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

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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 12,385,248,900
Portfolio (USD)	USD 3,135,506.05
Active Clients with Loans	12,376
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	20% - 40%

Methodology

Individual
Solidarity group	x
Village banking
Self help group
Other

Description

Product for small vendors that leave from their homeland to rent houses in the cities to do business in markets. Client are required to pay processing fee (amount 2,000 KHR) and compulsory saving in which paid by installment.

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
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	1,000,000

Distribution at Disbursement (Est.)

Loans less than KHR 1,000,000	100%
KHR 1,000,000-3,500,000	0
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	3.25%
Highest quoted nominal interest	3.25%
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	20,000
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

Developing 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 100,000	Generated	2015-01-01	5.9 months	N/A	KHR 14,969.86	53.8%	38.4%	15.4%	0.0%	0.0%	0.0%	73	-	PDF
KHR 115,000	Generated	2015-01-01	5.9 months	N/A	KHR 16,615.34	51.7%	38.4%	13.3%	0.0%	0.0%	0.0%	75	-	PDF
KHR 540,000	Generated	2015-01-01	8.9 months	N/A	KHR 96,258.08	43.8%	38.4%	5.4%	0.0%	0.0%	0.0%	89	-	PDF
KHR 621,000	Generated	2015-01-01	8.9 months	N/A	KHR 110,696.79	43.8%	38.4%	5.4%	0.0%	0.0%	0.0%	89	-	PDF
KHR 680,000	Generated	2015-01-01	11.9 months	N/A	KHR 154,373.97	42.7%	38.4%	4.3%	0.0%	0.0%	0.0%	91	-	PDF
KHR 720,000	Generated	2015-01-01	11.9 months	N/A	KHR 163,454.79	42.7%	38.4%	4.3%	0.0%	0.0%	0.0%	91	-	PDF
KHR 828,000	Generated	2015-01-01	11.9 months	N/A	KHR 187,973.01	42.7%	38.4%	4.3%	0.0%	0.0%	0.0%	91	-	PDF
KHR 1,000,000	Generated	2015-01-01	11.9 months	N/A	KHR 227,020.55	42.7%	38.4%	4.3%	0.0%	0.0%	0.0%	91	-	PDF

Developing Loan Price Graphs

Click to view Price Analysis Tool

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
AGFS	200	47,000	2	159
Ahantaman RB	23,800	9,896,000	4	141
APED	13,700	1,876,000	2	141
ASA Initiative	4,400	577,000	4	141
ASA-Ghana	71,600	18,385,000	2	141
ASPI	800	88,000	6	141
Atwima Kwanwoma	3,800	1,788,000	2	141
Baobab	5,100	967,000	2	141
BestFUND	13,000	4,172,000	3	141
Bonzali Rural	10,400	1,691,000	4	159
CashPhase	83	135,000	2	141
CASUD	1,100	524,000	1	141
CEDEF	500	54,000	4	141
CFF	100	13,000	1	141
CRAN	3,600	1,019,000	2	141
DQF	1,700	63,000	2	141
EASL	9,200	11,409,000	6	141
East Mamprusi	12,500	2,268,000	4	141
ELDA	0	0	0	141
EMPRETEC Ghana	200	56,000	2	141
FASL	13,500	14,047,000	8	141
Grameen Ghana	9,500	507,000	3	141
ID-Ghana	5,600	953,000	3	141
Innovative Finance	2,700	354,000	3	141
Kraban Support	7,700	781,000	5	159
KRB	4,000	6,350,000	3	141
Lower Pra RB	34,000	6,316,000	3	159
Maata-N-Tudu	12,000	941,000	4	141
Mail Finance	300	288,000	1	141
Markaz	0	0	0	141
Markaz Al Bishara	100	17,000	1	141
MicrofinPlus Gh	1,100	251,000	2	141
Nwabiagya RB	4,000	2,265,000	3	141
OISL	62,000	27,232,000	9	141
Pro Credit	0	0	0	141
Rich Step	100	101,000	1	141
SAT	147,600	29,359,000	4	141
Sekam Trust	600	137,000	2	141
Simli Pong	8,900	463,000	3	159
SS Ghana	200	35,000	1	141
TCCU	100	32,000	3	141
The Bridge	400	32,000	3	159
Union RB	3,800	2,361,000	4	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

	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
	Greater than:
	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

Developing Loan samples

Developing Loan Price Graphs

Total Borrowers of Samples

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