2. ACLEDA
Please note that the information you are viewing is 169 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. SEDP
Please note that the information you are viewing is 160 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

ACLEDA Bank Plc. #61, Preah Monivong Blvd.Sangkat Srah Chork, Khan Daun PenhPhnom Penh, CambodiaN/A
Data approved: 2011-02-02
Data version: 2
Age of data: 169 months
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Institution

Simbag sa Pag-Asenso, Inc. 3/F SAC Building, Cathedral CompoundAlbay DistrictLegazpi City4500
Data approved: 2011-11-15
Data version: 1
Age of data: 160 months

Product

Small Loan (KHR) Product 4 of 6 « Prev | Next »

Product

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Product Summary

Number borrowers5,221
Loan Amount (range)KHR 6,000,001 - 39,999,999
Loan Term (range)6 - 24
Other Services (text summary)
Annual Interest & Method24.0%-28.8% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component26.8% - 29.2% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)26.8% - 29.2%
Transparency Index (min/max)78 - 95
Transparency Index (average)87

Product Summary

722
PHP 1,000 - 10,000
5
Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
24.0% annual, Flat
3.00% upfront
2.00% upfront 20.00 ongoing
None
5.0% upfront 10.00 ongoing
 
N/A
64.1% - 72.7% (Int+Fee)
6.4% - 75.9%
0
82.2% - 96.0%
15 - 34
28

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 36,367,059,091
Portfolio (USD)USD 9,206,850.40
Active Clients with Loans5,221
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Small Loan is developed to support financial sources to Borrowers for expansion of their businesses, including manufactures, trades, agriculture, services and tourism for individuals.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried worker
Must be specific age group
Other
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 (PHP)PHP 2,112,654
Portfolio (USD)USD 50,541.96
Active Clients with Loans722
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
OtherModified Grameen
Description
An incentive loan used as additional capital for member's enterprise, with a maximum loan amount of P10,000.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherMember for > 6 months
Other (2)At least on the 2nd cycle of regular loan
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 6,000,001
Maximum loan size39,999,999
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term24.0 months
Approx average12.0 months
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

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 1,000
Maximum loan size10,000
Loan Term and Grace Period
Shortest loan term5.0 months
Longest loan term5.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest2.40%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
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

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest2.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionService Fee
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLoan Redemption Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
Ins 1
DescriptionLife 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 deposited5.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 10
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid4.00%
Maximum interest rate paid4.00%
Interest payment frequencyQuarterly
Taxes
Are taxes charged on this product?No
Additional Comments
CBU can be withdrawn, provided certain conditions are met (for business or emergency use, 25% of loan balance is maintained). Posting of interest on CBU is semi-annually (June and December) Life insurance and savings is collected only once per member, regardless of how many loans they have.

Full Pricing Data

Small Loan (KHR) samples
Sample 3Sample 4Sample 5Sample 6
Loan AmountKHR 7,000,000KHR 7,500,000KHR 9,000,000KHR 10,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2010-10-272010-10-262010-10-282010-10-05
Loan Term (Months)12.0 months12.0 months18.0 months24.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component29.2%26.8%28.0%26.8%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)29.2%26.8%28.0%26.8%
Transparency Index82908690
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Sagip Asenso samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 3,000PHP 3,000PHP 7,000PHP 7,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-07-142011-06-072011-06-012011-06-01
Loan Term (Months)4.0 months5.0 months5.0 months5.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component72.7%65.0%65.0%64.1%
Insurance Component14.5%11.1%11.1%10.9%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component8.8%7.4%7.4%7.2%
Full APR (int fee ins tax dep)96.0%83.5%83.5%82.2%
Transparency Index25292929
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Small Loan (KHR) Price Graphs


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Sagip Asenso 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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