Number borrowers | 1,913 |
Loan Amount (range) | KHR 1,000,000 - 40,000,000 |
Loan Term (range) | 3 - 36 |
Other Services (text summary) | |
Annual Interest & Method | 30.0%-42.0% annual, Decl Bal |
Fees | None |
Insurance | None |
Tax | None |
Comp Dep | N/A |
Range of pricing | |
Interest Price Component | 14.3% - 38.4% |
Fee Component | 0 |
Insurance Component | 0 |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 29.9% - 38.1% |
Transparency Index (min/max) | 58 - 112 |
Transparency Index (average) | 89 |
500 |
TZS 150,000 - 4,000,000 |
6 - 18 |
Business Training |
30.00%-33.60% annual, Flat |
0.00%-3.00% upfront |
None |
None |
25.00% upfront |
N/A |
63.6% - 75.9% (Int+Fee) |
0 |
0 |
103.3% - 127.1% |
24 - 38 |
27 |
Outstanding portfolio (KHR) | KHR 3,141,395,950 |
Portfolio (USD) | USD 795,290.11 |
Active Clients with Loans | 1,913 |
Approximate % Female Clients | 60% - 80% |
Approximate % Urban Clients | 20% - 40% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | |
Mortgage/housing | x |
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 |
Outstanding portfolio (TZS) | TZS 1,000,000,000 |
Portfolio (USD) | USD 628,930.82 |
Active Clients with Loans | 500 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 40% - 60% |
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 | |
Group meetings | |
Credit insurance | |
Workplace visits | |
Business training | x |
Other training | |
Other | |
Other (2) | |
No other services |
Men | |
Women | x |
Must run a business | x |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Currency | KHR |
Minimum loan size | KHR 1,000,000 |
Maximum loan size | 40,000,000 |
Loans less than KHR 1,000,000 | 5% |
KHR 1,000,000-3,500,000 | 15% |
KHR 3,500,000-6,000,000 | 30% |
KHR 6,000,000-8,000,000 | 20% |
KHR 8,000,000-10,000,000 | 15% |
Greater than KHR 10,000,000 | 15% |
Shortest loan term | 3.0 months |
Longest loan term | 36.0 months |
Approx average | 17.0 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 | 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 | TZS |
Minimum loan size | TZS 150,000 |
Maximum loan size | 4,000,000 |
Shortest loan term | 6.0 months |
Longest loan term | 18.0 months |
Approx average | 12.0 months |
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 |
Lowest quoted nominal interest | 2.50% |
Highest quoted nominal interest | 3.50% |
Reason(s) why interest rate varies | Branch, Time as Client, Loan Size |
Interest rate period | Monthly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
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 |
Lowest quoted nominal interest | 2.50% |
Highest quoted nominal interest | 2.80% |
Reason(s) why interest rate varies | Client Risk |
Interest rate period | Monthly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Application Fee |
% of loan amount - min | 0 |
% of loan amount - max | 3.00% |
OR, Fixed amount - min | 15,000 |
Fixed amount - max | 0 |
Reason for variation | Loans above TZS 400,000 are charged 3% of the loan amount |
Appears on Repayment Sched? | No |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | |
Do borrowers control deposit in their group? |
% loan amount deposited | 25.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | End Term |
Minimum interest rate paid | 0 |
Maximum interest rate paid | 0 |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | ||||||
---|---|---|---|---|---|---|---|---|---|---|---|
Loan Amount | KHR 1,000,000 | KHR 2,500,000 | KHR 6,000,000 | KHR 8,100,000 | KHR 10,000,000 | KHR 12,000,000 | |||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
Disbursement Date | 2013-02-21 | 2013-04-25 | 2013-04-03 | 2013-01-21 | 2013-02-08 | 2013-01-22 | |||||
Loan Term (Months) | 12.0 months | 19.0 months | 25.0 months | 24.0 months | 24.0 months | 24.0 months | |||||
Grace Period (Months) | -0.1 months | 0.3 months | 0.6 months | 0.0 months | 0.0 months | 0.0 months | |||||
Total Cost of Credit | KHR 194,200 | KHR 789,500 | KHR 2,360,300 | KHR 2,528,200 | KHR 3,515,900 | KHR 3,745,000 | |||||
True Price by Comp | |||||||||||
Interest price component | 35.6% | 38.1% | 35.5% | 30.1% | 33.2% | 29.9% | |||||
Fee Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
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) | 35.6% | 38.1% | 35.5% | 30.1% | 33.2% | 29.9% | |||||
Transparency Index | 84 | 79 | 85 | 100 | 90 | 100 | |||||
Original Repayment Schedule | |||||||||||
MFT Pricing Calculation |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | ||||||
---|---|---|---|---|---|---|---|---|---|---|---|
Loan Amount | TZS 250,000 | TZS 500,000 | TZS 900,000 | TZS 2,000,000 | TZS 3,000,000 | TZS 4,250,000 | |||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
Disbursement Date | 2009-09-23 | 2010-11-25 | 2009-08-15 | 2010-12-07 | 2009-03-25 | 2009-11-17 | |||||
Loan Term (Months) | 6.0 months | 12.0 months | 12.0 months | 12.0 months | 12.0 months | 12.0 months | |||||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | |||||
Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
True Price by Comp | |||||||||||
Interest and Fee Component | 75.9% | 64.6% | 63.9% | 64.1% | 63.6% | 64.5% | |||||
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 | 51.3% | 40.8% | 40.0% | 40.2% | 39.7% | 40.7% | |||||
Full APR (int fee ins tax dep) | 127.1% | 105.4% | 103.9% | 104.3% | 103.3% | 105.2% | |||||
Transparency Index | 24 | 28 | 29 | 29 | 29 | 29 | |||||
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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By Country | ||||||
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