2. ACSI
Please note that the information you are viewing is 161 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Valient
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

Amhara Credit and Savings Institution (ACSI) Head OfficeGonder road Kebele 10Bahir Dar, AmharaP O Box 417
Data approved: 2011-12-23
Data version: 1
Age of data: 161 months

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: 162 months

Product

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Product

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Product Summary

Number borrowers23,590
Loan Amount (range)ETB 1,000 - 15,000
Loan Term (range)12 - 36
Other Services (text summary)
Annual Interest & Method10.0%-13.0% annual, Decl Bal
Feesupfront
InsuranceNone
TaxNone
Comp Dep5.0% upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component12.9% - 13.0% (Int+Fee)
Insurance Component0 - 1.9%
Tax Component Range0
Full APR (int fee ins tax dep)13.7% - 13.8%
Transparency Index (min/max)73 - 100
Transparency Index (average)73

Product Summary

858
PHP 5,000 - 150,000
2 - 6
Credit Ins
36.0% annual, Flat
3.00% upfront
15.00-1,050.00 upfront
None
N/A
 
N/A
70.8% - 90.9% (Int+Fee)
2.8% - 3.4%
1.0% - 1.1%
81.8% - 149.9%
24 - 47
40

Product Details

Key Statistics
Outstanding portfolio (ETB)ETB 120,624,731
Portfolio (USD)USD 6,555,691.90
Active Clients with Loans23,590
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This is for government and non-government employees i.e. salaried workers
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loanx
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 business
Must own a home or land
Must be a salaried workerx
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 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
CurrencyETB
Minimum loan sizeETB 1,000
Maximum loan size15,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term36.0 months
Approx average36.0 months
Grace Period
Grace period usage0
Average grace period0
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

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 interest10.00%
Highest quoted nominal interest13.00%
Reason(s) why interest rate variesDue to loan term- 12 month is 10% plus 3% commission, and above 12 months is 13% but with no commission
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCommission Fee
% of loan amount - min0
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationLoans 12months or less charged 3%. No fee for loans over 12 months
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?Yes
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 depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid5.00%
Maximum interest rate paid5.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No
Additional Comments
Savings interest is compounded six monthly

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

Asset Loan samples
Sample 1Sample 2Sample 3
Loan AmountETB 8,500ETB 12,000ETB 15,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-08-052011-06-062011-07-15
Loan Term (Months)36.0 months36.0 months36.0 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 Component13.0%13.0%12.9%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.8%0.8%0.8%
Full APR (int fee ins tax dep)13.8%13.8%13.7%
Transparency Index737373
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

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
Asset Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeMultipleLoan PurposeACSIInstitutionET-002-V01-P01ProductETCountry2011YearRange Number1Institution Data Version05,00010,00015,000Loan Size (all)0%5%10%15%Full APR (int fee ins tax dep)> 7,0005,3003,5001,700100Number 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
LEADS ME Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.RurBankInstitution TypeBusinessLoan PurposeValientInstitutionPH-047-V01-P02ProductPHCountry2011YearRange Number1Institution Data Version050,000100,000150,000Loan Size (all)0%50%100%150%Full APR (int fee ins tax dep)> 1008010Number 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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