Institution

Kasagana-Ka Development Center, Inc. 5 Don Francisco Street., Don Enrique HeightsCommonwealth Ave., Bgy. Holy SpiritQuezon City, NCR1127
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Institution

Simli Pong SimplipongTamale, Northern Region
Data approved: 2011-12-07
Data version: 1
Age of data: 150 months

Product

K-Kalusugan Product 2 of 3 « Prev | Next »

Product

Agro-Processing Loan Product 2 of 3 « Prev | Next »

Product Summary

Number borrowers708
Loan Amount (range)PHP 380 - 3,920
Loan Term (range)3 - 6
Other Services (text summary)Group Mtgs, Health checks
Annual Interest & Method30.0% annual, Flat
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component57.8% - 60.3% (Int+Fee)
Insurance Component0 - 48.8%
Tax Component Range0
Full APR (int fee ins tax dep)57.8% - 60.3%
Transparency Index (min/max)19 - 52
Transparency Index (average)50

Product Summary

5,720
GHS 100 - 2,100
6 - 12
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
27.00%-30.00% annual, Flat
2 fees
None
None
10.00% upfront
 
N/A
44.4% - 57.6% (Int+Fee)
0
0
52.1% - 68.6%
39 - 67
45

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 469,279
Portfolio (USD)USD 11,226.77
Active Clients with Loans708
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
OtherBorrower needs 2 co-makers as guarantors
Description
Caters to the health needs of a member and his/her family members.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherHealth
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visits
Business training
Other training
OtherHealth checks
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or landx
Must be a salaried worker
Must be specific age group
OtherMust be in loan cycle 2 of K-Negosyo
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 (GHS)GHS 628,721
Portfolio (USD)USD 319,147.72
Active Clients with Loans5,720
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village banking
Self help groupx
Other
Description
This is the chunk of the organization. You should be a member of the community and a member of a group which is registered with Simli Pong.Includes shea butter, groundnuts, rice, beans.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Otherfor agro-processing activities
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Men
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 380
Maximum loan size3,920
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term6.0 months
Approx average3.0 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
CurrencyGHS
Minimum loan sizeGHS 100
Maximum loan size2,100
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average6.0 months
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 interest2.50%
Highest quoted nominal interest2.50%
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
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
This loan product has 2 windows: Window 1 for check up (lab test and physical exam) of member and family members; Window 2 for medical procedures and medicines, including dentures and eye glasses

Pricing Information

Interest
Lowest quoted nominal interest27.00%
Highest quoted nominal interest30.00%
Reason(s) why interest rate variesTime as Client, Client Risk, Collateral
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionApplication FeeProcessing Fee
% of loan amount - min00
% of loan amount - max00
OR, Fixed amount - min22
Fixed amount - max221
Reason for variationNo info
Appears on Repayment Sched?NoNo
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to deposit
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

K-Kalusugan samples
Sample 1Sample 2Sample 3
Loan AmountPHP 1,960PHP 2,140PHP 2,140
Loan Cycle (1, 2, 3, etc)111
Disbursement Date2011-03-112011-03-292011-03-11
Loan Term (Months)5.8 months5.8 months5.8 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 Component60.3%57.8%59.9%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)60.3%57.8%59.9%
Transparency Index505250
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Agro-Processing Loan samples
Sample 1Sample 2Sample 3
Loan AmountGHS 200GHS 700GHS 1,253.30
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2010-10-172010-10-302010-07-09
Loan Term (Months)6.0 months6.0 months12.0 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 Component57.6%49.4%44.4%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component11.1%9.1%7.7%
Full APR (int fee ins tax dep)68.6%58.5%52.1%
Transparency Index394652
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
K-Kalusugan Price Graphs


Agro-Processing Loan 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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