Chamroeun Microfinance Limited - Chamroeun Loan - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 121 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Chamroeun Microfinance Limited # 425, St.271, Sangkat Toul Tumpong IIKhan ChamkarmonPhnom penh, Cambodia

Data approved: 2015-01-06

Data version: 4

Age of data: 121 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (KHR)	KHR 12,973,567,100
Portfolio (USD)	USD 3,284,447.37
Active Clients with Loans	24,027
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	20% - 40%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

Clients are residents or workers from the urban poor community. The interest rate charged on a declining balance. No physical collateral is necessary but the client must prove the support of 1 co-maker.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture	x
Education
Other household finance
Other
Other (2)

Included Services

Credit education	x
Group meetings
Credit insurance
Workplace visits	x
Business training	x
Other training	x
Other	Social training ( health, nutrition, domestic violence, waste management)
Other (2)
No other services

Eligibility

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)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	15
# Regions for this product	15
Regions Active	Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, KepKratié, Phnom Penh, Pursat, Prey VengSiem Reap, Takéo

Loan Conditions

Loan Amount

Currency	KHR
Minimum loan size	KHR 100,000
Maximum loan size	1,600,000

Distribution at Disbursement (Est.)

Loans less than KHR 1,000,000	60%
KHR 1,000,000-3,500,000	40%
KHR 3,500,000-6,000,000	0
KHR 6,000,000-8,000,000	0
KHR 8,000,000-10,000,000	0
Greater than KHR 10,000,000	0

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	12.0 months
Approx average	8.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	5%
Between 7 and 9 months	15%
Between 10 and 12 months	80%
Between 13 and 18 months	0
Longer than 18 months	0

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

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

Pricing Information

Interest

Lowest quoted nominal interest	3.50%
Highest quoted nominal interest	3.50%
Interest rate period	Monthly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Processing Fee
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	4,000
Fixed amount - max	32,000
Reason for variation	Loans <400,000 Pay KHR 4000. Loans > 400,000 = 2% of the loan.
Appears on Repayment Sched?	Yes

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 for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Additional Comments

Client is allowed to reloan when they have paid installment for 1/3 of loan term.

Full Pricing Data

Chamroeun Loan samples

Loan Amount	Type of Sample	Disbursement Date	Loan Term (Months)	Grace Period (Months)	Total Cost of Credit	Full APR (int fee ins tax dep)	True Price by Component					Transparency Index	Original Repayment Schedule	MFT Pricing Calculation
Loan Amount	Type of Sample	Disbursement Date	Loan Term (Months)	Grace Period (Months)	Total Cost of Credit	Full APR (int fee ins tax dep)	Interest price component	Fee Component	Insurance Component	Tax Component	Deposit Component	Transparency Index	Original Repayment Schedule	MFT Pricing Calculation
KHR 800,000	Real	2014-12-04	5.0 months	N/A	KHR 101,700	50.9%	42.4%	8.5%	0.0%	0.0%	0.0%	83	PDF	PDF
KHR 800,000	Generated	2015-01-01	4.8 months	N/A	KHR 96,640	50.2%	41.3%	8.9%	0.0%	0.0%	0.0%	84	-	PDF
KHR 1,100,000	Real	2014-12-04	10.0 months	N/A	KHR 237,200	46.8%	41.9%	4.9%	0.0%	0.0%	0.0%	90	PDF	PDF
KHR 1,100,000	Generated	2015-01-01	9.9 months	N/A	KHR 228,697.53	46.3%	41.3%	5.0%	0.0%	0.0%	0.0%	91	-	PDF
KHR 100,000	Generated	2015-01-01	8.9 months	N/A	KHR 21,042.92	52.4%	41.3%	11.1%	0.0%	0.0%	0.0%	80	-	PDF
KHR 115,000	Generated	2015-01-01	11.9 months	N/A	KHR 29,638.70	48.9%	41.3%	7.6%	0.0%	0.0%	0.0%	86	-	PDF
KHR 540,000	Generated	2015-01-01	8.9 months	N/A	KHR 102,831.78	46.8%	41.3%	5.5%	0.0%	0.0%	0.0%	90	-	PDF
KHR 621,000	Generated	2015-01-01	11.9 months	N/A	KHR 150,868.97	45.6%	41.3%	4.3%	0.0%	0.0%	0.0%	92	-	PDF
KHR 720,000	Generated	2015-01-01	11.9 months	N/A	KHR 174,920.55	45.6%	41.3%	4.3%	0.0%	0.0%	0.0%	92	-	PDF
KHR 1,600,000	Generated	2015-01-01	11.9 months	N/A	KHR 388,712.33	45.6%	41.3%	4.3%	0.0%	0.0%	0.0%	92	-	PDF

Chamroeun Loan Price Graphs

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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

Satin Creditcare Network Ltd Satin Creditcare Network ltd ,5th Floor,Kundan BhawanAzadpur Commercial complex ,AzadpurDelhiPO Box 110033

Data approved: 2013-03-11

Data version: 2

Age of data: 140 months

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Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://www.satincreditcare.com/
Year established	1990
Head of Institution	H P Singh
Regions active	Bihar, Haryana, Madhya PradeshPunjab, Uttar Pradesh, Uttarakhand, Chandigarh, National Capital Territory of Delhi
# Branches	158

Total Portfolio (nat'l)	INR 4,779,248,793
Total Portfolio (USD)	USD 90,174,505.53
Active clients with loans	428,995
Approximate % female clients	60% - 80%
Approximate % urban clients	0% - 20%
Network affiliations	MFIN, Sa-Dhan

Loan Products » Summary

Urban

49,637 Borrowers

USD 17,306,701.11 Portfolio

Active Product

Rural

355,974 Borrowers

USD 72,867,804.42 Portfolio

Active Product

Income Generation Loan

Retired Product

Loan Products » Conditions

Product Name		Loan Size Range		Loan Term (months)		% Female		% Urban		Loan Purpose		Eligibility		Other Services
Income Generation Loan - Urban		INR 20,000 - 50,000		12 - 30		0% - 20%		80% - 100%		Business		Women, Men, Have business, Med HH Inc, Urban HH		Credit Educ
Income Generation Loan (Rural)		INR 8,000 - 25,000		15 - 26		80% - 100%		0% - 20%		Business		Women, Have business, Have home or land, Low HH Inc, Rural HH		Credit Educ, Group Mtgs, Credit Education, Financial Literacy Training. , Group Meeting

Loan Products » MFIN India Additional Information

Product Name		APR (int)		MFIN MFI Earning (Annualised)		MFIN Cost to Borrower (Annualised)		COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD		COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES		COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM		MFIN Transparency Index
Income Generation Loan - Urban		22.3% - 23.5%		22.3% - 23.5%		22.3% - 23.5%		Yes		Yes		Yes		100
Income Generation Loan (Rural)		25.8% - 27.9%		26.9% - 29.6%		29.6% - 32.3%		Yes		Yes		Yes		100

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Loan Products » Pricing Information

Product Name		Annual Nominal Interest		Fees		Insurance		Taxes		Compulsory Deposit		APR (int+fee)		Full APR		Transparency Index
Income Generation Loan - Urban		22.0%-26.0% annual, Decl Bal		0 Fees		0 Ins		None		N/A		22.3% - 23.5%		22.3% - 23.5%		95
Income Generation Loan (Rural)		24.0%-26.0% annual, Decl Bal		1 Fee		1 Ins		12.36% fees		N/A		26.9% - 29.6%		29.6% - 32.3%		79

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

	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

	X Axis
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	Less or equal to:
	From 0 to
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Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Additional Comments

Full Pricing Data

Chamroeun Loan samples

Chamroeun Loan Price Graphs

Institution

Institution Details

Loan Products » Summary

Loan Products » Conditions

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Institution Price Graph

Total Borrowers of Samples

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