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

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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Product

Seasonal Loan (USD) Product 14 of 16 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (USD)USD 825,304
Portfolio (USD)USD 825,304
Active Clients with Loans934
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Seasonal Loan (USD) product is designed for seasonal needs only.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherSeasonal loan requirement 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 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

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 100
Maximum loan size1,500
Distribution at Disbursement (Est.)
Loans less than USD 2500
USD 250-1,00060%
USD 1,000-1,50040%
USD 1,500-2,0000
USD 2,000-2,5000
Greater than USD 2,5000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months90%
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

Pricing Information

Interest
Lowest quoted nominal interest2.40%
Highest quoted nominal interest2.70%
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 village bank members without limit cycles and access loan upto 1 USD

Full Pricing Data

Seasonal Loan (USD) samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 1,000USD 300USD 600USD 1,200
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-01-222013-02-082013-03-212013-02-20
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)10.9 months10.6 months11.2 months10.8 months
Total Cost of CreditUSD 313USD 96.50USD 194USD 361
True Price by Comp       
Interest price component31.2%32.9%31.4%30.1%
Fee Component0.6%0.6%0.6%0.5%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)31.8%33.5%32.0%30.6%
Transparency Index91869094
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Seasonal Loan (USD) Price Graphs


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  2. Atwima Kwanwoma
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

Atwima Kwanwoma Rural Bank Head OfficeKumasi, AshantiP.O. Box 6921
Data approved: 2013-03-18
Data version: 2
Age of data: 141 months
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Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addresshttp://www.akrbank.com/
Year established1983
Head of InstitutionStephen Sarfo Kantanka
Regions activeAshanti Region
# Branches6

Total Portfolio (nat'l)GHS 3,523,066
Total Portfolio (USD)USD 1,788,358.38
Active clients with loans3,892
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsGHAMFIN, ARB Apex
Funders

Loan Products » Summary

Group Loan
2,653 Borrowers
USD 543,270.43 Portfolio
Active Product
Susu Loan
1,239 Borrowers
USD 1,245,088.15 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Group Loan GHS 500 - 5,000 6 - 12 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training
Susu Loan GHS 300 - 30,000 6 - 12 40% - 60% 80% - 100% Business Women, Men, Have business Credit Educ, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loan 32.00% annual, Flat 1 Fee 1 Ins None 25.00% upfront 62.7% - 65.3% 108.4% - 114.8% 28
Susu Loan 32.00% annual, Flat 1 Fee 0 Ins None 33.33% upfront 66.5% - 69.9% 139.1% - 152.3% 22
Institution Price Graph
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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
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