2. PMPC
Please note that the information you are viewing is 152 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. RUCREF
Please note that the information you are viewing is 157 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Paglaum Multi Purpose Cooperative 2F PMPC Bldg., Eastern LoocPlaridel, Misamis Occidental7209
Data approved: 2011-11-15
Data version: 1
Age of data: 152 months

Institution

Rural Credit Finance Company Ltd Roberta PlazaPlot 202/203, Hoima RoadKampala, Central RegionPO Box 29632
Data approved: 2011-06-29
Data version: 1
Age of data: 157 months

Product

Barangay Official Livelihood Assistance Product 1 of 8 « Prev | Next »

Product

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Product Summary

Number borrowers670
Loan Amount (range)PHP 500 - 15,000
Loan Term (range)6 - 36
Other Services (text summary)Credit Educ, Credit Ins
Annual Interest & Method22.8% annual, Flat
Fees4.00% upfront 50.00 upfront
Insurance1.50% upfront 20.00 ongoing
TaxNone
Comp Dep6.5% upfront 26.00 ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component44.9% - 52.7% (Int+Fee)
Insurance Component2.2% - 83.9%
Tax Component Range0
Full APR (int fee ins tax dep)59.2% - 79.8%
Transparency Index (min/max)15 - 136
Transparency Index (average)35

Product Summary

1,369
UGX 500,000 - 15,000,000
4 - 10
Credit Educ, Credit Ins
48.00% annual, Flat
2 fees
1.00% upfront
None
N/A
 
N/A
89.5% - 96.4% (Int+Fee)
0 - 6.9%
0
92.3% - 100.6%
38 - 58
49

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 10,280,041.88
Portfolio (USD)USD 245,934.02
Active Clients with Loans670
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
To provide financial assistance to all Barangay Officials under the BOLA Program for the purposes of; Business activities, livelihood projects, providential purpose, medical, educational
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherBarangay Officials
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 1,399,203,000
Portfolio (USD)USD 559,681
Active Clients with Loans1,369
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Targeted to people running businesses both urban and rural
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
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 workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveCentral

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 500
Maximum loan size15,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term36.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 monthsx
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 500,000
Maximum loan size15,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00020%
UGX 1,000,000-5,000,00015%
UGX 5,000,000-7,500,00015%
UGX 7,500,000-10,000,00015%
UGX 10,000,000-13,000,00015%
Greater than UGX 13,000,00015%
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term10.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months30%
Between 7 and 9 months40%
Between 10 and 12 months30%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest1.90%
Highest quoted nominal interest1.90%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionService FeeNotarial Fee
% of loan amount - min4.00%0
% of loan amount - max4.00%0
OR, Fixed amount - min050
Fixed amount - max050
Reason for variationN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Insurance
% of loan amount - min1.50%
% of loan amount - max1.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
Ins 1
DescriptionMBA, Life and Retirement Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min20
Fixed amount - max20
Reason for variationN/A
Appears on Repayment Sched?No
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 deposited6.50%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 26
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid3.00%
Maximum interest rate paid3.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest4.00%
Highest quoted nominal interest4.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionApplication FeeCommission, Stamp Duty & Bank Charges
% of loan amount - min1.00%3.00%
% of loan amount - max1.00%3.33%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variation1% or 10,000Commission(2%), Stamp Duty (5000-1%), Bank Charges (0.33% or 5000)
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Life 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 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

Full Pricing Data

Barangay Official Livelihood Assistance samples
Sample 1Sample 2Sample 3
Loan AmountPHP 3,671.47PHP 8,888.90PHP 15,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2010-09-302010-06-302010-12-16
Loan Term (Months)10.0 months24.0 months10.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component52.7%44.9%48.9%
Insurance Component15.0%6.1%6.1%
Tax Component0.0%0.0%0.0%
Deposit Component12.1%8.2%7.0%
Full APR (int fee ins tax dep)79.8%59.2%62.0%
Transparency Index293937
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Individual Business loans samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUGX 700,000UGX 1,500,000UGX 3,000,000UGX 6,000,000UGX 8,000,000UGX 12,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known00
Disbursement Date2010-11-202010-11-092010-11-092010-11-292010-11-152010-11-20
Loan Term (Months)6.0 months6.0 months6.0 months10.0 months8.0 months3.0 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 Component96.4%93.3%92.6%89.5%90.6%92.9%
Insurance Component4.2%4.1%4.1%2.8%3.3%6.9%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)100.6%97.4%96.7%92.3%93.9%99.8%
Transparency Index484950525148
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Barangay Official Livelihood Assistance Price Graphs


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