Number borrowers | 733 |
Loan Amount (range) | THB 5,000 - 60,000 |
Loan Term (range) | 3 - 12 |
Other Services (text summary) | Credit Educ, Group Mtgs, Credit Ins |
Annual Interest & Method | 31.2%-36.0% 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% - 34.2% |
Transparency Index (min/max) | 74 - 106 |
Transparency Index (average) | 95 |
113,512 |
INR 7,500 - 15,000 |
12 - 18 |
Credit Educ, Group Mtgs, Credit Ins |
26.0% annual, Decl Bal |
1.00% upfront |
1.40%-1.50% upfront |
12.36% fees |
N/A |
25.3% - 25.8% |
1.4% |
2.0% - 2.1% |
0.1% - 0.2% |
28.9% - 29.5% |
88 - 90 |
89 |
Outstanding portfolio (THB) | THB 25,643,330 |
Portfolio (USD) | USD 869,265.42 |
Active Clients with Loans | 733 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
Individual | |
Solidarity group | x |
Village banking | |
Self help group | |
Other |
Any purpose | x |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | Seasonal purpose only |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | x |
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 | 1 |
Regions Active | Banteay Meanchey |
Outstanding portfolio (INR) | INR 1,024,421,625 |
Portfolio (USD) | USD 19,328,709.91 |
Active Clients with Loans | 113,512 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 80% - 100% |
Individual | |
Solidarity group | x |
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 | x |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services |
Men | |
Women | x |
Must run a business | |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Household income <60,000 INR | |
Household income <120,000 INR | |
Must live in rural area | |
Must lives in urban area | |
Other | |
Other (2) |
# Regions for this institution | 1 |
# Regions for this product | 1 |
Regions Active | Tamil Nadu |
Currency | THB |
Minimum loan size | THB 5,000 |
Maximum loan size | 60,000 |
Loans less than THB 10,000 | 0 |
THB 10,000-30,000 | 40% |
THB 30,000-50,000 | 30% |
THB 50,000-70,000 | 30% |
THB 70,000-90,000 | 0 |
Greater than THB 90,000 | 0 |
Shortest loan term | 3.0 months |
Longest loan term | 12.0 months |
Approx average | 5.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 100% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 100% |
Average grace period | DK |
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 | INR |
Minimum loan size | INR 7,500 |
Maximum loan size | 15,000 |
Loans less than INR 5,000 | 0 |
INR 5,000-15,000 | 100% |
INR 15,000-25,000 | 0 |
INR 25,000-35,000 | 0 |
INR 35,000-45,000 | 0 |
Greater than INR 45,000 | 0 |
Shortest loan term | 12.0 months |
Longest loan term | 18.0 months |
Approx average | DK |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 0 |
Between 13 and 18 months | 100% |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | DK |
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 | 2.60% |
Highest quoted nominal interest | 3.00% |
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 | 26.00% |
Highest quoted nominal interest | 26.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Processing Fee |
% of loan amount - min | 1.00% |
% of loan amount - max | 1.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | Service Tax Extra |
Appears on Repayment Sched? | Yes |
Ins 1 | |
---|---|
Description | Insurance |
% of loan amount - min | 1.40% |
% of loan amount - max | 1.50% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | Fee depends on loan size |
Appears on Repayment Sched? | 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? | Yes |
Percentage of fees | 12.4% |
All or some fees taxed | Some |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | |||||
---|---|---|---|---|---|---|---|---|---|
Loan Amount | THB 8,000 | THB 10,000 | THB 20,000 | THB 40,000 | THB 60,000 | ||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
Disbursement Date | 2013-04-09 | 2013-03-15 | 2013-02-13 | 2013-02-15 | 2013-03-18 | ||||
Loan Term (Months) | 12.0 months | 12.0 months | 12.0 months | 12.0 months | 12.0 months | ||||
Grace Period (Months) | 11.2 months | 11.3 months | 11.3 months | 10.9 months | 11.2 months | ||||
Total Cost of Credit | THB 2,772 | THB 3,494 | THB 6,760 | THB 12,542 | THB 18,550 | ||||
True Price by Comp | |||||||||
Interest price component | 33.6% | 33.6% | 32.4% | 31.2% | 30.0% | ||||
Fee Component | 0.6% | 0.6% | 0.6% | 0.6% | 0.6% | ||||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Full APR (int fee ins tax dep) | 34.2% | 34.2% | 33.0% | 31.8% | 30.6% | ||||
Transparency Index | 91 | 91 | 95 | 98 | 100 | ||||
Original Repayment Schedule | |||||||||
MFT Pricing Calculation |
Sample 1 | Sample 2 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | INR 10,000 | INR 15,000 | INR 15,000 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2013-03-29 | 2013-03-15 | 2013-03-06 | ||
Loan Term (Months) | 18.0 months | 18.0 months | 18.0 months | ||
Grace Period (Months) | 0.1 months | 0.2 months | 0.0 months | ||
Total Cost of Credit | INR 2,352.36 | INR 3,543.54 | INR 3,543.54 | ||
True Price by Comp | |||||
Interest price component | 25.6% | 25.3% | 25.8% | ||
Fee Component | 1.4% | 1.4% | 1.4% | ||
Insurance Component | 2.0% | 2.1% | 2.1% | ||
Tax Component | 0.2% | 0.1% | 0.2% | ||
Deposit Component | 0.0% | 0.0% | 0.0% | ||
Full APR (int fee ins tax dep) | 29.2% | 28.9% | 29.5% | ||
MFIN MFI Earning (Annualised) | 27.0% | 26.7% | 27.2% | ||
MFIN Cost to Borrower (Annualised) | 29.2% | 28.9% | 29.5% | ||
Transparency Index | 89 | 90 | 88 | ||
MFIN Transparency Index | 100 | 100 | 100 | ||
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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