Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.pfsl.com.zm/ |
Year established | 2008 |
Head of Institution | Claude Lafond |
Regions active | |
# Branches | 9 |
Total Portfolio (nat'l) | ZMK 18,835,000,000 |
Total Portfolio (USD) | USD 3,639,613.53 |
Active clients with loans | 1,481 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 40% - 60% |
Network affiliations | AMIZ, PROXFIN |
Funders | AFDB, FMO, CIDA Canada, DID / CEP |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.tspi.org/ |
Year established | 1981 |
Head of Institution | Eduardo A. Mendoza |
Regions active | |
# Branches | 183 |
Total Portfolio (nat'l) | PhP 1,468,869,386 |
Total Portfolio (USD) | USD 35,140,415.93 |
Active clients with loans | 287,169 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 40% - 60% |
Network affiliations | Alliance of Philippine Partners in Enterprise Development (APPEND), Microfinance Council of the Philippines, Inc. (MCPI) |
Funders | Opportunity International Australia |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Home Improvement Loan | ZMK 5,000,000 - 120,000,000 | 6 - 60 | 40% - 60% | 40% - 60% | Business, Housing | Women, Men, Have business, Have home or land | Credit Educ, Group Mtgs, Credit Ins | |||||||
MSME Loan | ZMK 1,000,000 - 120,000,000 | 6 - 36 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
Women Market Loan | ZMK 1,000,000 - 5,000,000 | 6 - 12 | 80% - 100% | 60% - 80% | Business | Women, Have business | Credit Educ, Group Mtgs, Credit Ins, Other Training |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Educational Loan Assistance Program | PHP 1 - 10,000 | 3 - 6 | 80% - 100% | 40% - 60% | Education | Women, Men, TKP clients with school-age children | Group Mtgs | |||||||
Housing and Sanitation Loan Program | PHP 15,000 - 100,000 | 18 - 60 | 80% - 100% | 80% - 100% | Housing, Sanitation | Women, Men, Have business, Must have proof of right to construct house | Credit Ins | |||||||
Livestock Loan | PHP 10,000 - 10,000 | 4.1 | 80% - 100% | 40% - 60% | Business, Purchase of livestock | Women, Men, Must be a member of TSPI Kabuhayan Program | Group Mtgs | |||||||
PhilHealth Loan | PHP 300 - 1,200 | 6 | 80% - 100% | 40% - 60% | Other, Health Insurance | Women, Men, Have business, TKP Group member | Business Training | |||||||
TSPI Kabuhayan Program | PHP 4,000 - 50,000 | 6 | 80% - 100% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
TSPI Maunlad Program | PHP 30,000 - 150,000 | 6 - 24 | 80% - 100% | 80% - 100% | Business | Women, Men, Have business, Must have colateral or a co-borrower | Credit Ins, Business Training | |||||||
TSPI Palayan Program | PHP 20,000 - 35,000 | 3 - 5 | 0% - 20% | 0% - 20% | Business, Agriculture, Rice Farmers | Women, Men, Land tenants with at least 5 years of farming experience, Has access to irrigation | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Home Improvement Loan | 30.0%-36.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0% upfront | 60% - 72.2% | 68.7% - 80% | 41 | ||||||||
MSME Loan | 54.0%-66.0% annual, Flat | 1 Fee | 1 Ins | None | 15.0% upfront | 104.8% - 135.3% | 139.5% - 181% | 34 | ||||||||
Women Market Loan | 54.0%-66.0% annual, Flat | 1 Fee | 1 Ins | None | 20.0% upfront | 122.5% - 135.3% | 176.6% - 200.9% | 28 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Educational Loan Assistance Program | 12.0% annual, Flat | 0 Fees | 1 Ins | None | N/A | 24.6% - 24.7% | 24.6% - 24.7% | 49 | ||||||||
Housing and Sanitation Loan Program | 14.4%-18.0% annual, Flat | 1 Fee | 2 Ins | None | N/A | 35.3% - 40.6% | 36.7% - 45.6% | 37 | ||||||||
Livestock Loan | 36.0% annual, Flat | 0 Fees | 1 Ins | None | 5.0% upfront | 36.2% | 37.9% | 95 | ||||||||
PhilHealth Loan | 12.0% annual, Flat | 0 Fees | 0 Ins | None | N/A | 23.7% | 23.7% | 51 | ||||||||
TSPI Kabuhayan Program | 36.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0% upfront 40.00 ongoing | 68.6% - 68.7% | 87% - 93.7% | 39 | ||||||||
TSPI Maunlad Program | 28.8%-36.0% annual, Flat | 1 Fee | 2 Ins | None | 10.0% upfront 100.00 ongoing | 47.2% - 69.4% | 65.1% - 89.7% | 35 | ||||||||
TSPI Palayan Program | 36.0% annual, Flat | 0 Fees | 2 Ins | None | 5.0% upfront 200.00 ongoing | 26.6% - 32.1% | 42.7% - 48.5% | 80 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Home Improvement Loan | 30.0%-36.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.0% upfront | 60% - 72.2% | 68.7% - 80% | 41 | ||||||||
MSME Loan | 54.0%-66.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 15.0% upfront | 104.8% - 135.3% | 139.5% - 181% | 34 | ||||||||
Women Market Loan | 54.0%-66.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.0% upfront | 122.5% - 135.3% | 176.6% - 200.9% | 28 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Educational Loan Assistance Program | 12.0% annual, Flat | 0 Fees | 1 Ins Ins | None | N/A | 24.6% - 24.7% | 24.6% - 24.7% | 49 | ||||||||
Housing and Sanitation Loan Program | 14.4%-18.0% annual, Flat | 1 Fee | 2 Ins Ins | None | N/A | 35.3% - 40.6% | 36.7% - 45.6% | 37 | ||||||||
Livestock Loan | 36.0% annual, Flat | 0 Fees | 1 Ins Ins | None | 5.0% upfront | 36.2% | 37.9% | 95 | ||||||||
PhilHealth Loan | 12.0% annual, Flat | 0 Fees | 0 Ins Ins | None | N/A | 23.7% | 23.7% | 51 | ||||||||
TSPI Kabuhayan Program | 36.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.0% upfront 40.00 ongoing | 68.6% - 68.7% | 87% - 93.7% | 39 | ||||||||
TSPI Maunlad Program | 28.8%-36.0% annual, Flat | 1 Fee | 2 Ins Ins | None | 10.0% upfront 100.00 ongoing | 47.2% - 69.4% | 65.1% - 89.7% | 35 | ||||||||
TSPI Palayan Program | 36.0% annual, Flat | 0 Fees | 2 Ins Ins | None | 5.0% upfront 200.00 ongoing | 26.6% - 32.1% | 42.7% - 48.5% | 80 |
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% Products using declining balance | |
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% Products with compulsory deposits |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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