2. TSKI
Please note that the information you are viewing is 163 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. NRSP
Please note that the information you are viewing is 118 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Taytay Sa Kauswagan, Inc. A & L Building, E. Lopez SreetJaroIloilo City, Iloilo/Region VI5000
Data approved: 2011-11-15
Data version: 1
Age of data: 163 months

Institution

NATIONAL RURAL SUPPORT PROGRAM 46, Aga Khan Road, F-6/4Islamabad44000
Data approved: 2015-04-17
Data version: 1
Age of data: 118 months

Product

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Product

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Product Summary

Number borrowers6,341
Loan Amount (range)PHP 10,000 - 50,000
Loan Term (range)3 - 6
Other Services (text summary)Credit Ins, Business Training, Other Training
Annual Interest & Method30.0% annual, Flat
Fees100.00 upfront 4.00% upfront
Insurance75.00-469.00 upfront
Tax0.25% loan amt
Comp Dep10.00% ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component49.2% - 61.2% (Int+Fee)
Insurance Component7.9% - 9.5%
Tax Component Range1.0% - 2.0%
Full APR (int fee ins tax dep)63.0% - 79.0%
Transparency Index (min/max)26 - 48
Transparency Index (average)42

Product Summary

191,998
PKR 15,000 - 70,000
12
28.0% annual, Decl Bal
400.00 upfront
100.00 upfront
None
N/A
 
27.7% - 27.8%
0.9% - 7.1%
0.2% - 1.8%
0
29.1% - 32.6%
76 - 97
91

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 169,434,204
Portfolio (USD)USD 4,053,449.86
Active Clients with Loans6,341
Approximate % Female Clients60% - 80%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Individual Loan
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household financex
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business trainingx
Other trainingx
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 group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 2,857,472,008
Portfolio (USD)USD 28,060,375.12
Active Clients with Loans191,998
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0
Methodology
Individual
Solidarity group
Village banking
Self help group
Other
Description
The loan is provided for working capital for running small businesses, such as grocery, repair shops, micro labour intensive production units such as handicrafts/decoration, services such as computer/internet kiosk etc
Loan Purpose
Any purpose
Income generationx
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 servicesx
Eligibility
Menx
Womenx
Must run a business
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 institution6
# Regions for this product4
Regions ActiveAzad Kashmir, Islambad Capital Territory, Punjab, Sindh

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 10,000
Maximum loan size50,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term6.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 15,000
Maximum loan size70,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00020%
PKR 25,000-50,00060%
PKR 50,000-75,00020%
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly1
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.50%
Highest quoted nominal interest2.50%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionNotarial FeeService Charge
% of loan amount - min04.00%
% of loan amount - max04.00%
OR, Fixed amount - min1000
Fixed amount - max1000
Reason for variationN/A
Appears on Repayment Sched?YesYes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionMicroEnsure
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min75
Fixed amount - max469
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited10.00%
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid2.00%
Maximum interest rate paid2.00%
Interest payment frequencyEnd Term
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A

Pricing Information

Interest
Lowest quoted nominal interest28.00%
Highest quoted nominal interest28.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing/Documentation Charges
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min400
Fixed amount - max400
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Charges
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min100
Fixed amount - max100
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/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 depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
Minimum loan period and loan amount is not Fixed in the policy. The same reported above is actual for the current year.

Full Pricing Data

OKEY samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 15,000PHP 15,000PHP 30,000PHP 30,000
Loan Cycle (1, 2, 3, etc)3131
Disbursement Date2011-05-312011-06-272011-06-302011-07-29
Loan Term (Months)3.0 months3.0 months3.0 months3.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component61.2%59.9%49.2%52.9%
Insurance Component9.5%9.3%7.9%8.5%
Tax Component2.0%2.0%1.7%1.8%
Deposit Component6.4%6.1%4.3%5.0%
Full APR (int fee ins tax dep)79.0%77.2%63.0%68.2%
Transparency Index38394844
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Enterprise Development samples
Type of Sample
Grace Period (Months)
Full APR (int fee ins tax dep)
True Price by Component
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 25,000 Real 2014-09-04 12.0 months N/A PKR 4,452 31.7% 27.8% 3.1% 0.8% 0.0% 0.0% 88 PDF PDF
PKR 25,000 Generated 2015-06-01 12.0 months N/A PKR 4,461.99 31.6% 27.7% 3.1% 0.8% 0.0% 0.0% 89 - PDF
PKR 50,000 Real 2014-12-12 12.0 months N/A PKR 8,404 29.7% 27.7% 1.6% 0.4% 0.0% 0.0% 94 PDF PDF
PKR 50,000 Generated 2015-06-01 12.0 months N/A PKR 8,423.97 29.6% 27.7% 1.5% 0.4% 0.0% 0.0% 95 - PDF
PKR 20,000 Generated 2015-06-01 12.0 months N/A PKR 3,669.59 32.6% 27.7% 3.9% 1.0% 0.0% 0.0% 86 - PDF
PKR 30,000 Generated 2015-06-01 12.0 months N/A PKR 5,254.38 30.9% 27.7% 2.6% 0.6% 0.0% 0.0% 91 - PDF
PKR 35,000 Generated 2015-06-01 12.0 months N/A PKR 6,046.78 30.5% 27.7% 2.2% 0.6% 0.0% 0.0% 92 - PDF
PKR 40,000 Generated 2015-06-01 12.0 months N/A PKR 6,839.18 30.1% 27.7% 1.9% 0.5% 0.0% 0.0% 93 - PDF
PKR 45,000 Generated 2015-06-01 12.0 months N/A PKR 7,631.57 29.8% 27.7% 1.7% 0.4% 0.0% 0.0% 94 - PDF
PKR 70,000 Generated 2015-06-01 12.0 months N/A PKR 11,593.56 29.1% 27.7% 1.1% 0.3% 0.0% 0.0% 96 - PDF
OKEY Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeMultipleLoan PurposeTSKIInstitutionPH-045-V01-P01ProductPHCountry2011YearRange Number1Institution Data Version05,00010,00015,00020,00025,00030,000Loan Size (all)0%20%40%60%80%Full APR (int fee ins tax dep)> 1,9001,40090040050Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Click to view Price Analysis Tool
Enterprise Development Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeNRSPInstitutionPK-015-V01-P03ProductPKCountry2015YearRange Number1Institution Data Version020,00040,00060,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 110,00086,00057,00028,0003,200Number of Borrowers
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
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