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Institution

Fundacion Sartawi Calle Pedro Salazar No 509La Paz, La Paz
Data approved: 2013-11-05
Data version: 2
Age of data: 69 months

Institution

Tulay sa Pag-unlad, Inc. 2363 Antipolo St.Makati1212
Data approved: 2011-11-15
Data version: 1
Age of data: 98 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

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.tspi.org/
Year established1981
Head of InstitutionEduardo A. Mendoza
Regions active
# Branches183

Total Portfolio (nat'l)PhP 1,468,869,386
Total Portfolio (USD)USD 35,140,415.93
Active clients with loans287,169
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliationsAlliance of Philippine Partners in Enterprise Development (APPEND), Microfinance Council of the Philippines, Inc. (MCPI)
FundersOpportunity International Australia

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 » Summary

3,816 Borrowers
USD 154,906.64 Portfolio
Active Product
5,591 Borrowers
USD 2,154,813.79 Portfolio
Active Product
10,443 Borrowers
USD 2,139,434.91 Portfolio
Active Product
423 Borrowers
USD 6,616.03 Portfolio
Active Product
241,797 Borrowers
USD 25,276,997.20 Portfolio
Active Product
92 Borrowers
USD 102,264.75 Portfolio
Active Product
2,402 Borrowers
USD 1,455,066.09 Portfolio
Active Product

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 » Conditions

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

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

Loan Products » Pricing Information

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

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 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 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 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 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 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 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 Ins None 10.0%-20.0% upfront 10.00%-20.00% ongoing 33% - 37.5% 50% - 69.9% 48

Loan Products » Pricing Information

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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