Tulay sa Pag-unlad, Inc. - MFTransparency.org Truth In Lending Tables

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

Please note that the information you are viewing is 132 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

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Institution

Angkor Microheranhvatho Kampuchea # 442, St. 193, Toul Svayprey 1ChamkarmornPhnom Penh, CambodiaPO Box 855

Data approved: 2013-04-26

Data version: 4

Age of data: 132 months

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Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	No
Website address	http://www.tspi.org/
Year established	1981
Head of Institution	Eduardo A. Mendoza
Regions active
# Branches	183

Total Portfolio (nat'l)	PhP 1,468,869,386
Total Portfolio (USD)	USD 35,140,415.93
Active clients with loans	287,169
Approximate % female clients	80% - 100%
Approximate % urban clients	40% - 60%
Network affiliations	Alliance of Philippine Partners in Enterprise Development (APPEND), Microfinance Council of the Philippines, Inc. (MCPI)
Funders	Opportunity International Australia

Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://www.amkcambodia.com/
Year established	2003
Head of Institution	Kea Borann
Regions active	Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Mondulkiri , Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo
# Branches	113

Total Portfolio (nat'l)	KHR 236,703,000,000
Total Portfolio (USD)	USD 59,924,810.13
Active clients with loans	297,613
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations	CMA, SPTF
Funders	Agora, Concern

Loan Products » Summary

Education

3,816 Borrowers

USD 154,906.64 Portfolio

Active Product

Housing

5,591 Borrowers

USD 2,154,813.79 Portfolio

Active Product

Livestock

10,443 Borrowers

USD 2,139,434.91 Portfolio

Active Product

Health

423 Borrowers

USD 6,616.03 Portfolio

Active Product

Kabuhayan

241,797 Borrowers

USD 25,276,997.20 Portfolio

Active Product

Maunlad

92 Borrowers

USD 102,264.75 Portfolio

Active Product

Palayan

2,402 Borrowers

USD 1,455,066.09 Portfolio

Active Product

Loan Products » Summary

Credit KHR

84,992 Borrowers

USD 17,797,287.24 Portfolio

Active Product

Credit THB

5,761 Borrowers

USD 1,606,561.09 Portfolio

Active Product

Emrgncy KHR

4,029 Borrowers

USD 361,651.90 Portfolio

Active Product

Emrgncy THB

107 Borrowers

USD 12,797.90 Portfolio

Active Product

EoT KHR

98,446 Borrowers

USD 18,040,572.30 Portfolio

Active Product

EoT THB

1,837 Borrowers

USD 437,073.02 Portfolio

Active Product

Individual

5,079 Borrowers

USD 2,962,841.98 Portfolio

Active Product

Inst ID

119 Borrowers

USD 111,709.86 Portfolio

Active Product

Inst VB

1,670 Borrowers

USD 320,495.59 Portfolio

Active Product

Inst ID

2,801 Borrowers

USD 2,559,297.12 Portfolio

Active Product

Inst VB

65,323 Borrowers

USD 9,910,460.58 Portfolio

Active Product

Seasonal KRH

10,468 Borrowers

USD 7,060,414.41 Portfolio

Active Product

Seasonal THB

733 Borrowers

USD 869,265.42 Portfolio

Active Product

Seasonal USD

934 Borrowers

USD 825,304 Portfolio

Active Product

Easy KHR

3,096 Borrowers

USD 462,791.11 Portfolio

Active Product

Easy USD

2,814 Borrowers

USD 446,098 Portfolio

Active Product

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Educational Loan Assistance Program	PHP 1 - 10,000	3 - 6	80% - 100%	40% - 60%	Education	Women, Men, TKP clients with school-age children	Group Mtgs
Housing and Sanitation Loan Program	PHP 15,000 - 100,000	18 - 60	80% - 100%	80% - 100%	Housing, Sanitation	Women, Men, Have business, Must have proof of right to construct house	Credit Ins
Livestock Loan	PHP 10,000 - 10,000	4.1	80% - 100%	40% - 60%	Business, Purchase of livestock	Women, Men, Must be a member of TSPI Kabuhayan Program	Group Mtgs
PhilHealth Loan	PHP 300 - 1,200	6	80% - 100%	40% - 60%	Other, Health Insurance	Women, Men, Have business, TKP Group member	Business Training
TSPI Kabuhayan Program	PHP 4,000 - 50,000	6	80% - 100%	40% - 60%	Business	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
TSPI Maunlad Program	PHP 30,000 - 150,000	6 - 24	80% - 100%	80% - 100%	Business	Women, Men, Have business, Must have colateral or a co-borrower	Credit Ins, Business Training
TSPI Palayan Program	PHP 20,000 - 35,000	3 - 5	0% - 20%	0% - 20%	Business, Agriculture, Rice Farmers	Women, Men, Land tenants with at least 5 years of farming experience, Has access to irrigation	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Credit Line (KHR)	KHR 50,000 - 1,000,000	3 - 24	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Other Training
Credit Line (THB)	THB 500 - 10,000	1 - 24	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Emergency Loan (KHR)	KHR 10,000 - 400,000	1 - 10	80% - 100%	0% - 20%	Other	Women, Men, Have home or land, Specific age group	Other Training
Emergency Loan (THB)	THB 500 - 4,000	1 - 10	80% - 100%	0% - 20%	Other	Women, Men, Have home or land	Credit Educ, Group Mtgs, Credit Ins
End of Term Loan (KHR)	KHR 10,000 - 1,000,000	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Group Mtgs, Other Training
End of Term Loan (THB)	THB 500 - 10,000	1 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
individual Inst ID (KHR)	KHR 400,000 - 8,000,000	3 - 18	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Other Training
Inst ID (THB)	THB 5,000 - 80,000	3 - 18	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ
Inst VB (THB)	THB 500 - 10,000	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Inst-ID USD	USD 500 - 2,000	3 - 18	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Other Training
Inst-VB (KHR)	KHR 10,000 - 1,000,000	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Group Mtgs, Other Training
Seasonal Loan (KHR)	KHR 500,000 - 6,000,000	3 - 12	80% - 100%	0% - 20%	Any Purpose, For seasonal purpose only	Women, Men, Have business, Have home or land, Must have regular income for eligible monthly interest payment	Credit Educ, Group Mtgs
Seasonal Loan (THB)	THB 5,000 - 60,000	3 - 12	80% - 100%	0% - 20%	Any Purpose, Seasonal purpose only	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Seasonal Loan (USD)	USD 100 - 1,500	3 - 12	80% - 100%	0% - 20%	Any Purpose, Seasonal loan requirement only	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Easy Loan (KHR)	KHR 10,000 - 1,000,000	1 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Salaried worker, Specific age group	Credit Educ, Other Training
Easy Loan (USD)	USD 50 - 250	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Specific age group	Credit Educ, Other Training

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Educational Loan Assistance Program	12.0% annual, Flat	0 Fees	1 Ins	None	N/A	24.6% - 24.7%	24.6% - 24.7%	49
Housing and Sanitation Loan Program	14.4%-18.0% annual, Flat	1 Fee	2 Ins	None	N/A	35.3% - 40.6%	36.7% - 45.6%	37
Livestock Loan	36.0% annual, Flat	0 Fees	1 Ins	None	5.0% upfront	36.2%	37.9%	95
PhilHealth Loan	12.0% annual, Flat	0 Fees	0 Ins	None	N/A	23.7%	23.7%	51
TSPI Kabuhayan Program	36.0% annual, Flat	1 Fee	1 Ins	None	5.0% upfront 40.00 ongoing	68.6% - 68.7%	87% - 93.7%	39
TSPI Maunlad Program	28.8%-36.0% annual, Flat	1 Fee	2 Ins	None	10.0% upfront 100.00 ongoing	47.2% - 69.4%	65.1% - 89.7%	35
TSPI Palayan Program	36.0% annual, Flat	0 Fees	2 Ins	None	5.0% upfront 200.00 ongoing	26.6% - 32.1%	42.7% - 48.5%	80

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Credit Line (KHR)	36.0% annual, Decl Bal	1 Fee	None	N/A	34.1% - 36.6%	34.1% - 36.6%	100
Credit Line (THB)	33.6% annual, Decl Bal	1 Fee	None	N/A	34% - 34.2%	34% - 34.2%	98
Emergency Loan (KHR)	30.0% annual, Decl Bal	0 Fees	None	N/A	30% - 30.2%	30% - 30.2%	99
Emergency Loan (THB)	30.0% annual, Decl Bal	0 Fees	None	N/A	29.9% - 30.1%	29.9% - 30.1%	100
End of Term Loan (KHR)	36.0% annual, Decl Bal	1 Fee	None	N/A	36.5% - 37%	36.5% - 37%	98
End of Term Loan (THB)	33.6% annual, Decl Bal	1 Fee	None	N/A	33.6% - 34.2%	33.6% - 34.2%	98
individual Inst ID (KHR)	27.6%-36.0% annual, Decl Bal	1 Fee	None	N/A	31.9% - 37.1%	31.9% - 37.1%	81
Inst ID (THB)	27.6%-33.6% annual, Decl Bal	1 Fee	None	N/A	30.6% - 34.5%	30.6% - 34.5%	85
Inst VB (THB)	31.2% annual, Decl Bal	1 Fee	None	N/A	32.2% - 32.3%	32.2% - 32.3%	97
Inst-ID USD	26.4%-31.2% annual, Decl Bal	1 Fee	None	N/A	29.3% - 30.3%	29.3% - 30.3%	88
Inst-VB (KHR)	33.6% annual, Decl Bal	1 Fee	None	N/A	34.7% - 34.9%	34.7% - 34.9%	96
Seasonal Loan (KHR)	31.2%-36.0% annual, Decl Bal	1 Fee	None	N/A	33% - 37.5%	33% - 37.5%	88
Seasonal Loan (THB)	31.2%-36.0% annual, Decl Bal	1 Fee	None	N/A	30.6% - 34.2%	30.6% - 34.2%	95
Seasonal Loan (USD)	28.8%-32.4% annual, Decl Bal	1 Fee	None	N/A	30.6% - 33.5%	30.6% - 33.5%	90
Easy Loan (KHR)	30.0%-36.0% annual, Decl Bal	1 Fee	None	N/A	31.1% - 37.2%	31.1% - 37.2%	88
Easy Loan (USD)	27.6%-33.6% annual, Decl Bal	1 Fee	None	N/A	28.2% - 35.8%	28.2% - 35.8%	84

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Educational Loan Assistance Program	12.0% annual, Flat	0 Fees	1 Ins Ins	None	N/A	24.6% - 24.7%	24.6% - 24.7%	49
Housing and Sanitation Loan Program	14.4%-18.0% annual, Flat	1 Fee	2 Ins Ins	None	N/A	35.3% - 40.6%	36.7% - 45.6%	37
Livestock Loan	36.0% annual, Flat	0 Fees	1 Ins Ins	None	5.0% upfront	36.2%	37.9%	95
PhilHealth Loan	12.0% annual, Flat	0 Fees	0 Ins Ins	None	N/A	23.7%	23.7%	51
TSPI Kabuhayan Program	36.0% annual, Flat	1 Fee	1 Ins Ins	None	5.0% upfront 40.00 ongoing	68.6% - 68.7%	87% - 93.7%	39
TSPI Maunlad Program	28.8%-36.0% annual, Flat	1 Fee	2 Ins Ins	None	10.0% upfront 100.00 ongoing	47.2% - 69.4%	65.1% - 89.7%	35
TSPI Palayan Program	36.0% annual, Flat	0 Fees	2 Ins Ins	None	5.0% upfront 200.00 ongoing	26.6% - 32.1%	42.7% - 48.5%	80

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Credit Line (KHR)	36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	34.1% - 36.6%	34.1% - 36.6%	100
Credit Line (THB)	33.6% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	34% - 34.2%	34% - 34.2%	98
Emergency Loan (KHR)	30.0% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	30% - 30.2%	30% - 30.2%	99
Emergency Loan (THB)	30.0% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	29.9% - 30.1%	29.9% - 30.1%	100
End of Term Loan (KHR)	36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	36.5% - 37%	36.5% - 37%	98
End of Term Loan (THB)	33.6% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	33.6% - 34.2%	33.6% - 34.2%	98
individual Inst ID (KHR)	27.6%-36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	31.9% - 37.1%	31.9% - 37.1%	81
Inst ID (THB)	27.6%-33.6% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	30.6% - 34.5%	30.6% - 34.5%	85
Inst VB (THB)	31.2% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	32.2% - 32.3%	32.2% - 32.3%	97
Inst-ID USD	26.4%-31.2% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	29.3% - 30.3%	29.3% - 30.3%	88
Inst-VB (KHR)	33.6% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	34.7% - 34.9%	34.7% - 34.9%	96
Seasonal Loan (KHR)	31.2%-36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	33% - 37.5%	33% - 37.5%	88
Seasonal Loan (THB)	31.2%-36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	30.6% - 34.2%	30.6% - 34.2%	95
Seasonal Loan (USD)	28.8%-32.4% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	30.6% - 33.5%	30.6% - 33.5%	90
Easy Loan (KHR)	30.0%-36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	31.1% - 37.2%	31.1% - 37.2%	88
Easy Loan (USD)	27.6%-33.6% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	28.2% - 35.8%	28.2% - 35.8%	84

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Key Statistics
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# Countries
# Borrowers
Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits

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Institution

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Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

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