ACLEDA Bank Plc. - Small Loan (THB) - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 170 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: 170 months

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Product

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

Product Details

Key Statistics

Outstanding portfolio (THB)	THB 184,066,879.40
Portfolio (USD)	USD 6,239,555.23
Active Clients with Loans	2,140
Approximate % Female Clients	40% - 60%
Approximate % Urban Clients	40% - 60%

Methodology

Individual	x
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 generation	x
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 services	x

Eligibility

Men	x
Women	x
Must run a business	x
Must own a home or land	x
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 institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	THB
Minimum loan size	THB 60,001
Maximum loan size	399,999

Loan Term and Grace Period

Shortest loan term	6.0 months
Longest loan term	24.0 months
Approx average	12.0 months

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	2.00%
Highest quoted nominal interest	2.40%
Reason(s) why interest rate varies	Branch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose
Interest rate period	Monthly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

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 for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Small Loan (THB) samples

	Sample 1	Sample 2	Sample 3	Sample 4
Loan Amount	THB 75,000	THB 80,000	THB 61,000	THB 62,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2010-10-27	2010-10-15	2010-10-01	2010-10-21
Loan Term (Months)	9.0 months	18.0 months	12.0 months	20.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	29.2%	29.2%	29.2%	29.3%
Insurance Component	0.0%	0.0%	0.0%	0.0%
Tax Component	0.0%	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	29.2%	29.2%	29.2%	29.3%
Transparency Index	82	82	82	82

Original Repayment Schedule	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF

Small Loan (THB) Price Graphs

Click to view Price Analysis Tool

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
1st Valley Bank	38,900	48,291,000	3	161
AJDFI	13,100	884,000	6	161
ARDCI	44,600	9,403,000	1	161
ASA Philippines	333,400	29,282,000	1	161
ASHI	35,400	5,231,000	6	161
ASKI	60,000	15,247,000	4	161
Bangko Kabayan	8,900	2,373,000	2	161
BSEI	600	73,000	2	161
CBI	8,100	2,010,000	5	161
CCT	70,300	9,504,000	4	161
CEV	35,400	5,111,000	4	161
DSPI	59,300	3,676,000	3	161
ECLOF	5,400	1,836,000	4	161
FCB	12,000	2,392,000	2	161
FMB	2,700	710,000	2	161
GM Bank	23,500	1,553,000	3	161
HSPFI	19,100	1,899,000	2	161
JVOFI	1,300	281,000	1	161
Katipunan Bank	42,100	5,325,000	2	161
KDCI	20,500	2,095,000	3	161
KGI	32,300	3,421,000	4	161
KMBI	245,000	15,098,000	1	161
LTMPC	37,400	8,935,000	3	161
Mallig Plains	6,500	641,000	2	161
MILAMDEC	29,800	3,278,000	2	161
MWIMPC	11,800	1,740,000	4	160
NWTF	105,500	12,698,000	5	161
OFMPC	4,400	964,000	1	161
PBC	50,700	10,434,000	4	161
PCSD	700	167,000	1	161
PMPC	23,500	5,565,000	8	161
RB Angeles	900	1,502,000	2	161
RB Labason	500	289,000	1	161
RBLI	5,200	1,026,000	2	161
RBMI	11,900	1,750,000	2	161
RMB	100	173,000	1	161
RSPI	39,600	2,834,000	4	161
SAFRAGEMC	1,100	229,000	1	161
Salve	10,900	1,191,000	3	161
SEDP	27,000	3,914,000	3	161
TSKI	212,900	25,187,000	2	161
TSPI	264,500	31,290,000	7	161
Valient	1,700	672,000	2	161

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

	X Axis
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N (# of Samples)
Total Borrrowers of Samples


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