2. Duterimbere
Please note that the information you are viewing is 147 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. RB Labason
Please note that the information you are viewing is 162 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Duterimbere - IMF B.P.6719KIGALIB.P. 6719
Data approved: 2011-09-16
Data version: 1
Age of data: -   months 
Choose version

Institution

Rural Bank of Labason, Inc. Rizal Ave. St. AntoninoNational Highway, PoblacionLabason, Zamboanga del Norte/Region IX7117
Data approved: 2011-11-15
Data version: 1
Age of data: 162 months

Product

Agriculture Loan Product 1 of 3 « Prev | Next »

Product

KUGI Product 1 of 1 « Prev | Next »

Product Summary

Number borrowers2,500
Loan Amount (range)RWF 500,000 - 2,500,000
Loan Term (range)12
Other Services (text summary)
Annual Interest & Method24.00%-0.00% annual, Flat
Fees
Insurance
Tax
Comp Dep
Range of pricing 
Interest Price ComponentN/A
Fee Component31.2% - 33.3% (Int+Fee)
Insurance Component0 - 0.7%
Tax Component Range0.1% - 40.8%
Full APR (int fee ins tax dep)43.6% - 47.0%
Transparency Index (min/max)17 - 57
Transparency Index (average)

Product Summary

524
PHP 5,000 - 150,000
1 - 10
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
30.0% annual, Flat
2.50% upfront 200.00 upfront
170.00-39,750.00 upfront
None
20.00% ongoing
 
N/A
58.8% - 82.0% (Int+Fee)
4.9% - 13.5%
0
64.0% - 97.7%
31 - 47
39

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 392,834,823
Portfolio (USD)USD 665,822
Active Clients with Loans2,500
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Ce type de cr?dit est destin? aux clients n'ayant pas des garanties mat?riel. il finance l'agri ?levage. \r
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
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
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 (PHP)PHP 12,118,482
Portfolio (USD)USD 289,915.84
Active Clients with Loans524
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
PAHULAM SA GAGMAYNG NEGOSYANTE (Micro Business Loan) - KUGI LOAN is offered to micro-entrepreneurs engaged in various microentrepreneurial activities
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
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 groupx
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
CurrencyRWF
Minimum loan sizeRWF 500,000
Maximum loan size2,500,000
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 lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
Grace Period
Grace period usage100%
Average grace period6.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 5,000
Maximum loan size150,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term10.0 months
Approx average6.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Dailyx
Weeklyx
Every 2 weeksx
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 interest2.00%
Highest quoted nominal interest2.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
Descriptioncommission fee
% of loan amount - min1.00%
% of loan amount - max1.00%
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
This product has no upfront insurance fees
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 deposited20.00% - N/A
or, Fixed-amount deposited0 - N/A
Deposits DURING period payments
% loan amount deposited5.00% - N/A
or, Fixed-amount deposited0 - N/A
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A

Pricing Information

Interest
Lowest quoted nominal interest30.00%
Highest quoted nominal interest30.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionService Charge + Processing FeeNotarial Fee
% of loan amount - min2.50%0
% of loan amount - max2.50%0
OR, Fixed amount - min0200
Fixed amount - max0200
Reason for variationN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min170
Fixed amount - max39,750
Reason for variationN/A
Appears on Repayment Sched?No
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?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited20.00%
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid1.00%
Maximum interest rate paid1.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No
Additional Comments
(1) Credit Insurance = [(Principal x 3% x term in days/36 days) + Principal] x 1.5% ; \r(2) Savings = 2% of Principal/Term in days

Full Pricing Data

Agriculture Loan samples
Sample 1Sample 2Sample 3
Loan AmountRWF 500,000RWF 900,000RWF 2,000,000
Loan Cycle (1, 2, 3, etc)135
Disbursement Date2011-11-182012-03-082012-03-08
Loan Term (Months)12.0 months12.0 months12.0 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 Component31.2%33.3%33.3%
Insurance Component0.0%0.0%0.0%
Tax Component0.3%0.3%0.3%
Deposit Component12.2%13.3%13.3%
Full APR (int fee ins tax dep)43.6%47.0%47.0%
Transparency Index555151
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

KUGI samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountPHP 7,000PHP 15,000PHP 30,000PHP 50,000PHP 100,000PHP 120,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-05-062011-06-032011-07-012011-06-242011-05-312011-05-17
Loan Term (Months)6.1 months6.1 months3.0 months6.1 months10.0 months10.0 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 Component78.8%72.2%82.0%68.2%58.8%58.8%
Insurance Component7.7%7.6%13.5%7.5%4.9%4.9%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component2.0%2.4%2.3%1.8%0.3%0.3%
Full APR (int fee ins tax dep)88.6%82.1%97.7%77.4%64.0%64.0%
Transparency Index343731394747
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Agriculture Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeBusinessLoan PurposeDuterimbereInstitutionRW-006-V01-P01ProductRWCountry2011YearRange Number1Institution Data Version0500,0001,000,0001,500,0002,000,000Loan Size (all)0%10%20%30%40%50%Full APR (int fee ins tax dep)> 70030040Number 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
KUGI Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.RurBankInstitution TypeBusinessLoan PurposeRB LabasonInstitutionPH-040-V01-P01ProductPHCountry2011YearRange Number1Institution Data Version020,00040,00060,00080,000100,000120,000Loan Size (all)0%20%40%60%80%100%Full APR (int fee ins tax dep)> 100506Number 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
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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