2. TSPI
Please note that the information you are viewing is 151 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Tulay sa Pag-unlad, Inc. 2363 Antipolo St.Makati1212
Data approved: 2011-11-15
Data version: 1
Age of data: 151 months

Product

Housing and Sanitation Loan Program Product 2 of 7 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 90,071,216.34
Portfolio (USD)USD 2,154,813.79
Active Clients with Loans5,591
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This program is a facility for housing and/or toilet construction or renovation with loans of up to PhP100,000 for housing loan and up to PhP15,000 for toilet loan. Loan terms range from eighteen months to five years.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
OtherSanitation
Other (2)
Included Services
Credit education
Group meetings
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
OtherMust have proof of right to construct house
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 15,000
Maximum loan size100,000
Loan Term and Grace Period
Shortest loan term18.0 months
Longest loan term60.0 months
Approx average0
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

Pricing Information

Interest
Lowest quoted nominal interest1.20%
Highest quoted nominal interest1.50%
Reason(s) why interest rate variesEach on time amortization is eligible for the 20% interest rate discount
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionAdministration Fee
% of loan amount - min5.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1Ins 2
DescriptionMortgage Redemption InsuranceLife Insurance
% of loan amount - min3.16%0
% of loan amount - max3.16%0
OR, Fixed amount - min0240
Fixed amount - max01,200
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
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
Each on time amortization is eligible for the 2% interest rate discount

Full Pricing Data

Housing and Sanitation Loan Program samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 15,000PHP 30,000PHP 50,000PHP 90,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-02-012009-04-222009-10-062009-05-06
Loan Term (Months)18.2 months36.4 months36.4 months36.4 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 Component40.6%35.4%35.3%35.3%
Insurance Component5.0%2.4%1.8%1.4%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)45.6%37.8%37.1%36.7%
Transparency Index32383939
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Housing and Sanitation Loan Program Price Graphs


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  2. Chamroeun
Please note that the information you are viewing is 113 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Chamroeun Microfinance Limited # 425, St.271, Sangkat Toul Tumpong IIKhan ChamkarmonPhnom penh, Cambodia
Data approved: 2015-01-06
Data version: 4
Age of data: 113 months
Choose version

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.chamroeun.com/
Year established2006
Head of InstitutionSophea Suon
Regions activeBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, KepKratié, Phnom Penh, Pursat, Prey VengSiem Reap, Takéo
# Branches40

Total Portfolio (nat'l)KHR 29,549,677,100
Total Portfolio (USD)USD 7,480,930.91
Active clients with loans48,192
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsCMA, BWTP, Mix Market, SPTF
FundersEntrepreneurs du Monde, Microfinance Solidaire, Grameen Credit Agrole Microfinance Foundation, Chamroeun Staff Association

Loan Products » Summary

CL
24,027 Borrowers
USD 3,284,447.37 Portfolio
Active Product
DL
12,376 Borrowers
USD 3,135,506.05 Portfolio
Active Product
EL
11,779 Borrowers
USD 1,060,445.85 Portfolio
Active Product
SEL
10 Borrowers
USD 531.65 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Chamroeun Loan KHR 100,000 - 1,600,000 3 - 12 80% - 100% 20% - 40% Business, Agriculture Women, Men, Have business, Have home or land Credit Educ, Tech Asst Visits, Business Training, Other Training, Social training ( health, nutrition, domestic violence, waste management)
Developing Loan KHR 100,000 - 1,000,000 3 - 12 80% - 100% 20% - 40% Business, Agriculture Women, Men, Have business Credit Educ, Tech Asst Visits, Business Training, Other Training, Social training ( health, nutrition, domestic violence, waste management)
Entrepreneurs Loan KHR 1,200,000 - 4,000,000 3 - 18 80% - 100% 20% - 40% Business, Agriculture Women, Men, Have business, Have home or land Tech Asst Visits, Business Training, Other Training, Social training ( health, nutrition, domestic violence, waste management)

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Chamroeun Loan 42.0% annual, Decl Bal 1 Fee 0 Ins None N/A 45.6% - 52.4% 45.6% - 52.4% 88
Developing Loan 39.0% annual, Decl Bal 1 Fee 0 Ins None N/A 42.7% - 53.8% 42.7% - 53.8% 86
Entrepreneurs Loan 39.0% annual, Decl Bal 1 Fee 0 Ins None N/A 41.5% - 43.8% 41.5% - 43.8% 92
Institution Price Graph
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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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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