2. AMK
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Saija
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Angkor Microheranhvatho Kampuchea # 442, St. 193, Toul Svayprey 1ChamkarmornPhnom Penh, CambodiaPO Box 855
Data approved: 2013-04-26
Data version: 4
Age of data: 139 months
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Institution

Saija Finance Pvt. Ltd. Uma Complex, 3rd FloorFraser RoadPatna, BahirPO Box 800001
Data approved: 2013-02-08
Data version: 2
Age of data: 139 months
Choose version

Product

Credit Line (KHR) Product 1 of 16 « Prev | Next »

Product

Saija Karobar Rin - Business JLG Product 1 of 2 « Prev | Next »

Product Summary

Number borrowers84,992
Loan Amount (range)KHR 50,000 - 1,000,000
Loan Term (range)3 - 24
Other Services (text summary)Credit Educ, Group Mtgs, Other Training
Annual Interest & Method36.0% annual, Decl Bal
Fees0.50% upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component27.1% - 36.0%
Fee Component0 - 1.8%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)34.1% - 36.6%
Transparency Index (min/max)74 - 106
Transparency Index (average)100

Product Summary

3,131
INR 5,000 - 50,000
11.5 - 24
Credit Ins
26.0% annual, Decl Bal
0.88% upfront
51.00 upfront
12.36% fees
N/A
 
25.9% - 26.3%
0.9% - 2.0%
0 - 1.2%
0.1% - 0.3%
27.5% - 28.8%
88 - 95
92

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 70,299,284,600
Portfolio (USD)USD 17,797,287.24
Active Clients with Loans84,992
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Credit Line (KHR) product has fee charged from clients at the moment of the loan disbursement.
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 insurance
Workplace visits
Business training
Other trainingx
Other
Other (2)
No other services
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 institution24
# Regions for this product23
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Mondulkiri , Oddar Meancheay, Pailin, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo

Product Details

Key Statistics
Outstanding portfolio (INR)INR 48,215,481.10
Portfolio (USD)USD 909,726.06
Active Clients with Loans3,131
Approximate % Female Clients0% - 20%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Business loan is targated at borrowers involved in income generating activities. Loan repayment is on every other day or alternate day basis and collection is on door step from group leader. There are no group meetings associated with this product.
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 insurancex
Workplace visits
Business training
Other training
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 groupx
Household income <60,000 INRx
Household income <120,000 INRx
Must live in rural areax
Must lives in urban areax
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveBihar

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 50,000
Maximum loan size1,000,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,000100%
KHR 1,000,000-3,500,0000
KHR 3,500,000-6,000,0000
KHR 6,000,000-8,000,0000
KHR 8,000,000-10,000,0000
Greater than KHR 10,000,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months30%
Between 13 and 18 months10%
Longer than 18 months60%
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
CurrencyINR
Minimum loan sizeINR 5,000
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than INR 5,0000
INR 5,000-15,00015%
INR 15,000-25,00050%
INR 25,000-35,00030%
INR 35,000-45,0005%
Greater than INR 45,0005%
Loan Term and Grace Period
Shortest loan term11.5 months
Longest loan term24.0 months
Approx average15.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months60%
Between 13 and 18 months40%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0.3 months
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest3.00%
Highest quoted nominal interest3.00%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionAdministration Fee
% of loan amount - min0.50%
% of loan amount - max0.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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
Additional Comments
This product for existing AMK clients who has borrowed 2 cycles and VB member only.

Pricing Information

Interest
Lowest quoted nominal interest26.00%
Highest quoted nominal interest26.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min0.88%
% of loan amount - max0.88%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min51
Fixed amount - max51
Reason for variationInsurance is 51 per 10,000 INR. Cover includes spouse.
Appears on Repayment Sched?Yes
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?Yes
Percentage of fees12.4%
All or some fees taxedSome

Full Pricing Data

Credit Line (KHR) samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountKHR 200,000KHR 300,000KHR 500,000KHR 600,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-04-122013-03-092013-03-132013-04-12
Loan Term (Months)24.0 months12.0 months12.0 months12.0 months
Grace Period (Months)23.1 months11.0 months10.9 months11.0 months
Total Cost of CreditKHR 145,800KHR 103,200KHR 181,000KHR 219,000
True Price by Comp       
Interest price component36.0%33.5%36.0%36.0%
Fee Component0.3%0.6%0.6%0.6%
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)36.3%34.1%36.6%36.6%
Transparency Index991009898
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Saija Karobar Rin - Business JLG samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountINR 5,000INR 10,000INR 20,000INR 30,000INR 40,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2012-09-252012-12-272012-11-162012-12-312012-10-31
Loan Term (Months)11.0 months12.0 months24.0 months24.0 months24.0 months
Grace Period (Months)0.1 months0.2 months0.2 months0.1 months0.0 months
Total Cost of CreditINR 667INR 1,605INR 6,168INR 9,286INR 12,055
True Price by Comp         
Interest price component26.0%25.9%25.9%26.3%25.9%
Fee Component2.0%1.7%0.9%0.9%0.9%
Insurance Component0.0%1.0%0.5%0.6%0.6%
Tax Component0.3%0.2%0.2%0.1%0.1%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)28.3%28.8%27.5%27.9%27.5%
MFIN MFI Earning (Annualised)28.0%27.6%26.8%27.2%26.8%
MFIN Cost to Borrower (Annualised)28.3%28.8%27.5%27.9%27.5%
Transparency Index9290959394
MFIN Transparency Index10010010099100
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
Credit Line (KHR) 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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