| Number borrowers | 119 |
| Loan Amount (range) | THB 5,000 - 80,000 |
| Loan Term (range) | 3 - 18 |
| Other Services (text summary) | Credit Educ |
| Annual Interest & Method | 27.6%-33.6% annual, Decl Bal |
| Fees | 0.50% upfront |
| Insurance | None |
| Tax | None |
| Comp Dep | N/A |
| Range of pricing | |
| Interest Price Component | 27.1% - 36.0% |
| Fee Component | 0 - 1.8% |
| Insurance Component | 0 |
| Tax Component Range | 0 |
| Full APR (int fee ins tax dep) | 30.6% - 34.5% |
| Transparency Index (min/max) | 74 - 106 |
| Transparency Index (average) | 85 |
| 2,402 |
| PHP 20,000 - 35,000 |
| 3 - 5 |
| Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits |
| 36.0% annual, Flat |
| None |
| 1.11%-7.78% upfront 2.50% upfront |
| None |
| 5.0% upfront 200.00 ongoing |
| N/A |
| 26.6% - 32.1% (Int+Fee) |
| 0 - 13.8% |
| 0 |
| 42.7% - 48.5% |
| 32 - 95 |
| 80 |
| Outstanding portfolio (THB) | THB 3,295,441 |
| Portfolio (USD) | USD 111,709.86 |
| Active Clients with Loans | 119 |
| Approximate % Female Clients | 80% - 100% |
| Approximate % Urban Clients | 0% - 20% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | x |
| Group meetings | |
| Credit insurance | |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| 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) |
| # Regions for this institution | 24 |
| # Regions for this product | 2 |
| Regions Active | Banteay Meanchey, Koh Kong |
| Outstanding portfolio (PHP) | PHP 60,821,762.73 |
| Portfolio (USD) | USD 1,455,066.09 |
| Active Clients with Loans | 2,402 |
| Approximate % Female Clients | 0% - 20% |
| Approximate % Urban Clients | 0% - 20% |
| Individual | |
| Solidarity group | x |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | x |
| Education | |
| Other household finance | |
| Other | Rice Farmers |
| Other (2) |
| Credit education | x |
| Group meetings | x |
| Credit insurance | x |
| Workplace visits | x |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | Land tenants with at least 5 years of farming experience |
| Other (2) | Has access to irrigation |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Currency | THB |
| Minimum loan size | THB 5,000 |
| Maximum loan size | 80,000 |
| Loans less than THB 10,000 | 0 |
| THB 10,000-30,000 | 40% |
| THB 30,000-50,000 | 30% |
| THB 50,000-70,000 | 10% |
| THB 70,000-90,000 | 20% |
| Greater than THB 90,000 | 20% |
| Shortest loan term | 3.0 months |
| Longest loan term | 18.0 months |
| Approx average | 12.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 0 |
| Between 7 and 9 months | 0 |
| Between 10 and 12 months | 20% |
| Between 13 and 18 months | 80% |
| 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 |
| Currency | PHP |
| Minimum loan size | PHP 20,000 |
| Maximum loan size | 35,000 |
| Shortest loan term | 3.0 months |
| Longest loan term | 5.0 months |
| Approx average | 4.0 months |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | x |
| Irregular payments |
| Lowest quoted nominal interest | 2.30% |
| Highest quoted nominal interest | 2.80% |
| Reason(s) why interest rate varies | Branch, Time as Client, Client Risk |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | |
|---|---|
| Description | Administration Fee |
| % of loan amount - min | 0.50% |
| % of loan amount - max | 0.50% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | No |
| 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 |
| Lowest quoted nominal interest | 3.00% |
| Highest quoted nominal interest | 3.00% |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Flat |
| Subsidized by funder request? | |
| Is rate fixed for entire loan term | Yes |
| Ins 1 | Ins 2 | ||
|---|---|---|---|
| Description | PCIC Crop Insurance | Credit-Life Insurance | |
| % of loan amount - min | 1.11% | 2.50% | |
| % of loan amount - max | 7.78% | 2.50% | |
| OR, Fixed amount - min | 0 | 0 | |
| Fixed amount - max | 0 | 0 | |
| Reason for variation | N/A | N/A | |
| Appears on Repayment Sched? | No | No |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | |
| Do borrowers control deposit in their group? |
| % loan amount deposited | 5.00% |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | PHP 200 |
| Conditions on access to deposit | When Leaving |
| Minimum interest rate paid | 5.00% |
| Maximum interest rate paid | 5.00% |
| Interest payment frequency | Monthly |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Loan Amount | THB 10,000 | THB 15,000 | THB 20,000 | THB 40,000 | THB 60,000 | THB 80,000 | |||||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
| Disbursement Date | 2012-06-15 | 2012-05-08 | 2012-05-04 | 2012-01-13 | 2013-03-18 | 2013-03-06 | |||||
| Loan Term (Months) | 12.0 months | 13.0 months | 19.0 months | 18.0 months | 12.0 months | 18.0 months | |||||
| Grace Period (Months) | 0.1 months | 0.4 months | 0.3 months | -0.2 months | 11.2 months | 0.0 months | |||||
| Total Cost of Credit | THB 1,865 | THB 3,031 | THB 5,227 | THB 9,960 | THB 18,550 | THB 19,695 | |||||
| True Price by Comp | |||||||||||
| Interest price component | 32.4% | 33.6% | 31.2% | 31.2% | 30.0% | 30.1% | |||||
| Fee Component | 1.0% | 0.9% | 0.7% | 0.8% | 0.6% | 0.7% | |||||
| Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
| Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
| Deposit Component | 0.0% | 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 Index | 83 | 80 | 86 | 86 | 90 | 90 | |||||
| Original Repayment Schedule | |||||||||||
| MFT Pricing Calculation |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | PHP 30,000 | PHP 30,000 | PHP 30,000 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
| Disbursement Date | 2010-12-07 | 2010-11-18 | 2010-12-08 | ||
| Loan Term (Months) | 5.0 months | 5.0 months | 5.0 months | ||
| Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | ||
| Total Cost of Credit | Not Known | Not Known | Not Known | ||
| True Price by Comp | |||||
| Interest and Fee Component | 26.6% | 32.1% | 27.9% | ||
| Insurance Component | 13.7% | 13.8% | 13.7% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 2.4% | 2.7% | 2.4% | ||
| Full APR (int fee ins tax dep) | 42.7% | 48.5% | 44.1% | ||
| Transparency Index | 84 | 74 | 82 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
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