2. ACSI
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
  2. RBLI
Please note that the information you are viewing is 163 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: 162 months

Institution

Rural Bank of Liloy (ZN), Inc. BaybayLiloy, Zamboanga del Norte/ Region IX7115
Data approved: 2011-11-15
Data version: 1
Age of data: 163 months

Product

Group Loan - Installments Product 4 of 5 « Prev | Next »

Product

PMPK-GRASA Program Product 1 of 2 « Prev | Next »

Product Summary

Number borrowers129,504
Loan Amount (range)ETB 150 - 7,500
Loan Term (range)12 - 24
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins
Annual Interest & Method15.0% annual, Decl Bal
FeesNone
Insurance1.00%-1.20% upfront
TaxNone
Comp Dep3.0% upfront 1.00% ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component14.9% - 15.1% (Int+Fee)
Insurance Component0 - 1.9%
Tax Component Range0
Full APR (int fee ins tax dep)17.0% - 17.9%
Transparency Index (min/max)73 - 100
Transparency Index (average)85

Product Summary

4,036
PHP 2,000 - 50,000
3 - 12
Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training
30.0% annual, Flat
5.00% upfront
10.00 ongoing
1.00% loan amt
50.00 ongoing
 
N/A
82.9% - 83.0% (Int+Fee)
2.8% - 30.8%
0.8% - 4.9%
93.2% - 165.2%
18 - 32
26

Product Details

Key Statistics
Outstanding portfolio (ETB)ETB 305,698,416
Portfolio (USD)USD 16,614,044.35
Active Clients with Loans129,504
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
This is a loan for both rural and urban groups of borrowers. It is paid in installments.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
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 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 16,439,719.35
Portfolio (USD)USD 393,294.72
Active Clients with Loans4,036
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
OtherSemi-individual/ASA Methodology
Description
Offer accessible and affordable credit assistance to poor families in Zamboanga Peninsula who are willing to improve their lives. This program is primariliy for poor women/wives willing to submit to the regulations of the program.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other trainingx
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
Other2 years resident in area, Must pass Means Test
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 150
Maximum loan size7,500
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term24.0 months
Approx average12.0 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 2,000
Maximum loan size50,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average6.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
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 interest15.00%
Highest quoted nominal interest15.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Life Insurance
% of loan amount - min1.00%
% of loan amount - max1.20%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation1% for loans <24 months. 1.2% for loans >24 months
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?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited3.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited1.00%
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
Interest compounded every 6 months.

Pricing Information

Interest
Lowest quoted nominal interest2.50%
Highest quoted nominal interest2.50%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionService Charge
% of loan amount - min5.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionMutual Fund
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min10
Fixed amount - max10
Reason for variationN/A
Appears on Repayment Sched?Yes
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 deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 50
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid2.00%
Maximum interest rate paid2.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A

Full Pricing Data

Group Loan - Installments samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountETB 1,000ETB 2,000ETB 4,000ETB 7,500
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-09-242011-03-292011-02-192011-09-29
Loan Term (Months)12.0 months12.0 months12.0 months24.0 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 Component15.0%14.9%15.1%15.0%
Insurance Component1.9%1.9%1.9%1.2%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.8%0.8%0.8%0.8%
Full APR (int fee ins tax dep)17.7%17.6%17.9%17.0%
Transparency Index85858488
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

PMPK-GRASA Program samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 3,000PHP 8,000PHP 15,000PHP 33,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-01-252011-03-022011-07-072011-06-30
Loan Term (Months)5.6 months5.6 months5.6 months5.6 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 Component83.0%83.0%82.9%82.9%
Insurance Component30.8%11.7%6.3%2.8%
Tax Component4.9%4.8%4.8%4.8%
Deposit Component46.5%12.9%6.2%2.7%
Full APR (int fee ins tax dep)165.2%112.4%100.1%93.2%
Transparency Index18273032
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Group Loan - Installments Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeAnyLoan PurposeACSIInstitutionET-002-V01-P04ProductETCountry2011YearRange Number1Institution Data Version02,0004,0006,0008,000Loan Size (all)0%5%10%15%Full APR (int fee ins tax dep)> 64,00048,00032,00016,0001,700Number 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
PMPK-GRASA Program Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.RurBankInstitution TypeBusinessLoan PurposeRBLIInstitutionPH-041-V01-P01ProductPHCountry2011YearRange Number1Institution Data Version010,00020,00030,000Loan Size (all)0%50%100%150%Full APR (int fee ins tax dep)> 1,20090060030030Number 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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X Axis
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Total Borrrowers of Samples
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By Country

Total Borrowers of Samples

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