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People's Center for Sustainable Development Purok 3, ArimbayLegaspi City, Albay4500
Data approved: 2011-11-15
Data version: 1
Age of data: 152 months


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Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 7,000,000
Portfolio (USD)USD 167,464.11
Active Clients with Loans717
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Solidarity groupx
Village banking
Self help group
Loans extended to members for income-generating activities
Loan Purpose
Any purpose
Income generationx
Consumer loan
Other household finance
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visitsx
Business trainingx
Other trainingx
OtherSocial Services, Spiritual formation (Bible study)
Other (2)Environmental projects - maintenance of forest park, tree planting, waste management, skills trainin
No other services
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherHas no history of loan delinquency
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
Minimum loan sizePHP 1,000
Maximum loan size60,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term12.0 months
Approx average3.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Every 2 weeksx
Every 4 weeks
Every 2 months
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Lowest quoted nominal interest2.00%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesLoan Size, Client Risk, Collateral, Loan Purpose, < 2000 - 2% 200001 - 350000 - 2.5% 35001 - 60,000 - 3%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionService ChargeOrganizational Devt. Fund (ODF)
% of loan amount - min1.70%1.70%
% of loan amount - max2.00%2.00%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1Ins 2
DescriptionPension Plan (per month)Loan Insurance
% of loan amount - min00.50%
% of loan amount - max01.00%
OR, Fixed amount - min1000
Fixed amount - max1000
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forSome
CriteriaIf loan is payable within 1 month, no retention fund detection
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited2.00% - N/A
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 100 - N/A
Conditions on access to depositWhen Leaving
Interest Paid on Deposit
Minimum interest rate paid6.00%
Maximum interest rate paid6.00%
Interest payment frequencyAnnually
Are taxes charged on this product?No
Additional Comments
ODF - maximum amount of P5 per year per member. Used for expenses incurred during AGM, Christmas party and skills training. Mutual Benefit Fund Contribution - P25 x loan term in months; provides hospitalization allowance and death benefit (P2,-1,). CBU: 1 per month Interest rebates are given to those with good repayment record. Interest is recomputed based on diminishing balance. Loan insurance - .5% if less than 6 months, 1% if more than 6 months Interest is pre-deducted from the loan. Collection charge is collected from borrowers who do not voluntarily go to the PCSD office to remit their payment.

Full Pricing Data

Livelihood Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountPHP 3,000PHP 8,000PHP 15,000PHP 30,000PHP 60,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-08-162011-07-182011-07-082011-07-282011-07-08
Loan Term (Months)3.0 months8.0 months3.3 months3.3 months3.3 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component57.9%48.1%66.6%95.4%76.1%
Insurance Component103.0%52.9%24.2%15.7%9.1%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component14.9%13.4%4.9%5.4%3.7%
Full APR (int fee ins tax dep)175.8%114.4%95.7%116.6%88.9%
Transparency Index1421252127
Original Repayment SchedulePDFPDFPDFPDFPDF
Livelihood 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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