2. FUNBODEM
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  2. ASHI
Please note that the information you are viewing is 152 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Fundacion Boliviana Para El Desarrollo De La Mujer Calle Rene Moreno # 476Santa Cruz
Data approved: 2013-10-10
Data version: 2
Age of data: 124 months
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Institution

Ahon sa Hirap, Inc. 76 8th AvenueCubaoQuezon City1109
Data approved: 2011-11-15
Data version: 1
Age of data: 152 months

Product

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Product

House Repair Loan Product 5 of 6 « Prev | Next »

Product Summary

Number borrowers5,711
Loan Amount (range)USD 50 - 15,000
Loan Term (range)6 - 48
Other Services (text summary)Credit Ins
Annual Interest & Method20.0%-36.0% annual, Decl Bal
FeesNone
Insurance0.36%-2.88% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component19.1% - 36.0%
Fee Component0
Insurance Component0.6% - 0.9%
Tax Component Range0
Full APR (int fee ins tax dep)20.8% - 36.6%
Transparency Index (min/max)52 - 95
Transparency Index (average)69

Product Summary

8,000
PHP 3,000 - 20,000
6 - 24
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
25.0% annual, Flat
None
None
None
N/A
 
N/A
47.3% - 47.6% (Int+Fee)
0 - 33.7%
0
47.3% - 47.6%
0 - 75
53

Product Details

Key Statistics
Outstanding portfolio (USD)USD 8,694,847
Portfolio (USD)USD 8,694,847
Active Clients with Loans5,711
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Este producto de credito esta destinado a personas que cuentan con ingresos provenientes de actividades económicas como ser comercio, servicio y producción. Este producto esta dedicado al fomento de inversión y capital de trabajo.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
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
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product2
Regions ActiveBeni , Santa Cruz

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 33,517,496
Portfolio (USD)USD 801,853.97
Active Clients with Loans8,000
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Loan used for repair or construction of the member's house, purchase of a lot, for connection of water and electric supply.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Men
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

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 50
Maximum loan size15,000
Distribution at Disbursement (Est.)
Loans less than USD 1,50040%
USD 1,500-5,00030%
USD 5,000-10,00020%
USD 10,000-15,00010%
USD 15,000-18,0000
Greater than USD 18,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term48.0 months
Approx average24.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months10%
Between 13 and 18 months30%
Longer than 18 months60%
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 monthsx
Every 12 monthsx
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 3,000
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term24.0 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 interest20.00%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesLoan Size, Client Risk, Collateral, Loan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
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
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionPor seguro de desgravamen
% of loan amount - min0.36%
% of loan amount - max2.88%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationSe aplica 0.06% en cada cuota cargado en el saldo pendiente del principal
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

Pricing Information

Interest
Lowest quoted nominal interest25.00%
Highest quoted nominal interest25.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
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
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
Additional Comments
Member should have current loan. There must be at least 4 groups in the member's center.

Full Pricing Data

Independiente samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 800USD 1,000USD 1,500USD 5,200USD 10,000USD 400
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-12-272013-12-272013-12-272013-12-272013-12-272013-10-01
Loan Term (Months)19.0 months19.0 months19.0 months31.0 months37.0 months11.0 months
Grace Period (Months)0.5 months0.5 months0.5 months0.5 months0.5 months0.5 months
Total Cost of CreditUSD 206.58USD 262.95USD 365.14USD 1,759.83USD 3,689.88USD 78.09
True Price by Comp           
Interest price component28.0%28.0%26.1%22.1%20.1%35.9%
Fee Component0.0%0.0%0.0%0.0%0.0%0.0%
Insurance Component0.7%0.7%0.6%0.7%0.7%0.7%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)28.7%28.7%26.7%22.8%20.8%36.6%
Transparency Index636367798755
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

House Repair Loan samples
Sample 1Sample 2Sample 3
Loan AmountPHP 5,000PHP 10,000PHP 15,000
Loan Cycle (1, 2, 3, etc)123
Disbursement Date2011-01-192011-01-242011-02-08
Loan Term (Months)11.7 months11.7 months11.7 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component47.6%47.3%47.6%
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)47.6%47.3%47.6%
Transparency Index535353
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Independiente Price Graphs


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House Repair Loan Price Graphs


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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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