2. TSPI
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
  2. Banco WWB
Please note that the information you are viewing is 166 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Tulay sa Pag-unlad, Inc. 2363 Antipolo St.Makati1212
Data approved: 2011-11-15
Data version: 1
Age of data: 163 months

Institution

Banco WWB S.A. Av 5 norte N° 16 N 57Cali, Valle del Cauca572
Data approved: 2011-08-01
Data version: 1
Age of data: 166 months

Product

Housing and Sanitation Loan Program Product 2 of 7 « Prev | Next »

Product

Microcrédito Product 5 of 5 « Prev | Next »

Product Summary

Number borrowers5,591
Loan Amount (range)PHP 15,000 - 100,000
Loan Term (range)18 - 60
Other Services (text summary)Credit Ins
Annual Interest & Method14.4%-18.0% annual, Flat
Fees5.00% upfront
Insurance3.16% upfront 240.00-1,200.00 upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component35.3% - 40.6% (Int+Fee)
Insurance Component0 - 13.8%
Tax Component Range0
Full APR (int fee ins tax dep)36.7% - 45.6%
Transparency Index (min/max)32 - 95
Transparency Index (average)37

Product Summary

177,595
COP 535,000 - 13,375,000
1 - 36
31.3%-34.0% annual, Decl Bal
7.50% upfront 10,000.00 upfront
0.53%-6.18% upfront 20.00%-30.00% ongoing
None
N/A
 
N/A
28.3% - 41.7% (Int+Fee)
0.3% - 13.5%
0
28.6% - 42.1%
59 - 116
83

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 90,071,216.34
Portfolio (USD)USD 2,154,813.79
Active Clients with Loans5,591
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This program is a facility for housing and/or toilet construction or renovation with loans of up to PhP100,000 for housing loan and up to PhP15,000 for toilet loan. Loan terms range from eighteen months to five years.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
OtherSanitation
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
OtherMust have proof of right to construct house
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 (COP)COP 466,802,000,000
Portfolio (USD)USD 256,484,615.40
Active Clients with Loans177,595
Approximate % Female Clients60% - 80%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Credito para compra de activo fijo o capital de trabajo. Se otorga a clientes Nuevos, Renovación y Preferencial \rque llevan más de un año en su actividad económica.
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 insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
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
CurrencyPHP
Minimum loan sizePHP 15,000
Maximum loan size100,000
Loan Term and Grace Period
Shortest loan term18.0 months
Longest loan term60.0 months
Approx average0
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

Loan Conditions

Loan Amount
CurrencyCOP
Minimum loan sizeCOP 535,000
Maximum loan size13,375,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term36.0 months
Approx average24.0 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

Pricing Information

Interest
Lowest quoted nominal interest1.20%
Highest quoted nominal interest1.50%
Reason(s) why interest rate variesEach on time amortization is eligible for the 20% interest rate discount
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionAdministration Fee
% of loan amount - min5.00%
% of loan amount - max5.00%
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 1Ins 2
DescriptionMortgage Redemption InsuranceLife Insurance
% of loan amount - min3.16%0
% of loan amount - max3.16%0
OR, Fixed amount - min0240
Fixed amount - max01,200
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
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
Each on time amortization is eligible for the 2% interest rate discount

Pricing Information

Interest
Lowest quoted nominal interest2.61%
Highest quoted nominal interest2.83%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionComisio Ley Mipymes+IVA (Can also be charged as a continuing fee)CIFIN / Datacredito
% of loan amount - min7.50%0
% of loan amount - max7.50%0
OR, Fixed amount - min010,000
Fixed amount - max010,000
Reason for variationN/A
Appears on Repayment Sched?YesYes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionComisio Fondo Nacional de Garantias
% of loan amount - min0.53%
% of loan amount - max6.18%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
Ins 1
DescriptionVida deudores
% of loan amount - min20.00%
% of loan amount - max30.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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
EL 16% DE IMPUESTO ES COBRADO SOBRE LA COMISION DE LEY MIPYME , PUEDE SER EN EL MOMENTO DEL DESEMBOLSO O DIFERIDO.

Full Pricing Data

Housing and Sanitation Loan Program samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 15,000PHP 30,000PHP 50,000PHP 90,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-02-012009-04-222009-10-062009-05-06
Loan Term (Months)18.2 months36.4 months36.4 months36.4 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 Component40.6%35.4%35.3%35.3%
Insurance Component5.0%2.4%1.8%1.4%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)45.6%37.8%37.1%36.7%
Transparency Index32383939
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Microcrédito samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountCOP 1,150,000COP 3,500,000COP 7,400,000COP 14,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-03-232011-03-232011-03-292011-02-11
Loan Term (Months)12.0 months24.0 months36.0 months48.0 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 Component41.7%36.6%36.6%28.3%
Insurance Component0.4%4.4%4.4%0.3%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)42.1%41.0%41.0%28.6%
Transparency Index747676100
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Housing and Sanitation Loan Program Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeHousingLoan PurposeTSPIInstitutionPH-046-V01-P02ProductPHCountry2011YearRange Number1Institution Data Version020,00040,00060,00080,000Loan Size (all)0%10%20%30%40%50%Full APR (int fee ins tax dep)> 1,3001,00060030030Number 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
Microcrédito Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeBanco WWBInstitutionCO-005-V01-P05ProductCOCountry2011YearRange Number1Institution Data Version05,000,00010,000,00015,000,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 88,00066,00044,00022,0002,400Number 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
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞