- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
ABT	25,400	37,378,000	2	126
AKIBA	26,900	36,852,000	4	139
BELITA	5,800	492,000	1	139
BRAC Tanzania	102,300	19,663,000	2	139
F & K Finance	0	38,000	1	161
FINCA Tanzania	78,400	31,517,000	3	122
FMFC	1,500	392,000	6	139
K-Finance Ltd	1,000	264,000	2	139
Mbinga	1,000	2,986,000	3	139
MCBL	3,600	2,837,000	6	139
MDF Tanzania	600	148,000	1	139
NMB	45,100	74,528,000	1	139
Opportunity	8,600	3,018,000	3	139
PRIDE Tanzania	104,400	33,321,000	3	139
PTF		-	N/A	139
Selfina	8,000	3,773,000	2	161
Tujijenge Tanzania	10,000	2,060,000	4	139
VF^Tanzania	34,390	7,613,000	4	133
Victoria	100	377,000	3	161
YOSEFO	17,100	2,211,000	3	161

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

Rangtay sa Pagrang-ay, Inc. 4th Floor Manongdo Bldg.17 Private Road, Magsaysay Ave.Baguio City2600

Data approved: 2011-11-15

Data version: 1

Age of data: 162 months

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Product

Agriculture Loan Product 1 of 4 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (PHP)	PHP 1,066,985.45
Portfolio (USD)	USD 25,525.97
Active Clients with Loans	123
Approximate % Female Clients	40% - 60%
Approximate % Urban Clients	0% - 20%

Methodology

Individual	x
Solidarity group	x
Village banking
Self help group
Other

Description

For additional farm inputs offered to existing and new clients

Loan Purpose

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

Included Services

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

Eligibility

Men	x
Women	x
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Other	Engaged in farming activities
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 5,000
Maximum loan size	50,000

Loan Term and Grace Period

Shortest loan term	4.0 months
Longest loan term	4.0 months
Approx average	4.0 months

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment	x
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	3.00%
Highest quoted nominal interest	3.00%
Interest rate period	Monthly
Interest Rate Calculation Method	Flat
Subsidized by funder request?
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Loan Service Fee
% of loan amount - min	3.00%
% of loan amount - max	3.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation
Appears on Repayment Sched?	No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Loan Redemption Fee
% of loan amount - min	2.00%
% of loan amount - max	2.00%
OR, Fixed amount - min	0
Fixed amount - max	0
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?

Deposit BEFORE or AT Disbursement

% loan amount deposited	5.00%
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	PHP 200
Conditions on access to deposit	End Term

Interest Paid on Deposit

Minimum interest rate paid	2.00%
Maximum interest rate paid	4.00%
Interest payment frequency	Quarterly

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Additional Comments

Life Insurance required only for those without general loan; Monthly repayment of interest and CBU, lump sum payment of principal at end of loan term. Quarterly payment of interest on savings (2% for 1st - 3rd loan cycle, 4% for 4th loan cycle up)

Full Pricing Data

Agriculture Loan samples

	Sample 1	Sample 2	Sample 3
Loan Amount	PHP 14,000	PHP 15,000	PHP 28,000
Loan Cycle (1, 2, 3, etc)	Not Known	20	6
Disbursement Date	2011-03-17	2011-02-18	2011-02-01
Loan Term (Months)	4.0 months	4.0 months	4.0 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	44.6%	45.8%	46.2%
Insurance Component	6.6%	6.8%	6.9%
Tax Component	0.0%	0.0%	0.0%
Deposit Component	3.7%	3.8%	3.3%
Full APR (int fee ins tax dep)	55.0%	56.5%	56.4%
Transparency Index	65	64	64

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

Agriculture Loan Price Graphs

Loan Size/Full APR

Loan Term/Full APR

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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

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


Avg
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By Country

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