Institution

Ahon sa Hirap, Inc. 76 8th AvenueCubaoQuezon City1109
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Institution

Madfa SACCO Head OfficeMasindi, Mid Western RegionPO Box 301
Data approved: 2012-10-17
Data version: 2
Age of data: 136 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.ashi.org.ph/
Year established1991
Head of InstitutionMila Mercado-Bunker
Regions active
# Branches21

Total Portfolio (nat'l)PhP 238,006,978
Total Portfolio (USD)USD 5,693,946.84
Active clients with loans31,322
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsMicrofinance Council of the Philippines, Social Performance Taskforce, Social Performance Network, Grameen Global Network
FundersTRIAS, PCFC, Peace & Equity Foundation, KIVA

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established2005
Head of InstitutionMr. Kisembo Patrick
Regions activeWestern
# Branches2

Total Portfolio (nat'l)UGX 721,685,949
Total Portfolio (USD)USD 288,674.38
Active clients with loans4,832
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliationsUganda Co-operative Savings and Credit Union Ltd, Mid North Private Sector
FundersTRIAS Uganda

Loan Products » Summary

204 Borrowers
USD 8,356.98 Portfolio
Active Product
3,590 Borrowers
USD 369,189.07 Portfolio
Active Product
19,732 Borrowers
USD 3,499,289.83 Portfolio
Active Product
3,228 Borrowers
USD 505,472.85 Portfolio
Active Product
8,000 Borrowers
USD 801,853.97 Portfolio
Active Product
660 Borrowers
USD 47,454.43 Portfolio
Active Product

Loan Products » Summary

1,245 Borrowers
USD 86,798 Portfolio
Active Product
370 Borrowers
USD 36,972 Portfolio
Active Product
35 Borrowers
USD 5,562 Portfolio
Low Volume Product
25 Borrowers
USD 6,964 Portfolio
Low Volume Product
20 Borrowers
USD 8,015 Portfolio
Low Volume Product
Retired 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
Center Loan PHP 1,000 - 50,000 6 - 24 80% - 100% 20% - 40% Other, Payment of past due of willful member Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Educational Loan PHP 3,000 - 20,000 6 - 24 80% - 100% 20% - 40% Education Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
General Loan PHP 3,000 - 50,000 6 - 24 80% - 100% 20% - 40% Business Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Life Insurance
Group Fund Loan PHP 700 - 49,000 2 - 6 80% - 100% 20% - 40% Other Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
House Repair Loan PHP 3,000 - 20,000 6 - 24 80% - 100% 20% - 40% Housing Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Recovery Loan PHP 3,000 - 3,000 6 80% - 100% 20% - 40% Business Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Lima Loan UGX 10,000 - 30,000,000 1 - 8 20% - 40% 0% - 20% Any Purpose Women, Men, Have home or land Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Commercial Loan UGX 50,000 - 10,000,000 1 - 6 40% - 60% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Center Loan 25.0% annual, Flat 0 Fees 0 Ins None N/A 33.1% - 44.3% 33.1% - 44.3% 65
Educational Loan 25.0% annual, Flat 0 Fees 0 Ins None N/A 47.3% - 48.4% 47.3% - 48.4% 52
General Loan 25.0% annual, Flat 1 Fee 2 Ins None 5.00 upfront 5.00 ongoing 70.1% 72.1% - 106.2% 31
Group Fund Loan 0.0% annual, Flat 1 Fee 0 Ins None N/A 17.3% - 19.8% 17.3% - 40.9% 0
House Repair Loan 25.0% annual, Flat 0 Fees 0 Ins None N/A 47.3% - 47.6% 47.3% - 47.6% 53
Recovery Loan 25.0% annual, Flat 0 Fees 0 Ins None None 47.3% - 48.4% 47.3% - 48.4% 52

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Lima Loan 30.00% annual, Flat 1 Fee 1 Ins None 20.00% upfront 31.2% - 56% 41.1% - 86.8% 51
Commercial Loan 30.00%-36.00% annual, Flat 1 Fee 1 Ins None 20.00% upfront 53.9% - 64.7% 69.1% - 99% 35

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Center Loan 25.0% annual, Flat 0 Fees 0 Ins Ins None N/A 33.1% - 44.3% 33.1% - 44.3% 65
Educational Loan 25.0% annual, Flat 0 Fees 0 Ins Ins None N/A 47.3% - 48.4% 47.3% - 48.4% 52
General Loan 25.0% annual, Flat 1 Fee 2 Ins Ins None 5.00 upfront 5.00 ongoing 70.1% 72.1% - 106.2% 31
Group Fund Loan 0.0% annual, Flat 1 Fee 0 Ins Ins None N/A 17.3% - 19.8% 17.3% - 40.9% 0
House Repair Loan 25.0% annual, Flat 0 Fees 0 Ins Ins None N/A 47.3% - 47.6% 47.3% - 47.6% 53
Recovery Loan 25.0% annual, Flat 0 Fees 0 Ins Ins None None 47.3% - 48.4% 47.3% - 48.4% 52

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Lima Loan 30.00% annual, Flat 1 Fee 1 Ins Ins None 20.00% upfront 31.2% - 56% 41.1% - 86.8% 51
Commercial Loan 30.00%-36.00% annual, Flat 1 Fee 1 Ins Ins None 20.00% upfront 53.9% - 64.7% 69.1% - 99% 35
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Key Statistics
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# Products
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# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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