Loan Conditions

Loan Amount

Currency	THB
Minimum loan size	THB 5,000
Maximum loan size	60,000

Distribution at Disbursement (Est.)

Loans less than THB 10,000	0
THB 10,000-30,000	40%
THB 30,000-50,000	30%
THB 50,000-70,000	30%
THB 70,000-90,000	0
Greater than THB 90,000	0

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	12.0 months
Approx average	5.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	0
Between 7 and 9 months	0
Between 10 and 12 months	100%
Between 13 and 18 months	0
Longer than 18 months	0

Grace Period

Grace period usage	100%
Average grace period	DK

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount

Currency	PHP
Minimum loan size	PHP 1,000
Maximum loan size	150,000

Loan Term and Grace Period

Shortest loan term	1.0 month
Longest loan term	12.0 months
Approx average	0

Grace Period

Grace period usage	0
Average grace period	0.3 months

Repayment Frequency

Daily	x
Weekly	x
Every 2 weeks	x
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Upfront Fees

	Fee 1
Description	Administration Fee
% of loan amount - min	0.50%
% of loan amount - max	0.50%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	No

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 for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?

No

Additional Comments

This product can serve to all the village bank members without limit cycles.

Pricing Information

Interest

Upfront Fees

	Fee 1		Fee 2
Description	Service Charge		Filing Fee
% of loan amount - min	3.00%		0
% of loan amount - max	3.00%		0
OR, Fixed amount - min	0		10
Fixed amount - max	0		20
Reason for variation			N/A
Appears on Repayment Sched?	No		No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Credit Insurance
% of loan amount - min	0.13%
% of loan amount - max	1.50%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	No

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?	Yes
Do borrowers control deposit in their group?

Deposit BEFORE or AT Disbursement

% loan amount deposited	0
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	4.00%
or, Fixed-amount deposited	0
Conditions on access to deposit	Access During

Interest Paid on Deposit

Minimum interest rate paid	2.75%
Maximum interest rate paid	2.75%
Interest payment frequency	Quarterly

Taxes

Are taxes charged on this product?

No

Additional Comments

Quarterly payment of interest. The Coop collects both savings and CBU. CBU is non-withdrawable and will be used for dividends at the end of the year. Annually, the Coop also collects P2 as miscellaneous fee to cover office supplies and other administrative expenses

Seasonal Loan (THB) Price Graphs

SUMMED (Scaling Up Micro-Finance Management and Entrepreneurial Development) Price Graphs