Peoples Bank of Caraga, Inc. - 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

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 Details

Institution Type	RurBank
Is this institution regulated?	Yes
Website address	http://www.peoplesbankofcaraga.org/
Year established	1972
Head of Institution	Cristina A. Bulaon
Regions active
# Branches	12

Total Portfolio (nat'l)	PhP 436,386,219
Total Portfolio (USD)	USD 10,439,861.70
Active clients with loans	41,943
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations	Microfinance Council of the Philippines, Inc. (MCPI)
Funders

Loan Products » Summary

Allied

3,285 Borrowers

USD 672,640.86 Portfolio

Active Product

Cycled

31,305 Borrowers

USD 6,081,747.73 Portfolio

Active Product

Farm

14,249 Borrowers

USD 2,537,310.77 Portfolio

Active Product

Micro-Agri

1,876 Borrowers

USD 1,143,001.08 Portfolio

Active Product

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Allied Undertakings Loan	PHP 3,000 - 150,000	6 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Cycled Loan / Enterprise Loan	PHP 3,000 - 150,000	6 - 12	80% - 100%	20% - 40%	Business	Women, Men, Have business, Specific age group, Age must be 18 to 65 years old	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Farm Financing Loan	PHP 3,000 - 10,000	6	80% - 100%	0% - 20%	Business	Women, Men, Have business, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
ISAPA-PPP	PHP 5,000 - 75,000	6	0% - 20%	0% - 20%	Business	Women, Men, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Education Trips of Members

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Allied Undertakings Loan	24.0% annual, Flat	2 Fees	1 Ins	0.50% loan amt	N/A	59.2% - 61.1%	62.9% - 65.7%	37
Cycled Loan / Enterprise Loan	24.0% annual, Flat	2 Fees	1 Ins	0.50% loan amt	100.00 upfront 0.37% ongoing	58.1% - 63%	70.7% - 76.3%	32
Farm Financing Loan	28.0% annual, Flat	2 Fees	1 Ins	0.50% loan amt	N/A	36.2% - 36.8%	38.3% - 39%	72
ISAPA-PPP	28.0% annual, Flat	2 Fees	1 Ins	0.50% loan amt	N/A	66.5%	67.4% - 69%	41

Institution Price Graph

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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

Pak Oman Microfinance Bank Limited 2nd Floor, Tower "C", Finance and Trade Centre (FTC), Shahra-e-FaisalKarachi, Sindh

Data approved: 2015-05-11

Data version: 2

Age of data: 113 months

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Product

Micro Business Loan Product 2 of 6 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (PKR)	PKR 47,848,616
Portfolio (USD)	USD 469,873.41
Active Clients with Loans	2,074
Approximate % Female Clients	20% - 40%
Approximate % Urban Clients	40% - 60%

Methodology

Individual
Solidarity group
Village banking
Self help group
Other

Description

MBL are to be extended to individuals for managing their existing business.

Loan Purpose

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

Included Services

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

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	5
# Regions for this product	5
Regions Active	Balochistan, Islambad Capital Territory, Khyber Pakhtunkwa, Punjab, Sindh

Loan Conditions

Loan Amount

Currency	PKR
Minimum loan size	PKR 10,000
Maximum loan size	40,000

Distribution at Disbursement (Est.)

Loans less than PKR 10,000	0
PKR 10,000-25,000	40%
PKR 25,000-50,000	60%
PKR 50,000-75,000	0
PKR 75,000-150,000	0
Greater than PKR 150,000	0

Loan Term and Grace Period

Shortest loan term	12.0 months
Longest loan term	24.0 months
Approx average	DK

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	0
Between 7 and 9 months	0
Between 10 and 12 months	90%
Between 13 and 18 months	5%
Longer than 18 months	5%

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	35.50%
Highest quoted nominal interest	38.00%
Reason(s) why interest rate varies	Time as Client
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Loan Processing Fees
% of loan amount - min	3.00%
% of loan amount - max	3.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	Processing fees also includes Life Insurance facility for the customers.
Appears on Repayment Sched?	Yes

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 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?	No

Are taxes charged on this product?

Additional Comments

All fees including processing fees and markup rates has been written on the contract which has duly signed by the borrowers.

Full Pricing Data

Micro Business Loan samples

Loan Amount	Type of Sample	Disbursement Date	Loan Term (Months)	Grace Period (Months)	Total Cost of Credit	Full APR (int fee ins tax dep)	True Price by Component					Transparency Index	Original Repayment Schedule	MFT Pricing Calculation
Loan Amount	Type of Sample	Disbursement Date	Loan Term (Months)	Grace Period (Months)	Total Cost of Credit	Full APR (int fee ins tax dep)	Interest price component	Fee Component	Insurance Component	Tax Component	Deposit Component	Transparency Index	Original Repayment Schedule	MFT Pricing Calculation
PKR 10,000	Generated	2015-06-01	12.0 months	N/A	PKR 2,229	41.3%	35.0%	6.3%	0.0%	0.0%	0.0%	86	-	PDF
PKR 15,000	Generated	2015-06-01	12.0 months	N/A	PKR 3,343.49	41.3%	35.0%	6.3%	0.0%	0.0%	0.0%	86	-	PDF
PKR 20,000	Generated	2015-06-01	12.0 months	N/A	PKR 4,457.99	41.3%	35.0%	6.3%	0.0%	0.0%	0.0%	86	-	PDF
PKR 26,000	Generated	2015-06-01	12.0 months	N/A	PKR 5,795.39	41.3%	35.0%	6.3%	0.0%	0.0%	0.0%	86	-	PDF
PKR 30,000	Generated	2015-06-01	18.0 months	N/A	PKR 9,356.78	39.5%	35.0%	4.5%	0.0%	0.0%	0.0%	90	-	PDF
PKR 35,000	Generated	2015-06-01	24.0 months	N/A	PKR 14,025.33	38.6%	35.0%	3.6%	0.0%	0.0%	0.0%	92	-	PDF
PKR 38,000	Generated	2015-06-01	12.0 months	N/A	PKR 8,470.18	41.3%	35.0%	6.3%	0.0%	0.0%	0.0%	86	-	PDF
PKR 40,000	Generated	2015-06-01	12.0 months	N/A	PKR 8,915.98	41.3%	35.0%	6.3%	0.0%	0.0%	0.0%	86	-	PDF

Micro Business Loan 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

	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 Details

Loan Products » Summary

Loan Products » Conditions

Loan Products » Pricing Information

Institution Price Graph

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

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

Micro Business Loan samples

Micro Business Loan Price Graphs

Total Borrowers of Samples

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