2. AMK
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Family Bank
Please note that the information you are viewing is 172 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: 139 months
Choose version

Institution

Family Bank Ltd. NairobiKenyaP.O. Box 74145
Data approved: 2010-09-13
Data version: 1
Age of data: 172 months

Product

Seasonal Loan (THB) Product 13 of 16 « Prev | Next »

Product

Biashara Boost Loan Product 2 of 5 « Prev | Next »

Product Summary

Number borrowers733
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 & Method31.2%-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)30.6% - 34.2%
Transparency Index (min/max)74 - 106
Transparency Index (average)95

Product Summary

5,500
KES 5,000 - 500,000
6 - 24
Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Other Training, Book-keeping skills
19.2% annual, Flat
3.00% upfront upfront
3.00% upfront
None
N/A
 
N/A
39.8% - 48.5% (Int+Fee)
0
0
39.8% - 48.5%
23 - 77
45

Product Details

Key Statistics
Outstanding portfolio (THB)THB 25,643,330
Portfolio (USD)USD 869,265.42
Active Clients with Loans733
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Seasonal Loan (THB) is designed for seasonal needs (rice crop, animal raising, etc.)
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherSeasonal purpose only
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
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 product1
Regions ActiveBanteay Meanchey

Product Details

Key Statistics
Outstanding portfolio (KES)KES 510,000,000
Portfolio (USD)USD 6,159,420.29
Active Clients with Loans5,500
Approximate % Female Clients40% - 60%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Biashara Boost is a loan product targeting Micro & SMEs who are in business or want to venture into viable ones
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household financex
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visitsx
Business trainingx
Other trainingx
OtherBook-keeping skills
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
OtherCan use loan to start a business
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyTHB
Minimum loan sizeTHB 5,000
Maximum loan size60,000
Distribution at Disbursement (Est.)
Loans less than THB 10,0000
THB 10,000-30,00040%
THB 30,000-50,00030%
THB 50,000-70,00030%
THB 70,000-90,0000
Greater than THB 90,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average5.0 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 periodDK
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
CurrencyKES
Minimum loan sizeKES 5,000
Maximum loan size500,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term24.0 months
Approx average12.0 months
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 interest2.60%
Highest quoted nominal interest3.00%
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
Additional Comments
This product can serve to all the village bank members without limit cycles.

Pricing Information

Interest
Lowest quoted nominal interest1.60%
Highest quoted nominal interest1.60%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionProcessing FeeLegal Fee
% of loan amount - min3.00%0
% of loan amount - max3.00%0
OR, Fixed amount - min00
Fixed amount - max02,000
Reason for variationN/AApplied to amounts above KES 100,000
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation0.3% of the loan amount x number of months
Appears on Repayment Sched?Yes
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

Seasonal Loan (THB) samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountTHB 8,000THB 10,000THB 20,000THB 40,000THB 60,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-04-092013-03-152013-02-132013-02-152013-03-18
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)11.2 months11.3 months11.3 months10.9 months11.2 months
Total Cost of CreditTHB 2,772THB 3,494THB 6,760THB 12,542THB 18,550
True Price by Comp         
Interest price component33.6%33.6%32.4%31.2%30.0%
Fee Component0.6%0.6%0.6%0.6%0.6%
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)34.2%34.2%33.0%31.8%30.6%
Transparency Index91919598100
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

Full Pricing Data

Biashara Boost Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountKES 10,000KES 25,000KES 50,000KES 100,000KES 200,000KES 300,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2009-12-182009-11-092010-01-222009-12-282009-12-082009-12-08
Loan Term (Months)6.0 months12.0 months12.0 months6.0 months12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component44.0%40.8%41.4%48.5%42.6%39.8%
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)44.0%40.8%41.4%48.5%42.6%39.8%
Transparency Index444746404548
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Seasonal Loan (THB) Price Graphs


Click to view Price Analysis Tool
Biashara Boost 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 ∞