Institution

Alalay sa Kaunlaran, Inc. 105 Maharlika HighwayCabanatuan, Nueva Ecija3100
Data approved: 2011-11-15
Data version: 1
Age of data: 97 months

Institution

AIDEZ Small Project International HSN C191/18, AbelemkpeAccra, Greater Accra
Data approved: 2013-03-26
Data version: 2
Age of data: 78 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.aski.com.ph/
Year established1987
Head of InstitutionRolando B. Victoria
Regions active
# Branches38

Total Portfolio (nat'l)PhP 637,364,356
Total Portfolio (USD)USD 15,247,951.10
Active clients with loans60,018
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsOpportunity International, APPEND, Microfinance Council of the Philippines, Inc., RIMANSI
FundersPCFC, Oikocredit, NLDC, Symbiotics

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.asp-i.org/asp-i/
Year established2003
Head of InstitutionMoses O.T Owharo
Regions activeGreater Accra Region, Volta Region
# Branches0

Total Portfolio (nat'l)GHS 174,550
Total Portfolio (USD)USD 88,604.06
Active clients with loans845
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliationsGHAMFIN, ASSFIN, Coalition of NGOs in Health, Microcredit summit campaign, USA
FundersUSAID, UBA, Zenith Bank, Ghana Commercial Bank

Loan Products » Summary

AKP
32,951 Borrowers
USD 3,843,491.62 Portfolio
Active Product
AMP
7,492 Borrowers
USD 3,651,457.54 Portfolio
Active Product
APP
5,103 Borrowers
USD 2,506,574.47 Portfolio
Active Product
ILP
14,472 Borrowers
USD 5,246,427.46 Portfolio
Active Product

Loan Products » Summary

102 Borrowers
USD 39,187.82 Portfolio
Active Product
236 Borrowers
USD 2,741.12 Portfolio
Active Product
SME
170 Borrowers
USD 3,730.96 Portfolio
Active Product
300 Borrowers
USD 36,548.22 Portfolio
Active Product
7 Borrowers
USD 3,553.30 Portfolio
Low Volume Product
30 Borrowers
USD 2,842.64 Portfolio
Low Volume Product
Retired 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
AKP - Alalay sa Kabuhayan Program (Group Loans) PHP 5,000 - 50,000 6 80% - 100% 0% - 20% Business Women, Men Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Transformation Program, Environment Program
Alalay sa Magsasaka Program (AMP) PHP 5,000 - 150,000 4 - 6 20% - 40% 0% - 20% Business, Agriculture Women, Men, Must be engaged in agri-business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Transformation Program, Environment Program
Alalay sa Pabahay Program (APP) PHP 10,000 - 300,000 6 - 24 80% - 100% 0% - 20% Housing Women, Men, Have business, Salaried worker, Existing ASKI client or staff Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Transformation Program, Environment Program
Individual Loan Program (ILP) PHP 5,000 - 150,000 6 - 24 60% - 80% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Transformation Program, Environment Program

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan GHS 400 - 15,000 4 - 24 40% - 60% 0% - 20% Business, Used for agricultural purposes Women, Men, Have business, Must own a farm or animals, fish, etc. Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Health Education, Technology Management
Individual Loan GHS 100 - 3,000 3 - 12 60% - 80% 40% - 60% Business, Consumer, Education Women, Men, Have business, Salaried worker, Must provide a guarantor Credit Educ, Tech Asst Visits, Business Training, Health Education
SME Loan GHS 1,500 - 5,000 4 - 8 80% - 100% 60% - 80% Business Women, Men, Have business, Must be a graduate from a small group loan, Must provide guarantor Credit Educ, Tech Asst Visits, Business Training
Petty Traders Loan (PTL) GHS 50 - 2,000 3 - 12 80% - 100% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
AKP - Alalay sa Kabuhayan Program (Group Loans) 36.0% annual, Flat 2 Fees 2 Ins None 10.00% ongoing 86.6% - 91.1% 103.3% - 137% 30
Alalay sa Magsasaka Program (AMP) 24.0%-36.0% annual, Flat 2 Fees 3 Ins None 10.00% ongoing 32.7% - 34.5% 32.7% - 69.3% 64
Alalay sa Pabahay Program (APP) 21.0% annual, Decl Bal 2 Fees 0 Ins None 10.00% ongoing 24.3% - 34.3% 26.8% - 53.9% 59
Individual Loan Program (ILP) 21.0%-36.0% annual, Flat 2 Fees 2 Ins None 10.00% ongoing 67.4% - 91.1% 71% - 157.5% 22

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 48.00% annual, Flat 1 Fee 0 Ins None 15.00%-30.00% upfront 93% - 112.1% 137.1% - 163.9% 32
Individual Loan 48.00% annual, Flat 1 Fee 0 Ins None 20.00% upfront 118.9% - 159.8% 174.6% - 205.5% 25
SME Loan 48.00% annual, Flat 1 Fee 0 Ins None 15.00%-20.00% upfront 107.9% - 136% 157.9% - 182.6% 28
Petty Traders Loan (PTL) 48.00% annual, Flat 1 Fee 0 Ins None 20.00% upfront 118.9% - 125.8% 174.6% - 183.6% 26

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
AKP - Alalay sa Kabuhayan Program (Group Loans) 36.0% annual, Flat 2 Fees 2 Ins Ins None 10.00% ongoing 86.6% - 91.1% 103.3% - 137% 30
Alalay sa Magsasaka Program (AMP) 24.0%-36.0% annual, Flat 2 Fees 3 Ins Ins None 10.00% ongoing 32.7% - 34.5% 32.7% - 69.3% 64
Alalay sa Pabahay Program (APP) 21.0% annual, Decl Bal 2 Fees 0 Ins Ins None 10.00% ongoing 24.3% - 34.3% 26.8% - 53.9% 59
Individual Loan Program (ILP) 21.0%-36.0% annual, Flat 2 Fees 2 Ins Ins None 10.00% ongoing 67.4% - 91.1% 71% - 157.5% 22

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 48.00% annual, Flat 1 Fee 0 Ins Ins None 15.00%-30.00% upfront 93% - 112.1% 137.1% - 163.9% 32
Individual Loan 48.00% annual, Flat 1 Fee 0 Ins Ins None 20.00% upfront 118.9% - 159.8% 174.6% - 205.5% 25
SME Loan 48.00% annual, Flat 1 Fee 0 Ins Ins None 15.00%-20.00% upfront 107.9% - 136% 157.9% - 182.6% 28
Petty Traders Loan (PTL) 48.00% annual, Flat 1 Fee 0 Ins Ins None 20.00% upfront 118.9% - 125.8% 174.6% - 183.6% 26
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