2. Coop San Miguel
Please note that the information you are viewing is 161 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. RBMI
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

San Miguel de los Bancos AV. 17 DE JULIO Y JAIME ROLDOSSAN MIGUEL DE LOS BANCOSPichincha
Data approved: 2011-02-09
Data version: 1
Age of data: 161 months

Institution

Rural Bank of Montevista (Davao), Inc. Sobrecary St.Tagum City, Davao del Norte/Region XI8100
Data approved: 2011-11-15
Data version: 1
Age of data: 152 months

Product

Micro Juanita Individual Product 3 of 5 « Prev | Next »

Product

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Product Summary

Number borrowers621
Loan Amount (range)USD 250 - 17,000
Loan Term (range)4 - 56
Other Services (text summary)Credit Ins
Annual Interest & Method20.0%-26.9% annual, Decl Bal
FeesNone
Insurance6.00% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component20.3% (Int+Fee)
Insurance Component0.7%
Tax Component Range0
Full APR (int fee ins tax dep)21.0%
Transparency Index (min/max)0 - N/A
Transparency Index (average)95

Product Summary

6,398
PHP 3,000 - 50,000
3 - 12
Group Mtgs
18.0%-24.0% annual, Flat
7.25% upfront
0.50%-1.40% upfront 0.50%-1.40% upfront
5.25% loan amt
5.0% upfront 5.00% ongoing
 
N/A
53.1% - 98.3% (Int+Fee)
9.1% - 23.7%
0 - 11.5%
128.4% - 178.0%
9 - 14
12

Product Details

Key Statistics
Outstanding portfolio (USD)USD 1,495,211.67
Portfolio (USD)USD 1,495,211.67
Active Clients with Loans621
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
ES TODO CREDITO DESTINADO A FINANCIAR ACTIVIDADES PRODUCTIVAS YA ESTABLECIDAS MINIMO UN AÑO EN EL MERCADO, DE PEQUEÑA Y MEDIANA ESCALA EN LA INVERSIÓN DE CAPITAL DE TRABAJO PARA NEGOCIOS
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 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
OtherDEPENDE DEL MONTO PRESENTA COPIAS DE UN BIEN INMUEBLE.
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 39,353,526
Portfolio (USD)USD 941,471.91
Active Clients with Loans6,398
Approximate % Female Clients80% - 100%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Micro groupings and Individual Loan
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visits
Business training
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 250
Maximum loan size17,000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term56.0 months
Approx average42.0 months
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 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 3,000
Maximum loan size50,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average0
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 interest26.90%
Reason(s) why interest rate variesLoan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
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
Ins 1
DescriptionSEGURO DESGRAVAMEN DE DOS CABEZAS SOBRE EL MONTO DEL CREDITO DISTRIBUIDO EN CADA CUOTA
% of loan amount - min6.00%
% of loan amount - max6.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
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
Additional Comments
ESTE CREDITO CUENTA CON LA ASISTENCIA TECNICA DEL OFICIAL\rDE MICROCREDITO, EL DESEMBOLSO DEL DINERO SE REALIZA EN 48 HORAS MAXIMO LUEGO DE LA INSPECCIÓN REALIZADA.

Pricing Information

Interest
Lowest quoted nominal interest1.50%
Highest quoted nominal interest2.00%
Reason(s) why interest rate variesN/A
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionBank Charge
% of loan amount - min7.25%
% of loan amount - max7.25%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1Ins 2
DescriptionCash Death AssistanceCredit Insurance
% of loan amount - min0.50%0.50%
% of loan amount - max1.40%1.40%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
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 deposited5.00%
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid2.00%
Maximum interest rate paid2.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A

Full Pricing Data

Micro Juanita Individual samples
Sample 1
Loan AmountUSD 8,000
Loan Cycle (1, 2, 3, etc)Not Known
Disbursement Date2010-11-25
Loan Term (Months)35.0 months
Grace Period (Months)0
Total Cost of CreditNot Known
True Price by Comp 
Interest and Fee Component20.3%
Insurance Component0.7%
Tax Component0
Deposit Component0
Full APR (int fee ins tax dep)21.0%
Transparency Index95
  
Original Repayment SchedulePDF
MFT Pricing CalculationPDF

Full Pricing Data

KUUP samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 3,000PHP 8,000PHP 15,000PHP 30,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-06-092011-06-192011-07-292011-06-21
Loan Term (Months)3.0 months6.0 months8.0 months10.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component98.3%69.6%59.2%53.1%
Insurance Component22.7%12.1%10.8%9.1%
Tax Component10.3%0.0%5.4%4.8%
Deposit Component46.8%46.7%54.9%73.0%
Full APR (int fee ins tax dep)178.0%128.4%130.3%140.1%
Transparency Index10141413
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Micro Juanita Individual 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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