Product mix ?
Fragment of a discussion from Translating talk:Mifos/LiquidThreads
I think it is a combination of the options you proposed. I'll point you right to the source instead of trying to paraphrase: http://article.gmane.org/gmane.comp.finance.mifos.user/732
I've documented my understanding of it in the Glossary: http://translatewiki.net/wiki/Translating:Mifos/Glossary#P