2. PCSD
Please note that the information you are viewing is 160 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

People's Center for Sustainable Development Purok 3, ArimbayLegaspi City, Albay4500
Data approved: 2011-11-15
Data version: 1
Age of data: 160 months

Product

Livelihood Loan Product 1 of 1 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 7,000,000
Portfolio (USD)USD 167,464.11
Active Clients with Loans717
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Loans extended to members for income-generating activities
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visitsx
Business trainingx
Other trainingx
OtherSocial Services, Spiritual formation (Bible study)
Other (2)Environmental projects - maintenance of forest park, tree planting, waste management, skills trainin
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
OtherHas no history of loan delinquency
Other (2)
# 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 1,000
Maximum loan size60,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term12.0 months
Approx average3.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Dailyx
Weeklyx
Every 2 weeksx
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 interest2.00%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesLoan Size, Client Risk, Collateral, Loan Purpose, < 2000 - 2% 200001 - 350000 - 2.5% 35001 - 60,000 - 3%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionService ChargeOrganizational Devt. Fund (ODF)
% of loan amount - min1.70%1.70%
% of loan amount - max2.00%2.00%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1Ins 2
DescriptionPension Plan (per month)Loan Insurance
% of loan amount - min00.50%
% of loan amount - max01.00%
OR, Fixed amount - min1000
Fixed amount - max1000
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forSome
CriteriaIf loan is payable within 1 month, no retention fund detection
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited2.00% - N/A
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 100 - N/A
Conditions on access to depositWhen Leaving
Interest Paid on Deposit
Minimum interest rate paid6.00%
Maximum interest rate paid6.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No
Additional Comments
ODF - maximum amount of P5 per year per member. Used for expenses incurred during AGM, Christmas party and skills training. Mutual Benefit Fund Contribution - P25 x loan term in months; provides hospitalization allowance and death benefit (P2,-1,). CBU: 1 per month Interest rebates are given to those with good repayment record. Interest is recomputed based on diminishing balance. Loan insurance - .5% if less than 6 months, 1% if more than 6 months Interest is pre-deducted from the loan. Collection charge is collected from borrowers who do not voluntarily go to the PCSD office to remit their payment.

Full Pricing Data

Livelihood Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountPHP 3,000PHP 8,000PHP 15,000PHP 30,000PHP 60,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-08-162011-07-182011-07-082011-07-282011-07-08
Loan Term (Months)3.0 months8.0 months3.3 months3.3 months3.3 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component57.9%48.1%66.6%95.4%76.1%
Insurance Component103.0%52.9%24.2%15.7%9.1%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component14.9%13.4%4.9%5.4%3.7%
Full APR (int fee ins tax dep)175.8%114.4%95.7%116.6%88.9%
Transparency Index1421252127
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Livelihood Loan Price Graphs


Click to view Price Analysis Tool
  2. ACLEDA
Please note that the information you are viewing is 169 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

ACLEDA Bank Plc. #61, Preah Monivong Blvd.Sangkat Srah Chork, Khan Daun PenhPhnom Penh, CambodiaN/A
Data approved: 2011-02-02
Data version: 2
Age of data: 169 months
Choose version

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.acledabank.com.kh/
Year established1993
Head of InstitutionMr. In Channy
Regions active
# Branches233

Total Portfolio (nat'l)KHR 889,996,000,000
Total Portfolio (USD)USD 225,315,443
Active clients with loans235,257
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliations
Funders

Loan Products » Summary

Micro KHR
139,997 Borrowers
USD 56,821,772.15 Portfolio
Active Product
Micro USD
26,191 Borrowers
USD 16,854,649 Portfolio
Active Product
Micro THB
7,344 Borrowers
USD 5,114,741.63 Portfolio
Active Product
Small KHR
5,221 Borrowers
USD 9,206,850.40 Portfolio
Active Product
Small USD
54,364 Borrowers
USD 120,849,087.90 Portfolio
Active Product
Small THB
2,140 Borrowers
USD 6,239,555.23 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Micro Loan (KHR) KHR 50,000 - 6,000,000 6 - 18 60% - 80% 0% - 20% Business Women, Men, Have business
Micro Loan (USD) USD 300 - 1,500 6 - 18 60% - 80% 0% - 20% Business Women, Men, Have business
Micro Loan (THB) THB 7,000 - 60,000 6 - 18 60% - 80% 0% - 20% Business Women, Men, Have business
Small Loan (KHR) KHR 6,000,001 - 39,999,999 6 - 24 40% - 60% 40% - 60% Business Women, Men, Have business, Have home or land
Small Loan (USD) USD 1,501 - 9,999 6 - 24 40% - 60% 40% - 60% Business Women, Men, Have business, Have home or land
Small Loan (THB) THB 60,001 - 399,999 6 - 24 40% - 60% 40% - 60% Business Women, Men, Have business, Have home or land

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Loan (KHR) 28.8%-32.4% annual, Decl Bal 0 Fees 0 Ins None N/A 30.4% - 32.9% 30.4% - 32.9% 89
Micro Loan (USD) 28.8%-32.4% annual, Decl Bal 0 Fees 0 Ins None N/A 30.5% - 33% 30.5% - 33% 90
Micro Loan (THB) 28.8%-32.4% annual, Decl Bal 0 Fees 0 Ins None N/A 30.4% - 33% 30.4% - 33% 91
Small Loan (KHR) 24.0%-28.8% annual, Decl Bal 0 Fees 0 Ins None N/A 26.8% - 29.2% 26.8% - 29.2% 87
Small Loan (USD) 18.0%-24.0% annual, Decl Bal 0 Fees 0 Ins None N/A 21.9% - 23.2% 21.9% - 23.2% 80
Small Loan (THB) 24.0%-28.8% annual, Decl Bal 0 Fees 0 Ins None N/A 29.2% - 29.3% 29.2% - 29.3% 82
Institution Price Graph
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 ∞