2. ASHI
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

Ahon sa Hirap, Inc. 76 8th AvenueCubaoQuezon City1109
Data approved: 2011-11-15
Data version: 1
Age of data: 163 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.ashi.org.ph/
Year established1991
Head of InstitutionMila Mercado-Bunker
Regions active
# Branches21

Total Portfolio (nat'l)PhP 238,006,978
Total Portfolio (USD)USD 5,693,946.84
Active clients with loans31,322
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsMicrofinance Council of the Philippines, Social Performance Taskforce, Social Performance Network, Grameen Global Network
FundersTRIAS, PCFC, Peace & Equity Foundation, KIVA

Loan Products » Summary

Center Loan
204 Borrowers
USD 8,356.98 Portfolio
Active Product
Education
3,590 Borrowers
USD 369,189.07 Portfolio
Active Product
General
19,732 Borrowers
USD 3,499,289.83 Portfolio
Active Product
Group
3,228 Borrowers
USD 505,472.85 Portfolio
Active Product
House Repair
8,000 Borrowers
USD 801,853.97 Portfolio
Active Product
Recovery
660 Borrowers
USD 47,454.43 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Center Loan PHP 1,000 - 50,000 6 - 24 80% - 100% 20% - 40% Other, Payment of past due of willful member Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Educational Loan PHP 3,000 - 20,000 6 - 24 80% - 100% 20% - 40% Education Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
General Loan PHP 3,000 - 50,000 6 - 24 80% - 100% 20% - 40% Business Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Life Insurance
Group Fund Loan PHP 700 - 49,000 2 - 6 80% - 100% 20% - 40% Other Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
House Repair Loan PHP 3,000 - 20,000 6 - 24 80% - 100% 20% - 40% Housing Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Recovery Loan PHP 3,000 - 3,000 6 80% - 100% 20% - 40% Business Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Center Loan 25.0% annual, Flat 0 Fees 0 Ins None N/A 33.1% - 44.3% 33.1% - 44.3% 65
Educational Loan 25.0% annual, Flat 0 Fees 0 Ins None N/A 47.3% - 48.4% 47.3% - 48.4% 52
General Loan 25.0% annual, Flat 1 Fee 2 Ins None 5.00 upfront 5.00 ongoing 70.1% 72.1% - 106.2% 31
Group Fund Loan 0.0% annual, Flat 1 Fee 0 Ins None N/A 17.3% - 19.8% 17.3% - 40.9% 0
House Repair Loan 25.0% annual, Flat 0 Fees 0 Ins None N/A 47.3% - 47.6% 47.3% - 47.6% 53
Recovery Loan 25.0% annual, Flat 0 Fees 0 Ins None None 47.3% - 48.4% 47.3% - 48.4% 52
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessEducationEmergencyHousingLoan PurposeASHIInstitutionPH-004-V01-P01PH-004-V01-P02PH-004-V01-P03PH-004-V01-P04PH-004-V01-P05PH-004-V01-P06ProductPHCountry2011YearRange Number1Institution Data Version010,00020,00030,000Loan Size (all)0%50%100%Full APR (int fee ins tax dep)> 5,9004,4002,9001,400100Number 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.
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  2. ProCredit
Please note that the information you are viewing is 146 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Banco ProCredit Av. Zedequias Manganhela N?? 267P.O. Box 1636Maputo, Maputo
Data approved: 2012-01-21
Data version: 1
Age of data: -   months 
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Product

Housing Loan Product 2 of 2 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (MZN)MZN 19,738,696
Portfolio (USD)USD 636,732
Active Clients with Loans781
Approximate % Female Clients20% - 40%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
The main purpose of this loan is to improve, expand or complete the construction of homes.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
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 landx
Must be a salaried worker
Must be specific age group
OtherMust have collateral
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
CurrencyMZN
Minimum loan sizeMZN 40,000
Maximum loan size75,000
Loan Term and Grace Period
Shortest loan term9.0 months
Longest loan term18.0 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 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

Pricing Information

Interest
Lowest quoted nominal interest3.25%
Highest quoted nominal interest3.25%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionDisbursement fee
% of loan amount - min2.00%
% of loan amount - max2.00%
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 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

Full Pricing Data

Housing Loan samples
Sample 1Sample 2Sample 3
Loan AmountMZN 40,000MZN 42,500MZN 44,000
Loan Cycle (1, 2, 3, etc)311
Disbursement Date2011-06-202011-06-202011-06-17
Loan Term (Months)N/AN/AN/A
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee ComponentDKDKDK
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)DKDKDK
Transparency Index-1-1-1
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Housing Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.BankInstitution TypeHousingLoan PurposeProCreditInstitutionMZ-006-V01-P02ProductMZCountry2012YearRange Number1Institution Data Version010,00020,00030,00040,000Loan Size (all)Full APR (int fee ins tax dep)> 1009010Number 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.
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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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