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. TSPI
Please note that the information you are viewing is 154 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

Tulay sa Pag-unlad, Inc. 2363 Antipolo St.Makati1212
Data approved: 2011-11-15
Data version: 1
Age of data: 154 months

Product

Chamroeun Loan Product 1 of 4 « Prev | Next »

Product

Educational Loan Assistance Program Product 1 of 7 « Prev | Next »

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

3,816
PHP 1 - 10,000
3 - 6
Group Mtgs
12.0% annual, Flat
None
10.00% ongoing
None
N/A
 
N/A
24.6% - 24.7% (Int+Fee)
0 - 13.8%
0
24.6% - 24.7%
32 - 95
49

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 (PHP)PHP 6,475,097.69
Portfolio (USD)USD 154,906.64
Active Clients with Loans3,816
Approximate % Female Clients80% - 100%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
This program offers loans for any school-related expenses of our clients' children. The amount of loan is determined by education level at maximum of PhP10, 000, payable in three to six months, with weekly repayment.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherTKP clients with school-age children
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

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
CurrencyPHP
Minimum loan sizePHP 1
Maximum loan size10,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term6.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
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 interest1.00%
Highest quoted nominal interest1.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionLife Insurance
% of loan amount - min10.00%
% of loan amount - max10.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
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

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

Educational Loan Assistance Program samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 3,000PHP 3,000PHP 7,000PHP 7,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-05-112009-05-262010-10-142010-05-27
Loan Term (Months)5.6 months5.6 months5.6 months5.6 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component24.7%24.7%24.6%24.6%
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)24.7%24.7%24.6%24.6%
Transparency Index49494949
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Chamroeun Loan Price Graphs


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Educational Loan Assistance Program 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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