2. ASKI
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  2. PRASAC
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Institution

Alalay sa Kaunlaran, Inc. 105 Maharlika HighwayCabanatuan, Nueva Ecija3100
Data approved: 2011-11-15
Data version: 1
Age of data: 163 months

Institution

PRASAC #25, St 294 & 57, Boeung Kengkang1ChamkarmonPhnom Penh, Phnom Penh2224
Data approved: 2011-02-03
Data version: 2
Age of data: -   months 
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.aski.com.ph/
Year established1987
Head of InstitutionRolando B. Victoria
Regions active
# Branches38

Total Portfolio (nat'l)PhP 637,364,356
Total Portfolio (USD)USD 15,247,951.10
Active clients with loans60,018
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsOpportunity International, APPEND, Microfinance Council of the Philippines, Inc., RIMANSI
FundersPCFC, Oikocredit, NLDC, Symbiotics

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.prasac.com.kh/
Year established1995
Head of InstitutionSim Senacheert
Regions active0
# Branches91

Total Portfolio (nat'l)KHR 425,374,000,000
Total Portfolio (USD)USD 106,343,395.50
Active clients with loans105,953
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliations
FundersDragon Capital Group, FMO, BIO, LOLC

Loan Products » Summary

AKP
32,951 Borrowers
USD 3,843,491.62 Portfolio
Active Product
AMP
7,492 Borrowers
USD 3,651,457.54 Portfolio
Active Product
APP
5,103 Borrowers
USD 2,506,574.47 Portfolio
Active Product
ILP
14,472 Borrowers
USD 5,246,427.46 Portfolio
Active Product

Loan Products » Summary

Agric USD
7,530 Borrowers
USD 32,589,623,046 Portfolio
Active Product
Agric KHR
32,809 Borrowers
USD 15,040,695.91 Portfolio
Active Product
Biodigester
1,206 Borrowers
USD 379,333 Portfolio
Active Product
Business KHR
15,589 Borrowers
USD 10,153,398.68 Portfolio
Active Product
Business USD
21,300 Borrowers
USD 178,585,000,000 Portfolio
Active Product
Consume KHR
4,406 Borrowers
USD 1,881,218.50 Portfolio
Active Product
Consume USD
8,421 Borrowers
USD 39,161,997,362 Portfolio
Active Product
Group KHR
13,682 Borrowers
USD 2,448,051.88 Portfolio
Active Product
Group USD
489 Borrowers
USD 402,575,648 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
AKP - Alalay sa Kabuhayan Program (Group Loans) PHP 5,000 - 50,000 6 80% - 100% 0% - 20% Business Women, Men Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Transformation Program, Environment Program
Alalay sa Magsasaka Program (AMP) PHP 5,000 - 150,000 4 - 6 20% - 40% 0% - 20% Business, Agriculture Women, Men, Must be engaged in agri-business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Transformation Program, Environment Program
Alalay sa Pabahay Program (APP) PHP 10,000 - 300,000 6 - 24 80% - 100% 0% - 20% Housing Women, Men, Have business, Salaried worker, Existing ASKI client or staff Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Transformation Program, Environment Program
Individual Loan Program (ILP) PHP 5,000 - 150,000 6 - 24 60% - 80% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Transformation Program, Environment Program

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Production Loan (USD) USD 75 - 25,000 4 - 26 40% - 60% 0% - 20% Business, Agricultural Production Have home or land Credit Educ
Agricultural Production Loan (KHR) KHR 300,000 - 40,000,000 4 - 26 40% - 60% 0% - 20% Business, Agricultural Production Have home or land Credit Educ
Biodigester Loan (USD) USD 75 - 1,000 0 20% - 40% 0% - 20%
Business Loan (KHR) KHR 300,000 - 40,000,000 4 - 26 40% - 60% 0% - 20% Business Have business, Have home or land Credit Educ
Business Loan (USD) USD 75 - 25,000 4 - 26 40% - 60% 0% - 20% Business Have business, Have home or land Credit Educ
Consumption Loan (KHR) KHR 300,000 - 40,000,000 4 - 26 40% - 60% 0% - 20% Housing, Consumer, Education Have business, Have home or land Credit Educ
Consumption Loan (USD) USD 75 - 10,000 4 - 26 40% - 60% 0% - 20% Housing, Consumer, Education Have business, Have home or land Credit Educ
Group Loan (KHR) KHR 50,000 - 5,000,000 4 - 12 80% - 100% 80% - 100% Any Purpose Group Mtgs
Group Loan (USD) USD 15 - 1,250 4 - 12 80% - 100% 80% - 100% Any Purpose Group Mtgs

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
AKP - Alalay sa Kabuhayan Program (Group Loans) 36.0% annual, Flat 2 Fees 2 Ins None 10.00% ongoing 86.6% - 91.1% 103.3% - 137% 30
Alalay sa Magsasaka Program (AMP) 24.0%-36.0% annual, Flat 2 Fees 3 Ins None 10.00% ongoing 32.7% - 34.5% 32.7% - 69.3% 64
Alalay sa Pabahay Program (APP) 21.0% annual, Decl Bal 2 Fees 0 Ins None 10.00% ongoing 24.3% - 34.3% 26.8% - 53.9% 59
Individual Loan Program (ILP) 21.0%-36.0% annual, Flat 2 Fees 2 Ins None 10.00% ongoing 67.4% - 91.1% 71% - 157.5% 22

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Production Loan (USD) 19.2%-32.4% annual, Decl Bal 0 Fees 0 Ins None N/A 23.1% - 32.9% 23.1% - 32.9% 67
Agricultural Production Loan (KHR) 25.2%-34.8% annual, Decl Bal 0 Fees 0 Ins None N/A 28% - 35.3% 28% - 35.3% 78
Biodigester Loan (USD) 1.2% annual, Decl Bal 0 Fees 0 Ins None N/A 9.1% - 14.6% 9.1% - 14.6% 9
Business Loan (KHR) 25.2%-34.8% annual, Decl Bal 0 Fees 0 Ins None N/A 28% - 35.3% 28% - 35.3% 79
Business Loan (USD) 19.2%-32.4% annual, Decl Bal 0 Fees 0 Ins None N/A 23.1% - 32.7% 23.1% - 32.7% 68
Consumption Loan (KHR) 25.2%-34.8% annual, Decl Bal 0 Fees 0 Ins None N/A 28% - 35.3% 28% - 35.3% 77
Consumption Loan (USD) 21.6%-32.4% annual, Flat 0 Fees 0 Ins None N/A 22.9% - 32.8% 22.9% - 32.8% 76
Group Loan (KHR) 39.0% annual, Decl Bal 0 Fees 0 Ins None N/A 32.8% - 35.3% 32.8% - 35.3% 100
Group Loan (USD) 32.4% annual, Decl Bal 0 Fees 0 Ins None N/A 30.4% - 32.8% 30.4% - 32.8% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
AKP - Alalay sa Kabuhayan Program (Group Loans) 36.0% annual, Flat 2 Fees 2 Ins Ins None 10.00% ongoing 86.6% - 91.1% 103.3% - 137% 30
Alalay sa Magsasaka Program (AMP) 24.0%-36.0% annual, Flat 2 Fees 3 Ins Ins None 10.00% ongoing 32.7% - 34.5% 32.7% - 69.3% 64
Alalay sa Pabahay Program (APP) 21.0% annual, Decl Bal 2 Fees 0 Ins Ins None 10.00% ongoing 24.3% - 34.3% 26.8% - 53.9% 59
Individual Loan Program (ILP) 21.0%-36.0% annual, Flat 2 Fees 2 Ins Ins None 10.00% ongoing 67.4% - 91.1% 71% - 157.5% 22

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Production Loan (USD) 19.2%-32.4% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 23.1% - 32.9% 23.1% - 32.9% 67
Agricultural Production Loan (KHR) 25.2%-34.8% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 28% - 35.3% 28% - 35.3% 78
Biodigester Loan (USD) 1.2% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 9.1% - 14.6% 9.1% - 14.6% 9
Business Loan (KHR) 25.2%-34.8% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 28% - 35.3% 28% - 35.3% 79
Business Loan (USD) 19.2%-32.4% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 23.1% - 32.7% 23.1% - 32.7% 68
Consumption Loan (KHR) 25.2%-34.8% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 28% - 35.3% 28% - 35.3% 77
Consumption Loan (USD) 21.6%-32.4% annual, Flat 0 Fees 0 Ins Ins None N/A 22.9% - 32.8% 22.9% - 32.8% 76
Group Loan (KHR) 39.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 32.8% - 35.3% 32.8% - 35.3% 100
Group Loan (USD) 32.4% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 30.4% - 32.8% 30.4% - 32.8% 100
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessHousingMultipleLoan PurposeASKIInstitutionPH-005-V01-P01PH-005-V01-P02PH-005-V01-P03PH-005-V01-P04ProductPHCountry2011YearRange Number1Institution Data Version020,00040,00060,00080,000100,000120,000Loan Size (all)0%50%100%150%Full APR (int fee ins tax dep)> 9,8007,4004,9002,400200Number 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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Institution Price Graph
Microloan Products offered in USD0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeAnyBusinessEducationLoan PurposePRASACInstitutionKH-010-V02-P01KH-010-V02-P03KH-010-V02-P05KH-010-V02-P07KH-010-V02-P09ProductKHCountry2011YearRange Number2Institution Data Version05001,0001,5002,0002,500Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 4,2003,1002,1001,000100Number 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.
Microloan Products offered in KHR0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeAnyBusinessEducationLoan PurposePRASACInstitutionKH-010-V02-P02KH-010-V02-P04KH-010-V02-P06KH-010-V02-P08ProductKHCountry2011YearRange Number2Institution Data Version02,000,0004,000,0006,000,0008,000,00010,000,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 6,5004,9003,2001,600100Number 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
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% Products with one or more insurances
% Products with compulsory deposits
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