Number borrowers | 524 |
Loan Amount (range) | PHP 5,000 - 150,000 |
Loan Term (range) | 1 - 10 |
Other Services (text summary) | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training |
Annual Interest & Method | 30.0% annual, Flat |
Fees | 2.50% upfront 200.00 upfront |
Insurance | 170.00-39,750.00 upfront |
Tax | None |
Comp Dep | 20.00% ongoing |
Range of pricing | |
Interest Price Component | N/A |
Fee Component | 58.8% - 82.0% (Int+Fee) |
Insurance Component | 4.9% - 13.5% |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 64.0% - 97.7% |
Transparency Index (min/max) | 31 - 47 |
Transparency Index (average) | 39 |
5,003 |
THB 800 - 14,000 |
3 - 12 |
Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training |
33.6%-36.0% annual, Decl Bal |
None |
None |
None |
N/A |
21.5% - 35.9% |
0 |
0 |
0 |
34.7% - 35.0% |
68 - 100 |
96 |
Outstanding portfolio (PHP) | PHP 12,118,482 |
Portfolio (USD) | USD 289,915.84 |
Active Clients with Loans | 524 |
Approximate % Female Clients | 60% - 80% |
Approximate % Urban Clients | 20% - 40% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | x |
Workplace visits | x |
Business training | x |
Other training | |
Other | |
Other (2) | |
No other services |
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 | x |
Other | |
Other (2) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Outstanding portfolio (THB) | THB 44,807,182 |
Portfolio (USD) | USD 1,518,887.53 |
Active Clients with Loans | 5,003 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
Individual | |
Solidarity group | |
Village banking | x |
Self help group | |
Other |
Any purpose | |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | x |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | x |
Workplace visits | |
Business training | x |
Other training | x |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | x |
Must be a salaried worker | |
Must be specific age group | x |
Other | |
Other (2) |
# Regions for this institution | 20 |
# Regions for this product | 2 |
Regions Active | Banteay Meanchey, Battambang |
Currency | PHP |
Minimum loan size | PHP 5,000 |
Maximum loan size | 150,000 |
Shortest loan term | 1.0 month |
Longest loan term | 10.0 months |
Approx average | 6.0 months |
Grace period usage | 0 |
Average grace period | 0 |
Daily | x |
Weekly | x |
Every 2 weeks | x |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Currency | THB |
Minimum loan size | THB 800 |
Maximum loan size | 14,000 |
Loans less than THB 10,000 | 50% |
THB 10,000-30,000 | 50% |
THB 30,000-50,000 | 0 |
THB 50,000-70,000 | 0 |
THB 70,000-90,000 | 0 |
Greater than THB 90,000 | 0 |
Shortest loan term | 3.0 months |
Longest loan term | 12.0 months |
Approx average | 10.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 100% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | x |
Quarterly | x |
Every 6 months | x |
Every 12 months | |
Single end payment | x |
Irregular payments |
Lowest quoted nominal interest | 30.00% |
Highest quoted nominal interest | 30.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Fee 1 | Fee 2 | ||
---|---|---|---|
Description | Service Charge + Processing Fee | Notarial Fee | |
% of loan amount - min | 2.50% | 0 | |
% of loan amount - max | 2.50% | 0 | |
OR, Fixed amount - min | 0 | 200 | |
Fixed amount - max | 0 | 200 | |
Reason for variation | N/A | ||
Appears on Repayment Sched? | No | No |
Ins 1 | |
---|---|
Description | Credit Insurance |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 170 |
Fixed amount - max | 39,750 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | |
Do borrowers control deposit in their group? | Yes |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 20.00% |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | Access During |
Minimum interest rate paid | 1.00% |
Maximum interest rate paid | 1.00% |
Interest payment frequency | Annually |
Are taxes charged on this product? | No |
Lowest quoted nominal interest | 2.80% |
Highest quoted nominal interest | 3.00% |
Reason(s) why interest rate varies | Branch, Client Risk |
Interest rate period | Monthly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | ||||||
---|---|---|---|---|---|---|---|---|---|---|---|
Loan Amount | PHP 7,000 | PHP 15,000 | PHP 30,000 | PHP 50,000 | PHP 100,000 | PHP 120,000 | |||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
Disbursement Date | 2011-05-06 | 2011-06-03 | 2011-07-01 | 2011-06-24 | 2011-05-31 | 2011-05-17 | |||||
Loan Term (Months) | 6.1 months | 6.1 months | 3.0 months | 6.1 months | 10.0 months | 10.0 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 | 78.8% | 72.2% | 82.0% | 68.2% | 58.8% | 58.8% | |||||
Insurance Component | 7.7% | 7.6% | 13.5% | 7.5% | 4.9% | 4.9% | |||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Deposit Component | 2.0% | 2.4% | 2.3% | 1.8% | 0.3% | 0.3% | |||||
Full APR (int fee ins tax dep) | 88.6% | 82.1% | 97.7% | 77.4% | 64.0% | 64.0% | |||||
Transparency Index | 34 | 37 | 31 | 39 | 47 | 47 | |||||
Original Repayment Schedule | |||||||||||
MFT Pricing Calculation |
Sample 1 | Sample 2 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | THB 2,000 | THB 5,000 | THB 10,000 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2013-02-20 | 2013-02-20 | 2013-03-14 | ||
Loan Term (Months) | 12.0 months | 12.0 months | 10.0 months | ||
Grace Period (Months) | 11.1 months | 10.9 months | 5.9 months | ||
Total Cost of Credit | THB 704 | THB 1,727 | THB 2,444 | ||
True Price by Comp | |||||
Interest price component | 34.9% | 35.0% | 34.7% | ||
Fee Component | 0.0% | 0.0% | 0.0% | ||
Insurance Component | 0.0% | 0.0% | 0.0% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 0.0% | 0.0% | 0.0% | ||
Full APR (int fee ins tax dep) | 34.9% | 35.0% | 34.7% | ||
Transparency Index | 96 | 96 | 97 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
Key Statistics | |
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# 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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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