| Outstanding portfolio (KHR) | KHR 1,428,525,000 |
| Portfolio (USD) | USD 361,651.90 |
| Active Clients with Loans | 4,029 |
| Approximate % Female Clients | 80% - 100% |
| Approximate % Urban Clients | 0% - 20% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | x |
| Other | |
| Other (2) |
| Credit education | |
| Group meetings | |
| Credit insurance | |
| Workplace visits | |
| Business training | |
| Other training | x |
| Other | |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | |
| Must own a home or land | x |
| Must be a salaried worker | |
| Must be specific age group | x |
| Other | |
| Other (2) |
| # Regions for this institution | 24 |
| # Regions for this product | 24 |
| Regions Active | Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Mondulkiri , Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo |
| Currency | KHR |
| Minimum loan size | KHR 10,000 |
| Maximum loan size | 400,000 |
| Loans less than KHR 1,000,000 | 100% |
| KHR 1,000,000-3,500,000 | 0 |
| KHR 3,500,000-6,000,000 | 0 |
| KHR 6,000,000-8,000,000 | 0 |
| KHR 8,000,000-10,000,000 | 0 |
| Greater than KHR 10,000,000 | 0 |
| Shortest loan term | 1.0 month |
| Longest loan term | 10.0 months |
| Approx average | 8.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 5% |
| Between 7 and 9 months | 15% |
| Between 10 and 12 months | 80% |
| Between 13 and 18 months | 0 |
| Longer than 18 months | 0 |
| Grace period usage | 0 |
| Average grace period | 0 |
| 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 |
| Lowest quoted nominal interest | 2.50% |
| Highest quoted nominal interest | 2.50% |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Required for | Never |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | N/A |
| Do borrowers control deposit in their group? | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| Conditions on access to deposit | N/A |
| Minimum interest rate paid | N/A |
| Maximum interest rate paid | N/A |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | KHR 250,000 | KHR 300,000 | KHR 300,000 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
| Disbursement Date | 2013-02-15 | 2013-03-27 | 2013-04-23 | ||
| Loan Term (Months) | 11.0 months | 9.0 months | 9.0 months | ||
| Grace Period (Months) | 10.2 months | 8.0 months | 8.3 months | ||
| Total Cost of Credit | KHR 70,100 | KHR 68,000 | KHR 69,900 | ||
| True Price by Comp | |||||
| Interest price component | 30.0% | 30.2% | 30.1% | ||
| Fee Component | 0.0% | 0.0% | 0.0% | ||
| Insurance Component | 0.0% | 0.0% | 0.0% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 0.0% | 0.0% | 0.0% | ||
| Full APR (int fee ins tax dep) | 30.0% | 30.2% | 30.1% | ||
| Transparency Index | 100 | 99 | 100 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.duterimbere-IMF.com |
| Year established | 2004 |
| Head of Institution | Delphin Ngamije |
| Regions active | Burera, Gakenke, Gasabo, Gatsibo, Gisagara, Huye, KamonyiKayonza, Kicukiro, Kirehe, Muhanga, Musanze, Ngororero, Nyabihu, Nyagatare, Nyanza, Nyarugenge, Rubavu |
| # Branches | 17 |
| Total Portfolio (nat'l) | RWF 2,793,628,305 |
| Total Portfolio (USD) | USD 4,365,044.23 |
| Active clients with loans | 6,607 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | AMIR, Terrafina, AMT |
| Funders | Trovaire, International Alert, Oxfam GB, PDRCIU |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | RWF 100,000 - 2,500,000 | 12 | 60% - 80% | 0% - 20% | Business | Women, Men | Credit Educ, Tech Asst Visits, Business Training | |||||||
| Credit Femme Entrepreneur Loan | RWF 600,000 - 10,000,000 | 3 - 36 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business | Tech Asst Visits, Business Training | |||||||
| Group Solidaire Commerce Loan | RWF 100,000 - 2,500,000 | 6 - 8 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business | Group Mtgs, Tech Asst Visits, Business Training, Other Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 24.00% annual, Flat | 1 Fee | 0 Ins | 18.00% fees | 20.00% upfront | 35.4% - 35.6% | 52% - 52.3% | 46 | ||||||||
| Credit Femme Entrepreneur Loan | 15.00% annual, Flat | 1 Fee | 1 Ins | 18.00% fees | N/A | 27.2% - 28.1% | 27.9% - 28.9% | 52 | ||||||||
| Group Solidaire Commerce Loan | 24.00% annual, Flat | 1 Fee | 0 Ins | 18.00% fees | 20.00% upfront | 46% - 49.8% | 78.9% - 85.4% | 29 |
| Key Statistics | |
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| # Samples: | |
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| Loan Portfolio (USD) | |
| % Products using declining balance | |
| % Products with one or more fee | |
| % Products with one or more insurances | |
| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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