2. AMK
Please note that the information you are viewing is 140 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. East Mamprusi
Please note that the information you are viewing is 141 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: 140 months
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Institution

East Mamprusi Community Bank GambagaNorthern RegionP.O Box 11
Data approved: 2013-03-26
Data version: 2
Age of data: 141 months
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Product

individual Inst ID (KHR) Product 7 of 16 « Prev | Next »

Product

Farming Loan Product 3 of 4 « Prev | Next »

Product Summary

Number borrowers5,079
Loan Amount (range)KHR 400,000 - 8,000,000
Loan Term (range)3 - 18
Other Services (text summary)Credit Educ, Other Training
Annual Interest & Method27.6%-36.0% 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)31.9% - 37.1%
Transparency Index (min/max)74 - 106
Transparency Index (average)81

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 11,703,225,800
Portfolio (USD)USD 2,962,841.98
Active Clients with Loans5,079
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Individual Inst ID (KHR) is provided to all the clients, the installments are paid every month and the fee only at the disbursment.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
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 groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution24
# Regions for this product24
Regions ActiveBanteay 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

Product Details


This product either has less than 50 active borrowers or less than 10 loan disbursements over the past 9 months. MFTransparency presents basic data rather than full data for low volume products
Key Statistics
Outstanding portfolio (GHS)GHS 456,320
Portfolio (USD)USD 231,634.52
Active Clients with Loans725
Approximate % Female Clients
Approximate % Urban Clients
Description
Designed for farming purposes to increase yields.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age groupx
OtherMust be a farmer
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 400,000
Maximum loan size8,000,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,0000
KHR 1,000,000-3,500,00050%
KHR 3,500,000-6,000,00030%
KHR 6,000,000-8,000,00020%
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 term18.0 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 months70%
Longer than 18 months0
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

Pricing Information

Interest
Lowest quoted nominal interest2.30%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk
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?No
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
We charge 3% from clients who borrow for less than 24 months and charge 2.5% for good clients with a term exceeding 24 months of loan. The grace period of 4 month is accepted for agriculture loans only. Maximum amount of 8 M KHR, the amount range above is real disbursed to clients.

Full Pricing Data

individual Inst ID (KHR) samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountKHR 1,000,000KHR 1,200,000KHR 2,500,000KHR 5,000,000KHR 7,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-03-292013-02-122013-03-272013-04-092013-03-20
Loan Term (Months)12.0 months12.0 months15.0 months18.0 months18.0 months
Grace Period (Months)-0.3 months-0.3 months-0.3 months0.2 months0.0 months
Total Cost of CreditKHR 194,200KHR 219,600KHR 540,700KHR 1,295,200KHR 1,785,000
True Price by Comp         
Interest price component36.0%33.6%32.4%31.2%31.2%
Fee Component1.1%1.0%0.9%0.7%0.8%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)37.1%34.6%33.3%31.9%32.0%
Transparency Index7480838686
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
individual Inst ID (KHR) Price Graphs


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