Please note that the information you are viewing is 122 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 Sartawi Calle Pedro Salazar No 509La Paz, La Paz
Data approved: 2013-11-05
Data version: 2
Age of data: 122 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.sembrarsartawi.org
Year established1990
Head of InstitutionMarcelo Mallea Castillo
Regions activeChuquisaca , Cochabamba , La Paz , Oruro , Potosí, Santa Cruz, Tarija
# Branches21

Total Portfolio (nat'l)BOB 181,189,915
Total Portfolio (USD)USD 26,842,950.37
Active clients with loans14,630
Approximate % female clients20% - 40%
Approximate % urban clients20% - 40%
Network affiliationsFINRURAL
FundersBanco de Desarrollo de Holanda

Loan Products » Summary

4,936 Borrowers
USD 14,525,744.30 Portfolio
Active Product
421 Borrowers
USD 3,259,094 Portfolio
Active Product
4,412 Borrowers
USD 6,358,736.15 Portfolio
Active Product
75 Borrowers
USD 287,198 Portfolio
Active Product
58 Borrowers
USD 7,074.37 Portfolio
Active Product
712 Borrowers
USD 1,138,133.78 Portfolio
Active Product
3,998 Borrowers
USD 1,164,551.41 Portfolio
Active Product
18 Borrowers
USD 102,418 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Capital de Inversión BOB 1,400 - 350,000 3 - 36 0% - 20% 20% - 40% Business Women, Men, Have business Credit Ins, Tech Asst Visits
Capital de Inversión (USD) USD 200 - 50,000 3 - 36 0% - 20% 20% - 40% Business Women, Men, Have business Credit Ins, Tech Asst Visits
Capital de Operaciones BOB 350 - 350,000 3 - 60 20% - 40% 20% - 40% Business, Agriculture Women, Men, Have business Credit Ins, Tech Asst Visits
Capital de Operaciones (USD) USD 50 - 50,000 3 - 60 20% - 40% 20% - 40% Business, Agriculture Women, Men, Have business Credit Ins, Tech Asst Visits
Capital Operaciones - Grupo Solidario BOB 350 - 350,000 3 - 60 20% - 40% 20% - 40% Business, Agriculture Women, Men, Have business Credit Ins, Tech Asst Visits
Libre Disponibilidad BOB 350 - 21,000 6 - 80 40% - 60% 40% - 60% Any Purpose Women, Men, Have business, Salaried worker Credit Educ
Banca Comunal BOB 700 - 11,000 3 - 12 40% - 60% 20% - 40% Business, Agriculture Women, Men Credit Educ

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Capital de Inversión 15.0%-28.0% annual, Decl Bal 1 Fee 1 Ins None N/A 22.9% - 31.6% 23.9% - 33% 52
Capital de Inversión (USD) 20.0%-28.0% annual, Decl Bal 1 Fee 1 Ins None N/A 23.4% - 29.4% 24.4% - 30.3% 72
Capital de Operaciones 15.0%-28.0% annual, Decl Bal 1 Fee 1 Ins None N/A 18.3% - 31% 19.2% - 32.5% 59
Capital de Operaciones (USD) 15.0%-28.0% annual, Decl Bal 1 Fee 1 Ins None N/A 17.3% - 28.9% 19% - 29.9% 60
Capital Operaciones - Grupo Solidario 27.0%-36.0% annual, Decl Bal 1 Fee 1 Ins None N/A 31.9% - 35.4% 33.6% - 37% 76
Libre Disponibilidad 13.0%-28.0% annual, Decl Bal 1 Fee 1 Ins None N/A 17.9% - 25.2% 19.5% - 26.8% 56
Banca Comunal 30.0%-36.0% annual, Decl Bal 1 Fee 1 Ins None 10.0%-20.0% upfront 10.00%-20.00% ongoing 33% - 37.5% 50% - 69.9% 48
Institution Price Graph
Please note that the information you are viewing is 151 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Daan sa Pag-Unlad, Inc. 17 Gallardo St.CataningBalanga City, Bataan2100
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Product

Individual Loan Product 3 of 3 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 3,018,000
Portfolio (USD)USD 72,200.96
Active Clients with Loans288
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Credit extended to members for income-generating activities
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 insurancex
Workplace visits
Business trainingx
Other training
OtherFormation Program
Other (2)Provision of Social Services (medical mission, etc.)
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 10,000
Maximum loan size150,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term6.0 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 interest32.00%
Highest quoted nominal interest32.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionService Charge
% of loan amount - min4.00%
% of loan amount - max4.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
Fee 1
DescriptionLoan Liquidity Fund
% of loan amount - min10.00%
% of loan amount - max10.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Upfront Insurance Fees
Ins 1
DescriptionCredit-Life Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min370
Fixed amount - max370
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited5.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 50
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid5.00%
Maximum interest rate paid5.00%
Interest payment frequencyEnd Term
Taxes
Are taxes charged on this product?No
Additional Comments
CBU withdrawals allowed as long as within the 3% maintaining balance. Weekly CBU deposited is based on loan amount (P5-3) Interest on savings computed upon resignation. Insurance: member has option to insure family members. Pondong Damayan: P1 to be replenished if a client dies

Full Pricing Data

Individual Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountPHP 10,000PHP 30,000PHP 50,000PHP 90,000PHP 120,000
Loan Cycle (1, 2, 3, etc)111493
Disbursement Date2011-07-252011-09-142011-05-162011-07-052011-08-22
Loan Term (Months)5.8 months5.8 months6.0 months6.0 months6.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component87.1%87.1%87.1%88.1%81.4%
Insurance Component14.6%4.8%2.9%1.6%1.1%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component35.4%19.0%15.2%13.8%11.4%
Full APR (int fee ins tax dep)137.1%110.8%105.2%103.5%93.9%
Transparency Index2329303134
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Individual Loan Price Graphs


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