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. Union RB
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
Choose version

Institution

Union Rural Bank Limited Head OfficeSenya Bereku, Central RegionP.O. Box 5
Data approved: 2013-02-26
Data version: 2
Age of data: 141 months
Choose version
  • No previous version for this product.

Product

Inst ID (THB) Product 8 of 16 « Prev | Next »

Product

Business Loan Product 4 of 5 « Prev | Next »

Product Summary

Number borrowers119
Loan Amount (range)THB 5,000 - 80,000
Loan Term (range)3 - 18
Other Services (text summary)Credit Educ
Annual Interest & Method27.6%-33.6% 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)30.6% - 34.5%
Transparency Index (min/max)74 - 106
Transparency Index (average)85

Product Summary

435
GHS 200 - 25,000
1 - 12
Credit Educ, Business Training
35.00% annual, Flat
2 fees
None
None
N/A
 
51.3% - 85.2%
6.0% - 24.9%
0
0
68.2% - 68.7%
37 - 56
51

Product Details

Key Statistics
Outstanding portfolio (THB)THB 3,295,441
Portfolio (USD)USD 111,709.86
Active Clients with Loans119
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Inst ID (THB) is designed for clients who need to increase their loan size.
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 training
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 product2
Regions ActiveBanteay Meanchey, Koh Kong

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 591,337.42
Portfolio (USD)USD 300,171.28
Active Clients with Loans435
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Designed for individuals with businesses.
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 trainingx
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 group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product2
Regions ActiveGreater Accra Region, Central Region

Loan Conditions

Loan Amount
CurrencyTHB
Minimum loan sizeTHB 5,000
Maximum loan size80,000
Distribution at Disbursement (Est.)
Loans less than THB 10,0000
THB 10,000-30,00040%
THB 30,000-50,00030%
THB 50,000-70,00010%
THB 70,000-90,00020%
Greater than THB 90,00020%
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 months20%
Between 13 and 18 months80%
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

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 200
Maximum loan size25,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,0000
GHS 1,000-5,0000
GHS 5,000-7,50010%
GHS 7,500-10,00010%
GHS 10,000-13,00015%
Greater than GHS 13,00015%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term12.0 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 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period1.0 month
Repayment Frequency
Daily
Weeklyx
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 interest2.80%
Reason(s) why interest rate variesBranch, Time as Client, 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

Pricing Information

Interest
Lowest quoted nominal interest35.00%
Highest quoted nominal interest35.00%
Reason(s) why interest rate variesClient Risk
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionLoan Form FeeCommitment Fee
% of loan amount - min05.00%
% of loan amount - max05.00%
OR, Fixed amount - min50
Fixed amount - max50
Reason for variationN/AN/A
Appears on Repayment Sched?NoYes
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

Full Pricing Data

Inst ID (THB) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountTHB 10,000THB 15,000THB 20,000THB 40,000THB 60,000THB 80,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2012-06-152012-05-082012-05-042012-01-132013-03-182013-03-06
Loan Term (Months)12.0 months13.0 months19.0 months18.0 months12.0 months18.0 months
Grace Period (Months)0.1 months0.4 months0.3 months-0.2 months11.2 months0.0 months
Total Cost of CreditTHB 1,865THB 3,031THB 5,227THB 9,960THB 18,550THB 19,695
True Price by Comp           
Interest price component32.4%33.6%31.2%31.2%30.0%30.1%
Fee Component1.0%0.9%0.7%0.8%0.6%0.7%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)33.4%34.5%31.9%32.0%30.6%30.8%
Transparency Index838086869090
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Business Loan samples
Sample 1Sample 2Sample 3
Loan AmountGHS 8,000GHS 15,000GHS 20,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-03-132013-01-092013-01-21
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.1 months
Total Cost of CreditGHS 3,204.96GHS 6,005GHS 8,013
True Price by Comp     
Interest price component57.6%58.1%57.9%
Fee Component10.6%10.6%10.6%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)68.2%68.7%68.5%
Transparency Index515151
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Inst ID (THB) Price Graphs


Click to view Price Analysis Tool
Business Loan Price Graphs


Click to view Price Analysis Tool
Caps / Zoom options
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
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞