2. ASKI
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
  2. AMK
Please note that the information you are viewing is 133 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Alalay sa Kaunlaran, Inc. 105 Maharlika HighwayCabanatuan, Nueva Ecija3100
Data approved: 2011-11-15
Data version: 1
Age of data: 152 months

Institution

Angkor Microheranhvatho Kampuchea # 442, St. 193, Toul Svayprey 1ChamkarmornPhnom Penh, CambodiaPO Box 855
Data approved: 2013-04-26
Data version: 4
Age of data: 133 months
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Product

AKP - Alalay sa Kabuhayan Program (Group Loans) Product 1 of 4 « Prev | Next »

Product

individual Inst ID (KHR) Product 7 of 16 « Prev | Next »

Product Summary

Number borrowers32,951
Loan Amount (range)PHP 5,000 - 50,000
Loan Term (range)6
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Transformation Program, Environment Program
Annual Interest & Method36.0% annual, Flat
Fees3.00% upfront 100.00 upfront
Insurance300.00 upfront 30.00 ongoing
TaxNone
Comp Dep10.00% ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component86.6% - 91.1% (Int+Fee)
Insurance Component0 - 54.9%
Tax Component Range0
Full APR (int fee ins tax dep)103.3% - 137.0%
Transparency Index (min/max)13 - 78
Transparency Index (average)30

Product Summary

5,079
KHR 400,000 - 8,000,000
3 - 18
Credit Educ, Other Training
27.6%-36.0% annual, Decl Bal
0.50% upfront
None
None
N/A
 
27.1% - 36.0%
0 - 1.8%
0
0
31.9% - 37.1%
74 - 106
81

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 160,657,949.70
Portfolio (USD)USD 3,843,491.62
Active Clients with Loans32,951
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village bankingx
Self help group
Other
Description
Self-help group lending program or trust bank - this program encourages borrowers to form groups in order to avail loans for income-generating projects.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other trainingx
OtherTransformation Program
Other (2)Environment Program
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
Other
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 (KHR)KHR 11,703,225,800
Portfolio (USD)USD 2,962,841.98
Active Clients with Loans5,079
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Individual Inst ID (KHR) is provided to all the clients, the installments are paid every month and the fee only at the disbursment.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visits
Business training
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried worker
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution24
# Regions for this product24
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Mondulkiri , Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 5,000
Maximum loan size50,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term6.0 months
Approx average6.0 months
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

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 400,000
Maximum loan size8,000,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,0000
KHR 1,000,000-3,500,00050%
KHR 3,500,000-6,000,00030%
KHR 6,000,000-8,000,00020%
KHR 8,000,000-10,000,0000
Greater than KHR 10,000,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term18.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months30%
Between 13 and 18 months70%
Longer than 18 months0
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

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
Fee 1Fee 2
DescriptionService FeeBusiness Development Support Service
% of loan amount - min3.00%0
% of loan amount - max3.00%0
OR, Fixed amount - min0100
Fixed amount - max0100
Reason for variationN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionASKI MBA Life Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min300
Fixed amount - max300
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
Ins 1
DescriptionASKI MBA Life Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min30
Fixed amount - max30
Reason for variationN/A
Appears on Repayment Sched?Yes
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 deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited10.00%
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid1.00%
Maximum interest rate paid1.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No
Additional Comments
One-time membership fee of P3 and first week premium contribution of P3 for ASKI MBA Life Insurance charged on initial loan. Interest on CBU is computed based on the average daily balance and is directly credited to a client's account. Outreach based on April 211 data

Pricing Information

Interest
Lowest quoted nominal interest2.30%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionAdministration Fee
% of loan amount - min0.50%
% of loan amount - max0.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/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 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
We charge 3% from clients who borrow for less than 24 months and charge 2.5% for good clients with a term exceeding 24 months of loan. The grace period of 4 month is accepted for agriculture loans only. Maximum amount of 8 M KHR, the amount range above is real disbursed to clients.

Full Pricing Data

AKP - Alalay sa Kabuhayan Program (Group Loans) samples
Sample 1Sample 2Sample 3
Loan AmountPHP 8,000PHP 15,000PHP 30,000
Loan Cycle (1, 2, 3, etc)241
Disbursement Date2011-04-292011-04-292011-04-28
Loan Term (Months)6.0 months6.0 months6.0 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 Component91.1%88.2%86.6%
Insurance Component35.8%19.2%9.6%
Tax Component0.0%0.0%0.0%
Deposit Component10.0%8.7%7.0%
Full APR (int fee ins tax dep)137.0%116.1%103.3%
Transparency Index263135
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

individual Inst ID (KHR) samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountKHR 1,000,000KHR 1,200,000KHR 2,500,000KHR 5,000,000KHR 7,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-03-292013-02-122013-03-272013-04-092013-03-20
Loan Term (Months)12.0 months12.0 months15.0 months18.0 months18.0 months
Grace Period (Months)-0.3 months-0.3 months-0.3 months0.2 months0.0 months
Total Cost of CreditKHR 194,200KHR 219,600KHR 540,700KHR 1,295,200KHR 1,785,000
True Price by Comp         
Interest price component36.0%33.6%32.4%31.2%31.2%
Fee Component1.1%1.0%0.9%0.7%0.8%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)37.1%34.6%33.3%31.9%32.0%
Transparency Index7480838686
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
AKP - Alalay sa Kabuhayan Program (Group Loans) Price Graphs


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individual Inst ID (KHR) 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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