Institution # Borrowers Portfolio (US$) Products Age of Data
APAS320128,0002102
BRAC-UGA139,20028,254,000359
Centenary Bank133,802221,144,231483
EBO SACCO1,5001,240,382283
Equity Bank13,06957,252,004083
Finance Trust22,55517,520,424583
FINCA-UGA56,30027,402,000457
Five Talents5,365368,057283
Gatsby1,3462,440,236283
Habitat Uganda858265,508183
Hofokam20,9084,793,200683
KACITA15660,318183
Madfa SACCO4,832288,674583
Opportunity23,73413,560,8461383
RUCREF5,557898,3804102
Rushere SACCO983574,549283
SAO20462,768183
Silver Upholders2,111189,189483
THPU6,528676,391183
UGAFODE8,1974,720,446983
VF Uganda13,0723,221,675583
Wakiso513276,000183
Y-SAVE2081,686,485183
Please note that the information you are viewing is 97 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Community Economic Ventures, Inc. Sarabia-Co-Torralba Bldg. 2 , Espeulas St.Tagbilaran, Bohol6300
Data approved: 2011-11-15
Data version: 1
Age of data: 97 months

Product

Yaman Loan Product 4 of 4 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 119,000,000
Portfolio (USD)USD 2,846,889.95
Active Clients with Loans19,500
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
It is offered to clients with start-ups and existing business having an income below the national poverty threshold preferably engaged in small-scale economic activities, aged 18 to 65 years old.
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 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

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 2,000
Maximum loan size30,000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term5.0 months
Approx average0
Grace Period
Grace period usage100%
Average grace period0.5 months
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 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 1
DescriptionLoan Fee
% of loan amount - min4.00%
% of loan amount - max4.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
Ongoing Fees
Fee 1
DescriptionClient Training Fund
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min5
Fixed amount - max5
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
Ins 1
DescriptionTASAKA
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min50
Fixed amount - max50
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 deposited20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 50
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid3.00%
Maximum interest rate paid3.00%
Interest payment frequencyEnd Term
Taxes
Are taxes charged on this product?No
Additional Comments
If first loan cycle, Pre-CBU amount is P2. For succeeding loan cycles, as long as no withdrawals, no minimum CBU amount required. If with withdrawal, 2% of loan amount must be maintained. Member is allowed 2 withdrawals per month, as long as CBU does not go below 2% of principal loan amount.

Full Pricing Data

Yaman Loan samples
Sample 1Sample 2Sample 3
Loan AmountPHP 3,000PHP 16,000PHP 7,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-06-16407182011-06-17
Loan Term (Months)5.0 months20.0 months5.0 months
Grace Period (Months)2.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component88.1%79.7%83.3%
Insurance Component44.8%14.1%33.3%
Tax Component0.0%0.0%0.0%
Deposit Component68.0%48.5%61.2%
Full APR (int fee ins tax dep)200.9%142.3%177.8%
Transparency Index152117
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Yaman Loan Price Graphs


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