2. TSPI
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  2. GBTI
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Institution

Tulay sa Pag-unlad, Inc. 2363 Antipolo St.Makati1212
Data approved: 2011-11-15
Data version: 1
Age of data: 163 months

Institution

Ghazi Barotha Taraqiati Idara Ghazi Barotha Taraqiati Idara of G.T Road HattianNear Bloom Field Hall School HattianAttock, Punjab43600
Data approved: 2013-11-12
Data version: 1
Age of data: 136 months

Product

TSPI Maunlad Program Product 6 of 7 « Prev | Next »

Product

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Product Summary

Number borrowers92
Loan Amount (range)PHP 30,000 - 150,000
Loan Term (range)6 - 24
Other Services (text summary)Credit Ins, Business Training
Annual Interest & Method28.8%-36.0% annual, Flat
Fees1.50%-3.00% upfront
Insurance32.00% upfront 240.00 upfront
TaxNone
Comp Dep10.0% upfront 100.00 ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component47.2% - 69.4% (Int+Fee)
Insurance Component0 - 13.8%
Tax Component Range0
Full APR (int fee ins tax dep)65.1% - 89.7%
Transparency Index (min/max)32 - 95
Transparency Index (average)35

Product Summary

1,520
PKR 5,000 - 32,000
12
Group Mtgs, Credit Ins, Tech Asst Visits
28.0% annual, Decl Bal
400.00 upfront
200.00 upfront
None
N/A
 
27.2% - 27.9%
3.1% - 8.0%
1.6% - 4.2%
0
32.6% - 40.1%
0 - N/A
N/A

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 4,274,666.40
Portfolio (USD)USD 102,264.75
Active Clients with Loans92
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
The TSPI Maunlad Program is an individual loan product primarily designed to meet the expanding credit needs of successful and loyal clients of TSPI. It is offered to clients who can guarentee their loan through either a co-borrower or collateral
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 insurancex
Workplace visits
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 group
OtherMust have colateral or a co-borrower
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 16,397,909
Portfolio (USD)USD 167,325.60
Active Clients with Loans1,520
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
To enable the poor rural community to increase their house hold income by managing livestock for breeding and milk production.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loanx
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visitsx
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 groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product2
Regions ActiveKhyber Pakhtunkwa, Punjab

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 30,000
Maximum loan size150,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term24.0 months
Approx average12.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
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 5,000
Maximum loan size32,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0005%
PKR 10,000-25,00090%
PKR 25,000-50,0005%
PKR 50,000-75,0000
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 usage100%
Average grace period7 days
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

Pricing Information

Interest
Lowest quoted nominal interest2.40%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesOn time payment
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionEncumberance Fee
% of loan amount - min1.50%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1Ins 2
DescriptionGrepalife MRIMBA Credit Life
% of loan amount - min32.00%0
% of loan amount - max32.00%0
OR, Fixed amount - min0240
Fixed amount - max0240
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
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?
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 100
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 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 Fee
% 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
DescriptionCommunity Health Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min200
Fixed amount - max200
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

Full Pricing Data

TSPI Maunlad Program samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 30,000PHP 60,000PHP 80,000PHP 100,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-05-302009-08-202011-04-262011-05-30
Loan Term (Months)6.0 months24.0 months11.2 months11.2 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 Component63.1%47.2%69.4%69.3%
Insurance Component3.8%1.8%2.8%2.5%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component18.2%16.2%17.2%17.9%
Full APR (int fee ins tax dep)85.0%65.1%89.4%89.7%
Transparency Index34443232
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Livestock samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPKR 10,000PKR 15,000PKR 20,000PKR 25,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2014-02-072014-02-012014-01-202014-02-01
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)-0.1 months-0.1 months0.0 months-0.1 months
Total Cost of CreditPKR 2,182PKR 2,970PKR 3,693PKR 4,552
True Price by Comp       
Interest price component27.9%27.9%27.2%27.9%
Fee Component8.0%5.3%3.9%3.1%
Insurance Component4.2%2.7%2.0%1.6%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)40.1%35.9%33.1%32.6%
Transparency IndexN/AN/AN/AN/A
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
TSPI Maunlad Program Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeTSPIInstitutionPH-046-V01-P06ProductPHCountry2011YearRange Number1Institution Data Version020,00040,00060,00080,000100,000Loan Size (all)0%20%40%60%80%Full APR (int fee ins tax dep)> 1091Number 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
Livestock Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeConsumerLoan PurposeGBTIInstitutionPK-009-V01-P02ProductPKCountry2013YearRange Number1Institution Data Version05,00010,00015,00020,00025,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 100708Number 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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