Ahon sa Hirap, Inc. - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 153 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 136 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Ahon sa Hirap, Inc. 76 8th AvenueCubaoQuezon City1109

Data approved: 2011-11-15

Data version: 1

Age of data: 153 months

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Institution

Grameen Financial Services Pvt. Ltd. (Grameen Koota) AvalahaliJP Nagar-9th PhaseBanglore, Karnataka560062

Data approved: 2012-02-06

Data version: 2

Age of data: - months

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Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	No
Website address	http://www.ashi.org.ph/
Year established	1991
Head of Institution	Mila Mercado-Bunker
Regions active
# Branches	21

Total Portfolio (nat'l)	PhP 238,006,978
Total Portfolio (USD)	USD 5,693,946.84
Active clients with loans	31,322
Approximate % female clients	80% - 100%
Approximate % urban clients	20% - 40%
Network affiliations	Microfinance Council of the Philippines, Social Performance Taskforce, Social Performance Network, Grameen Global Network
Funders	TRIAS, PCFC, Peace & Equity Foundation, KIVA

Institution Details

Institution Type	Sect25
Is this institution regulated?	Yes
Website address	http://www.gfspl.in/
Year established	1999
Head of Institution	Suresh K. Krishna
Regions active	0
# Branches	174

Total Portfolio (nat'l)	INR 1,966,900,000
Total Portfolio (USD)	USD 37,111,320.75
Active clients with loans	274,850
Approximate % female clients	80% - 100%
Approximate % urban clients	20% - 40%
Network affiliations	Sa-dhan, akmi, MFIN

Loan Products » Summary

Center Loan

204 Borrowers

USD 8,356.98 Portfolio

Active Product

Education

3,590 Borrowers

USD 369,189.07 Portfolio

Active Product

General

19,732 Borrowers

USD 3,499,289.83 Portfolio

Active Product

Group

3,228 Borrowers

USD 505,472.85 Portfolio

Active Product

House Repair

8,000 Borrowers

USD 801,853.97 Portfolio

Active Product

Recovery

660 Borrowers

USD 47,454.43 Portfolio

Active Product

Loan Products » Summary

Emergency

138,730 Borrowers

USD 1,453,237.40 Portfolio

Active Product

Water Conn

3,527 Borrowers

USD 144,256.40 Portfolio

Active Product

IGL-Pragati

161,167 Borrowers

USD 18,925,320.75 Portfolio

Active Product

IGL-Pragati+

8,394 Borrowers

USD 353,506.25 Portfolio

Active Product

Indiv

3,219 Borrowers

USD 985,990.98 Portfolio

Active Product

Sanitation

5,260 Borrowers

USD 509,548.58 Portfolio

Active Product

Siksha

10 Borrowers

USD 1,509.43 Portfolio

Low Volume Product

General Loan

Retired Product

Income Generating Loan

Retired Product

Individual Loan (Offered by "Maarg" Division of GFS)

Retired Product

Supplementary Loan

Retired Product

Supplementary Loan 2

Retired Product

Water and Sanitation Loan

Retired 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
Center Loan	PHP 1,000 - 50,000	6 - 24	80% - 100%	20% - 40%	Other, Payment of past due of willful member	Women	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Educational Loan	PHP 3,000 - 20,000	6 - 24	80% - 100%	20% - 40%	Education	Women	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
General Loan	PHP 3,000 - 50,000	6 - 24	80% - 100%	20% - 40%	Business	Women	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Life Insurance
Group Fund Loan	PHP 700 - 49,000	2 - 6	80% - 100%	20% - 40%	Other	Women	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
House Repair Loan	PHP 3,000 - 20,000	6 - 24	80% - 100%	20% - 40%	Housing	Women	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Recovery Loan	PHP 3,000 - 3,000	6	80% - 100%	20% - 40%	Business	Women	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Emergency Loan	INR 1,000 - 1,000	2.5	80% - 100%	20% - 40%	Any Purpose	Women	Credit Educ, Group Mtgs, Business Training
Water Connection Loan	INR 5,000 - 5,000	24	80% - 100%	0% - 20%	Housing, For taking water connection	Women, Have home or land	Credit Educ, Group Mtgs, Credit Ins, Business Training
IGL-Pragati	INR 5,000 - 15,000	12	80% - 100%	0% - 20%	Business	Women
IGL-Pragati Plus	INR 16,000 - 25,000	24	80% - 100%	0% - 20%	Business	Women
Individual Loan	INR 10,000 - 50,000	3 - 9	20% - 40%	80% - 100%	Business	Women, Men, Have business	Credit Educ
Sanitation Loan	INR 7,000 - 10,000	24	0%	0%	Housing, For construction of toilets	Women, Have home or land	Group Mtgs, Business Training
Siksha Loan	INR 10,000 - 15,000	3 - 6	0%	0%	Education	Women, Men	Credit Educ, Group Mtgs

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Center Loan	25.0% annual, Flat	0 Fees	0 Ins	None	N/A	33.1% - 44.3%	33.1% - 44.3%	65
Educational Loan	25.0% annual, Flat	0 Fees	0 Ins	None	N/A	47.3% - 48.4%	47.3% - 48.4%	52
General Loan	25.0% annual, Flat	1 Fee	2 Ins	None	5.00 upfront 5.00 ongoing	70.1%	72.1% - 106.2%	31
Group Fund Loan	0.0% annual, Flat	1 Fee	0 Ins	None	N/A	17.3% - 19.8%	17.3% - 40.9%	0
House Repair Loan	25.0% annual, Flat	0 Fees	0 Ins	None	N/A	47.3% - 47.6%	47.3% - 47.6%	53
Recovery Loan	25.0% annual, Flat	0 Fees	0 Ins	None	None	47.3% - 48.4%	47.3% - 48.4%	52

Loan Products » MFIN India Additional Information

Product Name	APR (int)	MFIN MFI Earning (Annualised)	MFIN Cost to Borrower (Annualised)	MFIN Transparency Index
Emergency Loan	0%	29.1%	30.1%	N/A
Water Connection Loan	0%	0%	0%	N/A
IGL-Pragati	0%	0%	0%	N/A
IGL-Pragati Plus	0%	0%	0%	N/A
Individual Loan	0%	41.3% - 41.4%	42.7% - 44.1%	N/A
Sanitation Loan	0%	0%	0%	N/A
Siksha Loan	0%	0%	0%	N/A

*Please click here for more information

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Emergency Loan	18.8% annual, Decl Bal	1 Fee	0 Ins	None	N/A	29.1%	30.1%	63
Water Connection Loan	21.0% annual, Decl Bal	0 Fees	0 Ins	None	N/A	0%	0%	N/A
IGL-Pragati	26.0% annual, Decl Bal	0 Fees	0 Ins	None	N/A	0%	0%	N/A
IGL-Pragati Plus	26.0% annual, Decl Bal	0 Fees	0 Ins	None	N/A	0%	0%	N/A
Individual Loan	36.0% annual, Decl Bal	0 Fees	1 Ins	None	N/A	41.3% - 41.4%	42.7% - 44.1%	83
Sanitation Loan	21.0% annual, Decl Bal	0 Fees	0 Ins	None	N/A	0%	0%	N/A
Siksha Loan	28.3% annual, Decl Bal	0 Fees	0 Ins	None	None	0%	0%	N/A

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Center Loan	25.0% annual, Flat	0 Fees	0 Ins Ins	None	N/A	33.1% - 44.3%	33.1% - 44.3%	65
Educational Loan	25.0% annual, Flat	0 Fees	0 Ins Ins	None	N/A	47.3% - 48.4%	47.3% - 48.4%	52
General Loan	25.0% annual, Flat	1 Fee	2 Ins Ins	None	5.00 upfront 5.00 ongoing	70.1%	72.1% - 106.2%	31
Group Fund Loan	0.0% annual, Flat	1 Fee	0 Ins Ins	None	N/A	17.3% - 19.8%	17.3% - 40.9%	0
House Repair Loan	25.0% annual, Flat	0 Fees	0 Ins Ins	None	N/A	47.3% - 47.6%	47.3% - 47.6%	53
Recovery Loan	25.0% annual, Flat	0 Fees	0 Ins Ins	None	None	47.3% - 48.4%	47.3% - 48.4%	52

Loan Products » MFIN India Additional Information

Product Name	APR (int)	MFIN MFI Earning (Annualised)	MFIN Cost to Borrower (Annualised)	MFIN Transparency Index
Emergency Loan	0%	29.1%	30.1%	N/A
Water Connection Loan	0%	0%	0%	N/A
IGL-Pragati	0%	0%	0%	N/A
IGL-Pragati Plus	0%	0%	0%	N/A
Individual Loan	0%	41.3% - 41.4%	42.7% - 44.1%	N/A
Sanitation Loan	0%	0%	0%	N/A
Siksha Loan	0%	0%	0%	N/A

*Please click here for more information

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Emergency Loan	18.8% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	29.1%	30.1%	63
Water Connection Loan	21.0% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	0%	0%	N/A
IGL-Pragati	26.0% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	0%	0%	N/A
IGL-Pragati Plus	26.0% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	0%	0%	N/A
Individual Loan	36.0% annual, Decl Bal	0 Fees	1 Ins Ins	None	N/A	41.3% - 41.4%	42.7% - 44.1%	83
Sanitation Loan	21.0% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	0%	0%	N/A
Siksha Loan	28.3% annual, Decl Bal	0 Fees	0 Ins Ins	None	None	0%	0%	N/A

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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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Total Borrrowers of Samples


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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » Pricing Information

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

Total Borrowers of Samples

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