KHR 847,200
True Price by Comp     
Interest price component36.0%36.0%36.0%
Fee Component0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component1.1%1.1%1.1%
Full APR (int fee ins tax dep)37.1%37.1%37.1%
Transparency Index979797
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Farm Financing Loan Price Graphs


Click to view Price Analysis Tool
Group Loan (KHR) Price Graphs


Click to view Price Analysis Tool
Caps / Zoom options
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
Loading...
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

Total Borrowers of Samples

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