Institution # Borrowers Portfolio (US$) Products Age of Data
APAS320128,0002106
BRAC-UGA139,20028,254,000362
Centenary Bank133,802221,144,231486
EBO SACCO1,5001,240,382286
Equity Bank13,06957,252,004086
Finance Trust22,55517,520,424586
FINCA-UGA56,30027,402,000460
Five Talents5,365368,057286
Gatsby1,3462,440,236286
Habitat Uganda858265,508186
Hofokam20,9084,793,200686
KACITA15660,318186
Madfa SACCO4,832288,674586
Opportunity23,73413,560,8461386
RUCREF5,557898,3804106
Rushere SACCO983574,549286
SAO20462,768186
Silver Upholders2,111189,189486
THPU6,528676,391186
UGAFODE8,1974,720,446986
VF Uganda13,0723,221,675586
Wakiso513276,000186
Y-SAVE2081,686,485186
Please note that the information you are viewing is 101 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Jaime V. Ongpin Foundation, Inc. No. 27 Sofia de Veyra St. Corner Road 2Queson HillBaguio2600
Data approved: 2011-11-15
Data version: 1
Age of data: 101 months

Product

Microloan Product 1 of 1 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 11,778,115
Portfolio (USD)USD 281,773.09
Active Clients with Loans1,361
Approximate % Female Clients80% - 100%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Loan extended to client to finance their microenterprise activities
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 visitsx
Business trainingx
Other training
OtherMarket linkages
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 max net income of 10,000 per family f 5
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 size150,000
Loan Term and Grace Period
Shortest loan term4.7 months
Longest loan term12.0 months
Approx average4.7 months
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 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
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Insurance
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
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 paid7.00%
Maximum interest rate paid7.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No
Additional Comments
For savings, clients are allowed two (2) withdrawals per month as long as 2% of loan amount is maintained (for loans greater than 15, 3% of loan amount). For 1st loan cycle, savings of P15 is required.

Full Pricing Data

Microloan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountPHP 3,000PHP 7,000PHP 15,000PHP 30,000PHP 50,000PHP 75,000
Loan Cycle (1, 2, 3, etc)755121023
Disbursement Date2011-04-082010-10-082011-03-312010-12-162010-12-162011-01-21
Loan Term (Months)4.7 months4.7 months4.7 months4.7 months4.7 months4.7 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component61.2%64.2%61.0%50.9%51.4%62.3%
Insurance Component5.4%5.6%5.4%4.4%4.5%5.5%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component32.8%36.2%33.0%46.1%47.5%68.5%
Full APR (int fee ins tax dep)99.4%106.0%99.4%101.4%103.4%136.3%
Transparency Index302830302922
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Microloan Price Graphs


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# Products
# Institutions
# 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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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