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CEVI

Loan supporting agricultural production. Primarily applied to rice and maize (corn) cultivation, but also supports small livestock and fishing including financing for inputs and labor.

Product Overview & Scale

  • Fsp NameCEVI
  • Fsp ID100807
  • As of Date6/30/17
  • CurrencyUSD
  • Product NameCrop Loan
  • CountryPhilippines
  • Total Clients Bracket50,000- 100,000
  • Product Clients Bracket<10,000
  • Number of Product Clients6,229
  • Percent of Total Clients that are Product Clients11%
  • Average Loan Size Per Client150
  • Average Loan Size Per Client150

Financial Structure & Pricing

  • loan or product structure is flexibleFALSE
  • repayment structure is flexibleFALSE
  • loan or product term covers growing seasonTRUE
  • grace period offeredFALSE
  • group or individual loanIndividual
  • apr48%
  • average loan processing time days5
  • if flat rate whyN/A
  • is apr or other transparent pricing communicated to clientsTRUE
  • type of primary insurance productLife/funeral insurance
  • total insurance coverage in the last 12 months for primary insurance product2000
  • total pay outs to clients in last 12 months for primary insurance product2000
  • average premium per client in last 12 months for primary insurance product10
  • average deposit size20
  • annualized repayment rate of the product95- 98%

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 producersFALSE
  • formal linkages exist between clients and buyers producersFALSE
  • guaranteed market opportunities exist for clientsFALSE

Training

  • agricultural training available to clientsFALSE
  • agricultural training available to clients using formal curriculumFALSE
  • multiple agricultural trainings delivered during product cycleFALSE
  • organization does quality checks on trainingsFALSE
  • financial literacy training takes places yes noFALSE
  • classroom theoretical training offered by administering partyFALSE
  • training engages clients in participatory learning with additional materialsFALSE
  • training is offered in a convenient location for clientsTRUE

Measuring Impact

  • regular measurement of farmer yields takes placeFALSE
  • 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 placeFALSE
  • using methodical process over time to measure changeFALSE
  • what type of poverty measurement metric is usedProgress out of Poverty Index (PPI)