Institution # Borrowers Portfolio (US$) Products Age of Data
KBL468,300120,082,00016106
KF233,60041,416,0004105
NRSP399,90070,157,0003106
ASA230,40029,637,0003106
TMFB221,20085,449,0007106
FMFB163,54438,481,3239124
TRDP100,00013,817,0003106
PRSP75,6569,907,1763124
BRAC^P57,30011,869,0003106
SRSO51,1007,775,0003106
SSF46,0004,776,0003106
FINCA82,00043,559,0009106
JWS36,0006,545,0002106
RCDS35,5524,856,1224124
DAMEN35,1857,150,8641124
FFO22,4003,335,0003106
OLP21,4003,510,0003106
CSC17,6003,147,0001106
AMRDO13,8001,206,0005106
WMBL13,8006,105,0003106
Mojaz13,4002,415,0002106
SDF11,5001,041,0004106
POMFB8,5002,795,0004106
OPD7,500918,0002106
AGAHE7,300797,0002106
NRDP6,1841,521,9723124
GBTI6,100669,0003124
WASIL4,3001,135,0002106
Micro Options4,000768,0005106
VDO3,900489,0003124
SVDP3,900811,00013124
SRDO3,500766,0004106
OSDI2,000923,0003106
APMBL1,8001,401,0003106
BEDF1,400209,0003124
KCDO80094,0001124
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

Tulay sa Pag-unlad, Inc. 2363 Antipolo St.Makati1212
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Product

TSPI Palayan Program Product 7 of 7 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 60,821,762.73
Portfolio (USD)USD 1,455,066.09
Active Clients with Loans2,402
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
This program is intended to finance the production requirements of rice farming and offers micro-loans to qualified farmer groups with mutual group guarantee.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
OtherRice Farmers
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherLand tenants with at least 5 years of farming experience
Other (2)Has access to irrigation
# 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 20,000
Maximum loan size35,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term5.0 months
Approx average4.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest3.00%
Highest quoted nominal interest3.00%
Interest rate periodMonthly
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
Ins 1Ins 2
DescriptionPCIC Crop InsuranceCredit-Life Insurance
% of loan amount - min1.11%2.50%
% of loan amount - max7.78%2.50%
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?
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 200
Conditions on access to depositWhen Leaving
Interest Paid on Deposit
Minimum interest rate paid5.00%
Maximum interest rate paid5.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No
Additional Comments
There is another mandatory life insurance at P24 per annum. Loan terms are determined based on cropping schedule. Payments are due 5 days after harvest. Interest is computed .1% per day

Full Pricing Data

TSPI Palayan Program samples
Sample 1Sample 2Sample 3
Loan AmountPHP 30,000PHP 30,000PHP 30,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2010-12-072010-11-182010-12-08
Loan Term (Months)5.0 months5.0 months5.0 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 Component26.6%32.1%27.9%
Insurance Component13.7%13.8%13.7%
Tax Component0.0%0.0%0.0%
Deposit Component2.4%2.7%2.4%
Full APR (int fee ins tax dep)42.7%48.5%44.1%
Transparency Index847482
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
TSPI Palayan Program Price Graphs


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Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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