2. PBC
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. FMFB
Please note that the information you are viewing is 127 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Peoples Bank of Caraga, Inc. Brgy. 5San Francisco, Agusan del Sur/Region XIII8501
Data approved: 2011-11-15
Data version: 1
Age of data: 153 months

Institution

The First MicroFinanceBank Ltd. 16th, 17th Floor, Habib Bank Ltd. Tower, Near China ChowkBlue AreaIslamabad, Federal44000
Data approved: 2013-07-25
Data version: 1
Age of data: 127 months

Product

Farm Financing Loan Product 3 of 5 « Prev | Next »

Product

General Purpose Finance Product 5 of 9 « Prev | Next »

Product Summary

Number borrowers14,249
Loan Amount (range)PHP 3,000 - 10,000
Loan Term (range)6
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Annual Interest & Method28.0% annual, Flat
Fees2.00%-4.00% upfront 1.50%-3.00% upfront
Insurance18.55-62.00 upfront
Tax0.50% loan amt
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component36.2% - 36.8% (Int+Fee)
Insurance Component0.2% - 3.4%
Tax Component Range0.6% - 1.2%
Full APR (int fee ins tax dep)38.3% - 39.0%
Transparency Index (min/max)31 - 73
Transparency Index (average)72

Product Summary

494
PKR 10,000 - 50,000
3 - 12
Group Mtgs, Credit Ins
26.0%-38.4% annual, Decl Bal
638.00 upfront
None
16.00% fees
N/A
 
4.0% - 41.0%
0.4% - 8.6%
0
0 - 0.9%
27.6% - 37.6%
0 - N/A
N/A

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 106,059,590
Portfolio (USD)USD 2,537,310.77
Active Clients with Loans14,249
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Lend to members who are engaged to Farm Productions (like: rice, corn, vegetables, fruits & other crops) as well as Farm Maintenance.
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 training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
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 institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 13,499,330
Portfolio (USD)USD 137,748.27
Active Clients with Loans494
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Financing facility for General Purposes like health needs, education, etc.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Educationx
Other household financex
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visits
Business training
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 institution6
# Regions for this product6
Regions ActiveAzad Kashmir, Balochistan, Gilgit-Baltistan, Khyber Pakhtunkwa, Punjab, Sindh

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 3,000
Maximum loan size10,000
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
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular paymentsx

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 10,000
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,00010%
PKR 10,000-25,00060%
PKR 25,000-50,00030%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 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 months100%
Between 13 and 18 months0
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 paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest28.00%
Highest quoted nominal interest28.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionService ChargeFiling Fee
% of loan amount - min2.00%1.50%
% of loan amount - max4.00%3.00%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLoan Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min18.55
Fixed amount - max62
Reason for variationN/A
Appears on Repayment Sched?No
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?Yes
Percentage of fees0
All or some fees taxedN/A
Additional Comments
TAXES PRIOR TO DISBURSEMENT: .5% of Fees; TAXES DURING PERIODIC LOAN REPAYMENTS - Documentary Stamps: .25%-.5% of Loan

Pricing Information

Interest
Lowest quoted nominal interest26.00%
Highest quoted nominal interest38.40%
Reason(s) why interest rate variesBranch, Loan Repayment Type (Bullet and Installment)
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
Descriptionloan processing fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min638
Fixed amount - max638
Reason for variationFee is fixed. Insurance fee is part of processing fee
Appears on Repayment Sched?Yes
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?Yes
Percentage of fees16%
All or some fees taxedSome

Full Pricing Data

Farm Financing Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 2,700PHP 3,000PHP 6,700PHP 8,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-05-272011-06-152011-05-272011-06-08
Loan Term (Months)6.0 months6.0 months6.0 months6.0 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 Component36.8%36.8%36.6%36.2%
Insurance Component1.6%1.6%1.6%1.5%
Tax Component0.6%0.6%0.6%0.6%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)39.0%39.0%38.8%38.3%
Transparency Index72727273
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

General Purpose Finance samples
Sample 1Sample 2Sample 3
Loan AmountPKR 10,000PKR 20,000PKR 50,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-08-232013-04-252013-07-30
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)0.2 months0.0 months0.2 months
Total Cost of CreditPKR 3,237PKR 4,246PKR 13,640
True Price by Comp     
Interest price component26.0%31.3%26.0%
Fee Component8.6%6.3%1.6%
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)34.6%37.6%27.6%
Transparency IndexN/AN/AN/A
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Farm Financing Loan Price Graphs


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General Purpose Finance 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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