| 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% |
| Individual | |
| Solidarity group | x |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | x |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| 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 |
| 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) |
| # 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 |
| Currency | KHR |
| Minimum loan size | KHR 100,000 |
| Maximum loan size | 1,000,000 |
| 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 |
| Shortest loan term | 3.0 months |
| Longest loan term | 12.0 months |
| Approx average | 8.0 months |
| 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 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 | 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 |
| 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 |
| 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 |
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 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 | - | |
| 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 | - | |
| 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 | - | |
| 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 | - | |
| 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 | - | |
| 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 | - | |
| 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 | - | |
| 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 | - | |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.anjalimfi.com/ |
| Year established | 1996 |
| Head of Institution | John Mayne |
| Regions active | Assam, Bihar |
| # Branches | 11 |
| Total Portfolio (nat'l) | INR 22,090,000 |
| Total Portfolio (USD) | USD 416,792.45 |
| Active clients with loans | 5,251 |
| Approximate % female clients | 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | MFIN, AMFI, SMART Campaign, MFTransparency |
| 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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