2. TSPI
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
  2. KREDIT
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Tulay sa Pag-unlad, Inc. 2363 Antipolo St.Makati1212
Data approved: 2011-11-15
Data version: 1
Age of data: 158 months

Institution

KREDIT Microfinance Institution Plc. #17, Street 163ChamkarmornPhnom Penh
Data approved: 2013-04-23
Data version: 3
Age of data: 139 months
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Product

Livestock Loan Product 3 of 7 « Prev | Next »

Product

ID-AGR-KHR Product 1 of 9 « Prev | Next »

Product Summary

Number borrowers10,443
Loan Amount (range)PHP 10,000 - 10,000
Loan Term (range)4.1
Other Services (text summary)Group Mtgs
Annual Interest & Method36.0% annual, Flat
FeesNone
Insurance10.00% ongoing
TaxNone
Comp Dep5.0% upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component36.2% (Int+Fee)
Insurance Component0 - 13.8%
Tax Component Range0
Full APR (int fee ins tax dep)37.9%
Transparency Index (min/max)32 - 95
Transparency Index (average)95

Product Summary

8,084
KHR 100,000 - 20,000,000
4 - 12
27.0%-36.0% annual, Decl Bal
None
None
None
N/A
 
21.7% - 36.1%
0 - 0.8%
0
0
25.6% - 36.0%
65 - 107
86

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 89,428,379.10
Portfolio (USD)USD 2,139,434.91
Active Clients with Loans10,443
Approximate % Female Clients80% - 100%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
This product is offerd to existing TKP members to finance the purchase of livestock. The loan is designed to include a lump sum payment once the animal has been sold.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherPurchase of livestock
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherMust be a member of TSPI Kabuhayan Program
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 (KHR)KHR 20,368,240,515
Portfolio (USD)USD 5,156,516.59
Active Clients with Loans8,084
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
ID-AGR-KHR product is an option for client who invests or develops their agriculture activities by using loan in KHR.
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 businessx
Must own a home or landx
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 institution12
# Regions for this product12
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampot, KandalKratié, Prey VengSiem Reap, Svay Rieng, Takéo

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 10,000
Maximum loan size10,000
Loan Term and Grace Period
Shortest loan term4.1 months
Longest loan term4.1 months
Approx average4.1 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 100,000
Maximum loan size20,000,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,0005%
KHR 1,000,000-3,500,00060%
KHR 3,500,000-6,000,00015%
KHR 6,000,000-8,000,00010%
KHR 8,000,000-10,000,0005%
Greater than KHR 10,000,0005%
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term12.0 months
Approx average11.5 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months90%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeksx
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest3.00%
Highest quoted nominal interest3.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
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
Ins 1
DescriptionLife Insurance
% of loan amount - min10.00%
% of loan amount - max10.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited5.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid5.00%
Maximum interest rate paid5.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest2.25%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
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 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

Full Pricing Data

Livestock Loan samples
Sample 1Sample 2Sample 3
Loan AmountPHP 10,000PHP 10,000PHP 10,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-03-092011-03-142011-03-14
Loan Term (Months)4.0 months4.0 months4.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component36.2%36.2%36.2%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component1.7%1.7%1.7%
Full APR (int fee ins tax dep)37.9%37.9%37.9%
Transparency Index959595
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

ID-AGR-KHR samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountKHR 200,000KHR 700,000KHR 1,300,000KHR 2,600,000KHR 7,500,000KHR 12,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-202013-03-062013-02-222013-02-142013-03-262013-02-21
Loan Term (Months)8.0 months10.0 months12.0 months10.0 months12.0 months12.0 months
Grace Period (Months)6.7 months9.4 months11.5 months9.2 months11.0 months10.9 months
Total Cost of CreditKHR 46,200KHR 211,797KHR 469,993KHR 740,134KHR 2,064,250KHR 3,560,000
True Price by Comp           
Interest price component36.0%34.8%34.8%30.9%25.6%27.7%
Fee Component0.0%0.0%0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)36.0%34.8%34.8%30.9%25.6%27.7%
Transparency Index7578788710098
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Livestock Loan Price Graphs


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ID-AGR-KHR Price Graphs


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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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