Ahon sa Hirap, Inc.
Loan for various production inputs such as those required for land preparation, fertilizers and other farm inputs
Product Overview & Scale
- Fsp NameAhon sa Hirap, Inc.
- Fsp ID100872
- As of Date1/1/18
- CurrencyUSD
- Product NameASHI-AGAP Loan
- CountryPhilippines
- Total Clients Bracket50,000- 100,000
- Product Clients Bracket<10,000
- Number of Product Clients2,356
- Percent of Total Clients that are Product Clients5%
- Average Loan Size Per Client349
- Average Loan Size Per Client349
Financial Structure & Pricing
- loan or product structure is flexibleTRUE
- repayment structure is flexibleTRUE
- loan or product term covers growing seasonTRUE
- grace period offeredTRUE
- group or individual loanIndividual
- apr20%
- average loan processing time days5
- if flat rate whyN/A
- is apr or other transparent pricing communicated to clientsTRUE
- type of primary insurance productTraditional crop insurance
- average premium per client in last 12 months for primary insurance product20.7
- annualized repayment rate of the product98- 100%
Value Chain Support
- inputs assets services are readily availableFALSE
- inputs assets services are available at time demanded by clientFALSE
- inputs assets services available within reasonable distance of clientFALSE
- inputs assets services are of good qualityFALSE
- type of inputs offeredN/A
- informal management services providedFALSE
- formal programs in place for post harvest managementFALSE
- informal linkages exist between clients and buyers producersTRUE
- formal linkages exist between clients and buyers producersTRUE
- guaranteed market opportunities exist for clientsTRUE
- guaranteed market opportunities exist for clients if yes describeA cluster of farmers is an accredited supplier of spring onion in an institutional market
- if yes to above do over 50 of clients use the service programFALSE
- do over 50 of clients use the service program if yes describeAt least 5% only
Training
- agricultural training available to clientsTRUE
- agricultural training available to clients using formal curriculumTRUE
- multiple agricultural trainings delivered during product cycleTRUE
- organization does quality checks on trainingsTRUE
- financial literacy training takes places yes noTRUE
- classroom theoretical training offered by administering partyFALSE
- training engages clients in participatory learning with additional materialsTRUE
- training is offered in a convenient location for clientsTRUE
Measuring Impact
- regular measurement of farmer yields takes placeTRUE
- regular measurement of farmer yields takes place if yes describeBut only to organized clusters assisted in collective marketing.
- formal measurement with strong control groupFALSE
- rct or other academic quality work done to verify resultsFALSE
- measurement of change to profit income or poverty reduction takes placeTRUE
- using methodical process over time to measure changeTRUE
- using methodical process over time to measure change if yes describeEvery loan application based on Progress Out of Poverty index results.
- what type of poverty measurement metric is usedProgress out of Poverty Index (PPI)