2. RB Labason
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

Rural Bank of Labason, Inc. Rizal Ave. St. AntoninoNational Highway, PoblacionLabason, Zamboanga del Norte/Region IX7117
Data approved: 2011-11-15
Data version: 1
Age of data: 158 months

Product

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Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 12,118,482
Portfolio (USD)USD 289,915.84
Active Clients with Loans524
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
PAHULAM SA GAGMAYNG NEGOSYANTE (Micro Business Loan) - KUGI LOAN is offered to micro-entrepreneurs engaged in various microentrepreneurial activities
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

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 5,000
Maximum loan size150,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term10.0 months
Approx average6.0 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 interest30.00%
Highest quoted nominal interest30.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionService Charge + Processing FeeNotarial Fee
% of loan amount - min2.50%0
% of loan amount - max2.50%0
OR, Fixed amount - min0200
Fixed amount - max0200
Reason for variationN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min170
Fixed amount - max39,750
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?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited20.00%
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid1.00%
Maximum interest rate paid1.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No
Additional Comments
(1) Credit Insurance = [(Principal x 3% x term in days/36 days) + Principal] x 1.5% ; \r(2) Savings = 2% of Principal/Term in days

Full Pricing Data

KUGI samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountPHP 7,000PHP 15,000PHP 30,000PHP 50,000PHP 100,000PHP 120,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-05-062011-06-032011-07-012011-06-242011-05-312011-05-17
Loan Term (Months)6.1 months6.1 months3.0 months6.1 months10.0 months10.0 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 Component78.8%72.2%82.0%68.2%58.8%58.8%
Insurance Component7.7%7.6%13.5%7.5%4.9%4.9%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component2.0%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 Index343731394747
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
KUGI Price Graphs


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  2. FMFB
Please note that the information you are viewing is 131 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

The First MicroFinanceBank Ltd. 16th, 17th Floor, Habib Bank Ltd. Tower, Near China ChowkBlue AreaIslamabad, Federal44000
Data approved: 2013-07-25
Data version: 1
Age of data: 131 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.akdn.org/pakistan_microfinance.asp
Year established2002
Head of InstitutionAmir Masood Khan
Regions activeAzad Kashmir, Balochistan, Gilgit-Baltistan, Khyber Pakhtunkwa, Punjab, Sindh
# Branches133

Total Portfolio (nat'l)PKR 4,020,148,567
Total Portfolio (USD)USD 41,021,924.15
Active clients with loans166,267
Approximate % female clients20% - 40%
Approximate % urban clients40% - 60%
Network affiliationsPakistan Microfinance Network (PMN), Microfinance Network (MFN), Banking with the Poor, Aga Khan Development Network (AKDN)
FundersAga Khan Agency for Microfinance (Equity partner/Investor), International Finance Corporation (Equity Partner/Investor), Japan International Corporation Agency (JICA)

Loan Products » Summary

Agriculture
63,528 Borrowers
USD 16,214,001.18 Portfolio
Active Product
Enterprise
54,724 Borrowers
USD 8,530,425.54 Portfolio
Active Product
Livestock S
33,590 Borrowers
USD 8,406,219.68 Portfolio
Active Product
Livestock M
103 Borrowers
USD 47,239.66 Portfolio
Active Product
General
494 Borrowers
USD 137,748.27 Portfolio
Active Product
Pension
10,197 Borrowers
USD 5,358,363.83 Portfolio
Active Product
Salary
2,939 Borrowers
USD 1,829,346.10 Portfolio
Active Product
Gold
458 Borrowers
USD 324,813.30 Portfolio
Active Product
Near Cash
233 Borrowers
USD 173,650.49 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Finance PKR 10,000 - 150,000 3 - 14 0% - 20% 0% Agriculture Women, Men, Has owned or contracted cultivation land and has experience of cultivation Group Mtgs, Credit Ins
Enterprise Finance PKR 15,000 - 150,000 3 - 18 0% - 20% 80% - 100% Business Women, Men, Have business, Start up can also avail loan facility Group Mtgs, Credit Ins
Livestock Finance (Short Term) PKR 10,000 - 150,000 3 - 12 20% - 40% 0% - 20% Business, Small animal purchase, raring, fattening and productivity enhancement of large animals Women, Men Group Mtgs, Credit Ins
Livestock Finance (Medium Term) PKR 30,000 - 80,000 6 - 36 40% - 60% 0% - 20% Business, Purchase of milking cow/buffallo Women, Men, Must have at least 2 existing milking animals Group Mtgs, Credit Ins
General Purpose Finance PKR 10,000 - 50,000 3 - 12 40% - 60% 0% - 20% Housing, Education, Other Women, Men Group Mtgs, Credit Ins
Micro Pensioner Loan PKR 20,000 - 150,000 6 - 36 0% - 20% 40% - 60% Any Purpose Women, Men, Must be a pensioner Credit Ins
Low Salary Employees Loan PKR 20,000 - 150,000 6 - 36 0% - 20% 40% - 60% Any Purpose Women, Men, Salaried worker Credit Ins
Individual Loan Against Gold PKR 35,000 - 150,000 3 - 12 40% - 60% 100% Any Purpose Women, Men Credit Ins
Individual Loan Against Cash/Near Cash PKR 20,000 - 150,000 3 - 24 0% - 20% 40% - 60% Any Purpose Women, Men Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Finance 26.0%-38.4% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 29.1% - 33.8% 29.1% - 33.9% N/A
Enterprise Finance 38.4% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 30% - 38.2% 30% - 38.2% N/A
Livestock Finance (Short Term) 26.0%-38.4% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 27.8% - 40.2% 27.8% - 40.6% N/A
Livestock Finance (Medium Term) 31.7%-40.9% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 32.1% - 44.6% 32.1% - 45.1% N/A
General Purpose Finance 26.0%-38.4% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 27.6% - 37.6% 27.6% - 37.6% N/A
Micro Pensioner Loan 30.0%-32.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 30.5% - 36.4% 30.5% - 36.9% N/A
Low Salary Employees Loan 30.0%-32.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 32.2% - 33.6% 32.2% - 33.6% N/A
Individual Loan Against Gold 24.0% annual, Decl Bal 2 Fees 0 Ins 16.00% fees N/A 25.1% - 26.1% 25.3% - 26.5% N/A
Individual Loan Against Cash/Near Cash 4.0%-20.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 4.6% - 25.2% 4.7% - 26.1% N/A
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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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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