2. TSKI
Please note that the information you are viewing is 152 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Meanwood
Please note that the information you are viewing is 157 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Taytay Sa Kauswagan, Inc. A & L Building, E. Lopez SreetJaroIloilo City, Iloilo/Region VI5000
Data approved: 2011-11-15
Data version: 1
Age of data: 152 months

Institution

Meanwood Finance Corporation Limited Design HouseCairo RoadLusakaPO Box 31334
Data approved: 2011-12-12
Data version: 1
Age of data: 157 months

Product

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Product

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Product Summary

Number borrowers6,341
Loan Amount (range)PHP 10,000 - 50,000
Loan Term (range)3 - 6
Other Services (text summary)Credit Ins, Business Training, Other Training
Annual Interest & Method30.0% annual, Flat
Fees100.00 upfront 4.00% upfront
Insurance75.00-469.00 upfront
Tax0.25% loan amt
Comp Dep10.00% ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component49.2% - 61.2% (Int+Fee)
Insurance Component7.9% - 9.5%
Tax Component Range1.0% - 2.0%
Full APR (int fee ins tax dep)63.0% - 79.0%
Transparency Index (min/max)26 - 48
Transparency Index (average)42

Product Summary

163
ZMK 5,000,000 - 1,100,000,000
1 - 6
Credit Educ, Group Mtgs, Credit Ins
96.0%-120.0% annual, Flat
2.50% upfront 300,000.00-500,000.00 upfront
None
None
N/A
 
N/A
224.9% - 233.5% (Int+Fee)
0
0
224.9% - 233.5%
41 - 102
42

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 169,434,204
Portfolio (USD)USD 4,053,449.86
Active Clients with Loans6,341
Approximate % Female Clients60% - 80%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Individual Loan
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household financex
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business trainingx
Other trainingx
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 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 (ZMK)ZMK 4,600,000,000
Portfolio (USD)USD 888,888.89
Active Clients with Loans163
Approximate % Female Clients20% - 40%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
These are loans for registered small medium enterprises(SME's) and private businesses.The borrower is suppose to have a running business for atleast six months.
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 visits
Business training
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 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 size50,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term6.0 months
Approx average0
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

Loan Conditions

Loan Amount
CurrencyZMK
Minimum loan sizeZMK 5,000,000
Maximum loan size1,100,000,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term6.0 months
Approx average3.0 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
Fee 1Fee 2
DescriptionNotarial FeeService Charge
% of loan amount - min04.00%
% of loan amount - max04.00%
OR, Fixed amount - min1000
Fixed amount - max1000
Reason for variationN/A
Appears on Repayment Sched?YesYes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionMicroEnsure
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min75
Fixed amount - max469
Reason for variationN/A
Appears on Repayment Sched?Yes
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 deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited10.00%
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid2.00%
Maximum interest rate paid2.00%
Interest payment frequencyEnd Term
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A

Pricing Information

Interest
Lowest quoted nominal interest8.00%
Highest quoted nominal interest10.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionFacility FeesLoan Processing Fee
% of loan amount - min2.50%0
% of loan amount - max2.50%0
OR, Fixed amount - min0300,000
Fixed amount - max0500,000
Reason for variationN/AN/A
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 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

OKEY samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 15,000PHP 15,000PHP 30,000PHP 30,000
Loan Cycle (1, 2, 3, etc)3131
Disbursement Date2011-05-312011-06-272011-06-302011-07-29
Loan Term (Months)3.0 months3.0 months3.0 months3.0 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 Component61.2%59.9%49.2%52.9%
Insurance Component9.5%9.3%7.9%8.5%
Tax Component2.0%2.0%1.7%1.8%
Deposit Component6.4%6.1%4.3%5.0%
Full APR (int fee ins tax dep)79.0%77.2%63.0%68.2%
Transparency Index38394844
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Business Loans samples
Sample 1Sample 2Sample 3
Loan AmountZMK 5,000,000ZMK 5,000,000ZMK 5,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-01-272011-01-192010-11-19
Loan Term (Months)6.0 months6.0 months3.0 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 Component226.5%224.9%233.5%
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)226.5%224.9%233.5%
Transparency Index424341
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
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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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