2. HSPFI
Please note that the information you are viewing is 153 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. UCU
Please note that the information you are viewing is 138 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Hagdan Sa Pag-uswag Foundation, Inc. RER Phase 2, National Highway, KauswaganCagayan de Oro City, Misamis Oriental9000
Data approved: 2011-11-15
Data version: 1
Age of data: 153 months

Institution

UNION OF SAVINGS AND CREDIT COOPERATIVES (UCU) KIGALINYARUGENGENYAMIRAMBO, RWANDA2998 KIGALI
Data approved: 2011-10-26
Data version: 1
Age of data: -   months 
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Product Summary

Number borrowers818
Loan Amount (range)PHP 10,000 - 40,000
Loan Term (range)3 - 10
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Community Development Program
Annual Interest & Method36.0% annual, Flat
Fees4.00% upfront
Insurance170.00-300.00 upfront
TaxNone
Comp Dep5.0% upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component84.5% - 85.9% (Int+Fee)
Insurance Component3.0% - 60.4%
Tax Component Range0
Full APR (int fee ins tax dep)99.6% - 108.9%
Transparency Index (min/max)17 - 38
Transparency Index (average)34

Product Summary

52
RWF 500,000 - 1,500,000
0.5
130.00% annual, Flat
N/A
 
N/A
130.4% (Int+Fee)
0 - 43.7%
-43.7% - 2.6%
130.4%
0 - N/A

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 2,100,000
Portfolio (USD)USD 50,239.23
Active Clients with Loans818
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village bankingx
Self help groupx
Other
Description
Additional capital for individual microentrepreneurs
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
OtherCommunity Development Program
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 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 (RWF)RWF 28,836,173
Portfolio (USD)USD 48,875
Active Clients with Loans52
Approximate % Female Clients0% - 20%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Short term loan for business owners which must be paid once. The loan term is two weeks or less.\r
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household financex
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visits
Business trainingx
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
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
CurrencyPHP
Minimum loan sizePHP 10,000
Maximum loan size40,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term10.0 months
Approx average6.0 months
Grace Period
Grace period usage100%
Average grace periodDK
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan sizeRWF 500,000
Maximum loan size1,500,000
Loan Term and Grace Period
Shortest loan term0.5 months
Longest loan term0.5 months
Approx average0.5 months
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
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
Fee 1
DescriptionService Charge
% of loan amount - min4.00%
% of loan amount - max4.00%
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 1
DescriptionMortuary Aid Fund
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min170
Fixed amount - max300
Reason for variationCovers client, spouse and 4 children below 21 years
Appears on Repayment Sched?No
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 deposited0
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid2.00%
Maximum interest rate paid5.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest2.50%
Highest quoted nominal interest2.50%
Interest rate periodWeekly
Interest Rate Calculation MethodFlat
Subsidized by funder request?N/A
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
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

Full Pricing Data

Individual Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 15,000PHP 16,000PHP 30,000PHP 30,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-05-102011-04-192011-06-022011-05-10
Loan Term (Months)9.3 months9.3 months9.3 months9.3 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 Component85.2%84.5%85.9%84.5%
Insurance Component6.4%5.9%3.2%3.1%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component17.4%16.4%12.4%12.0%
Full APR (int fee ins tax dep)108.9%106.8%101.4%99.6%
Transparency Index33343536
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Decouvert (2 weeks) samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountRWF 500,000RWF 500,000RWF 1,000,000RWF 1,000,000
Loan Cycle (1, 2, 3, etc)
Disbursement Date
Loan Term (Months)0.5 months0.5 months0.5 months0.5 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 Component130.4%130.4%130.4%130.4%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)130.4%130.4%130.4%130.4%
Transparency Index100100100100
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Individual Loan Price Graphs


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Decouvert (2 weeks) Price Graphs


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Key Statistics
# Samples:
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# 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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