| Outstanding portfolio (USD) | USD 539,745 |
| Portfolio (USD) | USD 539,745 |
| Active Clients with Loans | 1,677 |
| Approximate % Female Clients | 20% - 40% |
| Approximate % Urban Clients | 20% - 40% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | x |
| Income generation | |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | |
| Group meetings | |
| Credit insurance | |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services | x |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | x |
| Must be a salaried worker | x |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | 18 |
| # Regions for this product | 18 |
| Regions Active | Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Phnom Penh, Sihanoukville, Pursat, Prey VengSiem Reap, Svay Rieng, Takéo |
| Currency | USD |
| Minimum loan size | USD 150 |
| Maximum loan size | 1,000 |
| Loans less than USD 250 | 10% |
| USD 250-1,000 | 90% |
| USD 1,000-1,500 | 0 |
| USD 1,500-2,000 | 0 |
| USD 2,000-2,500 | 0 |
| Greater than USD 2,500 | 0 |
| Shortest loan term | 3.0 months |
| Longest loan term | 24.0 months |
| Approx average | 20.0 months |
| Loans 3 months or less | 5% |
| Between 4 and 6 months | 5% |
| Between 7 and 9 months | 10% |
| Between 10 and 12 months | 10% |
| Between 13 and 18 months | 20% |
| Longer than 18 months | 50% |
| Grace period usage | 70% |
| Average grace period | 2.0 months |
| 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 | 1.20% |
| Highest quoted nominal interest | 1.20% |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | Yes |
| Is rate fixed for entire loan term | 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? | No |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | USD 600 | USD 700 | USD 1,000 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
| Disbursement Date | 2012-11-07 | 2012-09-20 | 2012-12-05 | ||
| Loan Term (Months) | 25.0 months | 19.0 months | 24.0 months | ||
| Grace Period (Months) | 3.4 months | 2.9 months | 3.0 months | ||
| Total Cost of Credit | USD 102.70 | USD 94.59 | USD 166.94 | ||
| True Price by Comp | |||||
| Interest price component | 14.4% | 14.4% | 14.3% | ||
| Fee Component | 0.0% | 0.0% | 0.0% | ||
| Insurance Component | 0.0% | 0.0% | 0.0% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 0.0% | 0.0% | 0.0% | ||
| Full APR (int fee ins tax dep) | 14.4% | 14.4% | 14.3% | ||
| Transparency Index | 100 | 100 | 100 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| Action | 0 | 0 | 0 | 141 |
| Adok Timo | 4,200 | 570,000 | 4 | 172 |
| BIMAS | 11,100 | 4,679,000 | 7 | 141 |
| ECLOF Kenya | 20,500 | 5,455,000 | 8 | 141 |
| Equity Bank | 135,500 | 94,746,000 | 9 | 141 |
| Family Bank | 43,200 | 90,700,000 | 5 | 172 |
| Jamii Bora | 2,400 | 3,374,000 | 4 | 141 |
| Juhudi Kilimo | 10,400 | 4,436,000 | 2 | 141 |
| KADET | 12,900 | 5,402,000 | 4 | 141 |
| K-Rep | 0 | 0 | 0 | 141 |
| K-Rep Bank | 65,000 | 28,743,000 | 4 | 172 |
| KWFT DTM | 294,600 | 165,982,000 | 6 | 141 |
| LKL | 13,100 | 9,311,000 | 10 | 133 |
| MKL | 18,200 | 5,989,000 | 6 | 117 |
| Opportunity Kenya | 9,100 | 4,866,000 | 5 | 141 |
| PAWDEP | 40,900 | 7,133,000 | 2 | 141 |
| RAFODE | 2,900 | 356,000 | 1 | 141 |
| SISDO | 7,300 | 3,657,000 | 11 | 141 |
| Yehu | 14,000 | 3,149,000 | 11 | 141 |
| 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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