2. Valient
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

Institution

Valiant Rural Bank (Iloilo City), Inc. 41-A Mabini StreetIloilo City, Iloilo/Region VI5000
Data approved: 2011-11-15
Data version: 1
Age of data: 158 months

Product

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Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 13,787,345
Portfolio (USD)USD 329,840.79
Active Clients with Loans858
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Microentrepreneur Product (MEP)
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 training
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
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 5,000
Maximum loan size150,000
Loan Term and Grace Period
Shortest loan term2.0 months
Longest loan term6.0 months
Approx average5.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
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 interest3.00%
Highest quoted nominal interest3.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionService charge
% of loan amount - min3.00%
% 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 1
DescriptionLife Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min15
Fixed amount - max1,050
Reason for variation% Loan Amount: 2 mos =0.3%, 3 mos= 0.4%, 4 mos= 0.5%, 5 mos =0.6%, 6 mos =0.7%
Appears on Repayment Sched?No
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
Taxes: .5%(Loan Amt) x Term/12; Savings: 1 % of amortization

Full Pricing Data

LEADS ME samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountPHP 8,000PHP 15,000PHP 30,000PHP 60,000PHP 70,000PHP 150,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-09-092011-09-072011-09-222011-09-132011-09-152011-09-08
Loan Term (Months)3.7 months6.0 months6.0 months6.0 months4.0 months6.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component90.9%71.7%70.8%76.7%83.2%71.7%
Insurance Component3.4%2.8%2.8%3.0%3.1%2.8%
Tax Component1.1%1.0%1.0%1.1%1.0%1.0%
Deposit Component54.5%8.8%7.2%1.4%1.4%6.2%
Full APR (int fee ins tax dep)149.9%84.3%81.8%82.2%88.7%81.8%
Transparency Index244344444144
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
LEADS ME Price Graphs


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  2. GBTI
Please note that the information you are viewing is 131 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

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: 131 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.gbti.org.pk
Year established1995
Head of InstitutionMalik Fateh Khan
Regions activeKhyber Pakhtunkwa, Punjab
# Branches10

Total Portfolio (nat'l)PKR 65,643,629
Total Portfolio (USD)USD 669,832.95
Active clients with loans6,162
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsPakistan Microfinance Network (PMN)
FundersPakistan Poverty Alliviation Fund (PPAF), Water and Powe Development Authority (WAPDA)

Loan Products » Summary

Enterprise
4,633 Borrowers
USD 500,966.53 Portfolio
Active Product
Livestock
1,520 Borrowers
USD 167,325.60 Portfolio
Active Product
Agriculture
9 Borrowers
USD 1,540.82 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Enterprise PKR 5,000 - 32,000 12 80% - 100% 0% - 20% Business Women, Men, Specific age group Group Mtgs, Credit Ins, Tech Asst Visits
Livestock PKR 5,000 - 32,000 12 80% - 100% 0% - 20% Consumer Women, Men, Specific age group Group Mtgs, Credit Ins, Tech Asst Visits

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Enterprise 28.0% annual, Decl Bal 1 Fee 1 Ins None N/A 30.3% - 35.1% 31.9% - 39.2% N/A
Livestock 28.0% annual, Decl Bal 1 Fee 1 Ins None N/A 31% - 35.9% 32.6% - 40.1% N/A
Institution Price Graph
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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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