Loan Conditions

Loan Amount

Currency	PHP
Minimum loan size	PHP 1,800
Maximum loan size	3,400

Loan Term and Grace Period

Shortest loan term	6.0 months
Longest loan term	12.0 months
Approx average	12.0 months

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly	x
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

Currency	USD
Minimum loan size	USD 4,000
Maximum loan size	10,000

Distribution at Disbursement (Est.)

Loans less than USD 1,500	0
USD 1,500-5,000	80%
USD 5,000-10,000	20%
USD 10,000-15,000	0
USD 15,000-18,000	0
Greater than USD 18,000	0

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	18.0 months
Approx average	11.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	5%
Between 7 and 9 months	15%
Between 10 and 12 months	60%
Between 13 and 18 months	20%
Longer than 18 months	0

Grace Period

Grace period usage	100%
Average grace period	4.0 months

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Upfront Fees

This product has no upfront fees

Ongoing Fees

	Fee 1		Fee 2
Description	Service Charge		Development Cost
% of loan amount - min	3.00%		5.00%
% of loan amount - max	3.00%		5.00%
OR, Fixed amount - min	0		0
Fixed amount - max	0		0
Reason for variation	amortized over the loan term		amortized over the loan term
Appears on Repayment Sched?	Yes		No

Upfront Insurance Fees

This product has no upfront insurance fees

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?

No

Additional Comments

Development Cost may be waived if the client pays 2% downpayment

Pricing Information

Interest

Upfront Fees

	Fee 1
Description	Commission fee
% of loan amount - min	2.00%
% of loan amount - max	3.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	Yes

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Insurance Fee
% of loan amount - min	1.00%
% of loan amount - max	1.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	Yes

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?

No

Additional Comments

Viator provides Small Enterprise Loan soft (USD) with interest rate 2.4% for clients who are in the 10th cycle and for the clients who have finished 2 business courses training of the FINLED (Financila Literacy and Education) program provided by Viator HRDP Department. For those clients who avail loan less than 2,000 USD Viator shoulders the Credit Bureau Fee of 1 AZN.

Green Loan Price Graphs

Small Enterprise Loan USD Price Graphs