2. Chamroeun
Please note that the information you are viewing is 118 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. FINCA Tanzania
Please note that the information you are viewing is 116 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: 118 months
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Institution

FINCA Tanzania M.F.C. Limited Plot # 84 Morogoro Rd,Dar es SalaamP.O Box 78783
Data approved: 2014-11-04
Data version: 3
Age of data: 116 months
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Product

Developing Loan Product 2 of 4 « Prev | Next »

Product

Village Banking Loan Product 3 of 3 « Prev | Next »

Product Summary

Number borrowers12,376
Loan Amount (range)KHR 100,000 - 1,000,000
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 & Method39.0% annual, Decl Bal
Fees4,000.00-20,000.00 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)42.7% - 53.8%
Transparency Index (min/max)73 - 94
Transparency Index (average)86

Product Summary

56,067
TZS 30,000 - 3,000,000
6 - 10
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
78.0% annual, Decl Bal
None
None
None
N/A
 
58.6% - 82.2%
0 - 3.6%
0
0
75.7% - 82.2%
60 - 100
98

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 12,385,248,900
Portfolio (USD)USD 3,135,506.05
Active Clients with Loans12,376
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
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 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 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 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 (TZS)TZS 16,313,780,319
Portfolio (USD)USD 10,260,239.19
Active Clients with Loans56,067
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
This loans are given to groups that range from between 15 and 30.
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 training
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 group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution14
# Regions for this product17
Regions ActiveArusha, Dar es Salaam, Dodoma, Iringa, Kagera, Kilimanjaro, Manyara, MaraMbeya, Morogoro, Mwanza, Pwani, Ruvuma, ShinyangaSingida, Tabora, Tanga

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 100,000
Maximum loan size1,000,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,000100%
KHR 1,000,000-3,500,0000
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
CurrencyTZS
Minimum loan sizeTZS 30,000
Maximum loan size3,000,000
Distribution at Disbursement (Est.)
Loans less than TZS 350,00040%
TZS 350,000-1,250,00050%
TZS 1,250,000-2,000,00010%
TZS 2,000,000-3,000,0000
TZS 3,000,000-4,000,0000
Greater than TZS 4,000,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term10.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months30%
Between 7 and 9 months40%
Between 10 and 12 months30%
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

Pricing Information

Interest
Lowest quoted nominal interest3.25%
Highest quoted nominal interest3.25%
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 - max20,000
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 interest6.50%
Highest quoted nominal interest6.50%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
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
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
Institution meets the insurance charges for all customers, spouse and up to 4 children aged below 18

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
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 - 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

Full Pricing Data

Village Banking 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
TZS 1,200,000 Real 2014-12-16 7.4 months N/A TZS 376,677.98 82.2% 82.2% 0.0% 0.0% 0.0% 0.0% 95 PDF PDF
TZS 1,200,000 Generated 2015-03-01 7.0 months N/A TZS 347,585.42 79.4% 79.4% 0.0% 0.0% 0.0% 0.0% 98 - PDF
TZS 350,000 Real 2014-12-29 5.5 months N/A TZS 83,793.43 82.2% 82.2% 0.0% 0.0% 0.0% 0.0% 95 PDF PDF
TZS 350,000 Generated 2015-03-01 6.0 months N/A TZS 87,622.16 79.4% 79.4% 0.0% 0.0% 0.0% 0.0% 98 - PDF
TZS 75,000 Generated 2015-03-01 9.0 months N/A TZS 26,307.46 75.7% 75.7% 0.0% 0.0% 0.0% 0.0% 100 - PDF
TZS 300,000 Generated 2015-03-01 9.0 months N/A TZS 105,229.83 75.7% 75.7% 0.0% 0.0% 0.0% 0.0% 100 - PDF
TZS 550,000 Generated 2015-03-01 9.0 months N/A TZS 192,921.35 75.7% 75.7% 0.0% 0.0% 0.0% 0.0% 100 - PDF
TZS 750,000 Generated 2015-03-01 6.0 months N/A TZS 178,167.38 75.7% 75.7% 0.0% 0.0% 0.0% 0.0% 100 - PDF
TZS 900,000 Generated 2015-03-01 9.0 months N/A TZS 315,689.49 75.7% 75.7% 0.0% 0.0% 0.0% 0.0% 100 - PDF
TZS 2,500,000 Generated 2015-03-01 10.0 months N/A TZS 974,184.89 75.7% 75.7% 0.0% 0.0% 0.0% 0.0% 100 - PDF
Developing Loan Price Graphs


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Village Banking 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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