2. Chamroeun
Please note that the information you are viewing is 115 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Equity Bank
Please note that the information you are viewing is 137 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: 115 months
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Institution

Equity Bank P.O. Box 75104-00200Hospital Road, Equity Centre, 9th FloorNairobi
Data approved: 2013-09-23
Data version: 2
Age of data: 137 months
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Product

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Product

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Product Summary

Number borrowers24,027
Loan Amount (range)KHR 100,000 - 1,600,000
Loan Term (range)3 - 12
Other Services (text summary)Credit Educ, Tech Asst Visits, Business Training, Other Training, Social training ( health, nutrition, domestic violence, waste management)
Annual Interest & Method42.0% annual, Decl Bal
Fees4,000.00-32,000.00 upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component38.4% - 42.4%
Fee Component3.1% - 15.4%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)45.6% - 52.4%
Transparency Index (min/max)73 - 94
Transparency Index (average)88

Product Summary

29,548
KES 1,000 - 100,000
1 - 12
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training
8.0% annual, Flat
2.00%-3.00% upfront
0.63% upfront
None
15.0% upfront
 
13.4% - 37.3%
0 - 11.0%
0 - 2.3%
0
20.3% - 21.8%
37 - 83
38

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 12,973,567,100
Portfolio (USD)USD 3,284,447.37
Active Clients with Loans24,027
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
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 generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
OtherSocial training ( health, nutrition, domestic violence, waste management)
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 institution15
# Regions for this product15
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, KepKratié, Phnom Penh, Pursat, Prey VengSiem Reap, Takéo

Product Details

Key Statistics
Outstanding portfolio (KES)KES 1,035,934,565
Portfolio (USD)USD 12,511,287.02
Active Clients with Loans29,548
Approximate % Female Clients20% - 40%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village bankingx
Self help group
Other
Description
Empowering the youth to Drive Kenya. Working capital loans for youth in micro income generating activities. They are group or individual based with flexible collateral mix and requirements.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other trainingx
Other
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 groupx
OtherMust have undergone group training
Other (2)Mustbe 18-35 years old
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution8
# Regions for this product8
Regions ActiveCentral, Coast, Eastern, Nairobi, North Eastern, Nyanza, Rift Valley, Western

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 100,000
Maximum loan size1,600,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,00060%
KHR 1,000,000-3,500,00040%
KHR 3,500,000-6,000,0000
KHR 6,000,000-8,000,0000
KHR 8,000,000-10,000,0000
Greater than KHR 10,000,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average8.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months15%
Between 10 and 12 months80%
Between 13 and 18 months0
Longer than 18 months0
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

Loan Conditions

Loan Amount
CurrencyKES
Minimum loan sizeKES 1,000
Maximum loan size100,000
Distribution at Disbursement (Est.)
Loans less than KES 50,00060%
KES 50,000-150,00040%
KES 150,000-250,0000
KES 250,000-350,0000
KES 350,000-450,0000
Greater than KES 450,0000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term12.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months20%
Between 7 and 9 months30%
Between 10 and 12 months50%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
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 interest3.50%
Highest quoted nominal interest3.50%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min4,000
Fixed amount - max32,000
Reason for variationLoans <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 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
Client is allowed to reloan when they have paid installment for 1/3 of loan term.

Pricing Information

Interest
Lowest quoted nominal interest8.00%
Highest quoted nominal interest8.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLACE (Loan Application & Credit Evaluation Fee)
% of loan amount - min2.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation3% for 1st cycle, 2% for multiple cycle loans
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionAnnual Insurance Fee
% of loan amount - min0.63%
% of loan amount - max0.63%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation0.625% per annum.
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaSavings interest depends on the balance that is in the account
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited15.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositWhen Leaving
Interest Paid on Deposit
Minimum interest rate paid1.00%
Maximum interest rate paid3.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No
Additional Comments
This loan product is offered in collaboration with the government.

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
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
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

Full Pricing Data

Vijana Business Loan samples
Sample 1Sample 2Sample 3
Loan AmountKES 7,999.96KES 24,999.98KES 99,999.96
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-05-272013-05-112013-05-09
Loan Term (Months)5.9 months6.0 months12.0 months
Grace Period (Months)-0.2 months0.0 months0.2 months
Total Cost of CreditKES 357.94KES 1,156.21KES 8,624.92
True Price by Comp     
Interest price component13.8%13.4%13.9%
Fee Component0.0%0.0%0.0%
Insurance Component2.3%2.2%1.1%
Tax Component0.0%0.0%0.0%
Deposit Component5.7%5.2%5.3%
Full APR (int fee ins tax dep)21.8%20.8%20.3%
Transparency Index373839
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Chamroeun Loan Price Graphs


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Vijana Business Loan Price Graphs


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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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