Loan Conditions

Loan Amount

Currency	PHP
Minimum loan size	PHP 5,000
Maximum loan size	25,000

Loan Term and Grace Period

Shortest loan term	3.7 months
Longest loan term	12.1 months
Approx average	6.0 months

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

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

Loan Conditions

Loan Amount

Currency	KHR
Minimum loan size	KHR 50,000
Maximum loan size	1,200,000

Distribution at Disbursement (Est.)

Loans less than KHR 1,000,000	10%
KHR 1,000,000-3,500,000	90%
KHR 3,500,000-6,000,000	0
KHR 6,000,000-8,000,000	0
KHR 8,000,000-10,000,000	0
Greater than KHR 10,000,000	0

Loan Term and Grace Period

Shortest loan term	4.0 months
Longest loan term	12.0 months
Approx average	11.0 months

Distribution at Disbursement (Est.)

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

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

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

Pricing Information

Interest

Upfront Fees

	Fee 1		Fee 2
Description	Service Fee		Filing Fee/Notarial Fee
% of loan amount - min	4.00%		0
% of loan amount - max	6.00%		0
OR, Fixed amount - min	0		130
Fixed amount - max	0		130
Reason for variation			N/A
Appears on Repayment Sched?	Yes		Yes

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1		Ins 2
Description	Basic Life Insurance (annual fee)		Loan Insurance
% of loan amount - min	0		1.13%
% of loan amount - max	0		1.13%
OR, Fixed amount - min	182.50		0
Fixed amount - max	182.50		0
Reason for variation	N/A		N/A
Appears on Repayment Sched?	Yes		Yes

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?	Yes

Deposit BEFORE or AT Disbursement

% loan amount deposited	3.00%
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	PHP 20
Conditions on access to deposit	Access During

Interest Paid on Deposit

Minimum interest rate paid	4.50%
Maximum interest rate paid	4.50%
Interest payment frequency	Quarterly

Taxes

Are taxes charged on this product?

No

Additional Comments

Interest on savings is paid quarterly. Mortuary Fund and Basic Life Insurance are annual fees. P1 CBU is required on the first loan cycle. For weekly deposits, on first cycle, P1 savings and P1 for CBU. For each succeeding loan cycle, an additional P5. If there is no withdrawal, there is no maintaining balance. If with withdrawals, maintaining balance amount will vary based on loan amount.

Pricing Information

Interest

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 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

Cycle Loan Price Graphs

VSU-KHR Price Graphs