Taytay Sa Kauswagan, Inc. - PKK - MFTransparency.org Truth In Lending Tables

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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: 160 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (PHP)	PHP 883,407,050
Portfolio (USD)	USD 21,134,139.95
Active Clients with Loans	206,618
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	20% - 40%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other	Co-makership of up to 2 co-makers

Description

Modified Grameen Village Banking Model. Field Officer meets the clients in group. Accountability is through co-makership

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance	x
Other
Other (2)

Included Services

Credit education
Group meetings	x
Credit insurance	x
Workplace visits
Business training	x
Other training
Other
Other (2)
No other services

Eligibility

Men
Women	x
Must run a business	x
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 institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	PHP
Minimum loan size	PHP 3,000
Maximum loan size	15,000

Loan Term and Grace Period

Shortest loan term	6.0 months
Longest loan term	6.0 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

Pricing Information

Interest

Lowest quoted nominal interest	0.80%
Highest quoted nominal interest	0.80%
Reason(s) why interest rate varies	Time as Client, Client Risk
Interest rate period	Weekly
Interest Rate Calculation Method	Flat
Subsidized by funder request?
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Service charge
% of loan amount - min	4.00%
% of loan amount - max	4.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation
Appears on Repayment Sched?	Yes

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	MicroEnsure
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	75
Fixed amount - max	744
Reason for variation	N/A
Appears on Repayment Sched?	No

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?	Yes
Do borrowers control deposit in their group?	Yes

Deposit BEFORE or AT Disbursement

% loan amount deposited	0
or, Fixed-amount deposited	PHP 150

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	PHP 1,500
Conditions on access to deposit	Access During

Interest Paid on Deposit

Minimum interest rate paid	2.00%
Maximum interest rate paid	2.00%
Interest payment frequency	End Term

Taxes

Are taxes charged on this product?	Yes
Percentage of fees	0
All or some fees taxed	N/A

Full Pricing Data

PKK samples

	Sample 1	Sample 2	Sample 3
Loan Amount	PHP 3,000	PHP 7,000	PHP 15,000
Loan Cycle (1, 2, 3, etc)	1	7	13
Disbursement Date	2011-06-30	2011-03-25	2011-04-25
Loan Term (Months)	5.8 months	5.8 months	5.8 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	82.0%	71.0%	87.1%
Insurance Component	8.7%	8.1%	9.3%
Tax Component	1.1%	1.0%	1.2%
Deposit Component	65.3%	16.9%	10.2%
Full APR (int fee ins tax dep)	157.2%	97.0%	107.8%
Transparency Index	26	43	39

Original Repayment Schedule	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF

PKK Price Graphs

Click to view Price Analysis Tool

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
Adhikar	35,300	2,674,000	1	140
AMPL	0	0	0	140
Arman	41,500	529,107,000	1	140
Arohan	43,500	8,091,000	2	140
ASA INDIA	164,000	15,380,000	1	140
Asirvad	113,500	19,328,000	1	140
Asmitha	1,114,800	217,867,000	1	140
Bandhan	4,048,600	674,564,000	5	140
Belstar	123,000	23,945,000	2	119
BSFL	275,200	31,590,000	3	140
Chaitanya	20,700	3,748,000	3	140
Disha Microfin	69,000	14,332,000	2	140
Equitas	1,220,000	186,415,000	4	140
ESAF	354,200	43,500,000	5	140
FFSL	150,600	35,719,000	2	140
Fusion	66,800	9,820,000	2	140
Grama Vidiyal	738,200	102,101,000	1	140
Grameen Koota	586,600	83,555,000	15	142
Janalakshmi	506,000	119,077,000	2	140
L & T Finance	399,800	37,199,000	1	140
MFL	331,800	49,083,000	1	140
MMFL	175,000	23,752,000	2	140
Mpower	13,600	2,263,000	2	140
Sahayata	0	0	0	140
Saija	24,700	4,682,000	2	140
Samasta	45,500	4,809,000	2	140
Satin	405,600	90,174,000	2	140
SCCI	115,600	15,910,000	2	140
Share	2,195,400	376,727,000	1	140
SKS	3,409,000	355,029,000	2	140
SMILE	360,200	56,927,000	1	140
SNFL	9,400	1,779,000	1	140
Sonata Finance	158,200	22,724,000	3	142
Spandana	533,400	147,240,000	2	140
Suryoday	78,600	14,713,000	3	140
SVCL	118,200	18,886,000	1	140
Swadhaar	92,800	17,166,000	3	140
Trident	68,700	8,852,000	1	140
Ujjivan	913,300	160,848,000	5	140
Utkarsh	168,600	25,915,000	3	140
VFS	175,400	19,264,000	2	140
Asomi	50,300	4,743,000	2	173
AES India	3,600	286,000	1	173
Arth	2,900	611,000	2	173
Asomi	50,300	4,743,000	2	173
Barasat GS	1,100	99,508.02	1	173
BJS	6,000	468,000	1	173
Cashpor	417,000	50,452,000	1	172
Credible	10,000	1,669,540.36	2	173
DIBAKAR	1,800	145,000	1	172
GOF	65,200	5,388,000	4	172
Hope	62,600	4,407,000	1	170
Jaago	2,700	237,000	1	171
LOK	4,900	573,000	1	172
Nano	25,600	3,660,000	2	173
NBSAAVS	28,100	2,821,000	1	170
Nirantara	8,200	917,000	2	172
Parama	7,100	482,000	1	172
Pragathi	26,200	4,579,000	6	172
PWMACS	36,500	5,946,000	1	172
Saadhana	90,900	12,046,000	2	172
Sambhav	1,500	183,000	3	172
Seba Rahara	6,700	468,000	1	172
SU	61,100	5,498,000	1	172
Swayanshree	7,900	918,000	2	172
Vikas Samiti	1,600	168,000	1	172
Vistaar	4,300	1,157,000	2	170
We The People	1,100	244,000	2	172
WEMCS	1,100	85,000	1	172
Yukti	1,100	99,000	2	172

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

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


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By Country

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