Number borrowers | 12,376 |
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 & Method | 39.0% annual, Decl Bal |
Fees | 4,000.00-20,000.00 upfront |
Insurance | None |
Tax | None |
Comp Dep | N/A |
Range of pricing | |
Interest Price Component | 38.4% - 42.4% |
Fee Component | 3.1% - 15.4% |
Insurance Component | 0 |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 42.7% - 53.8% |
Transparency Index (min/max) | 73 - 94 |
Transparency Index (average) | 86 |
86 |
TZS 300,000 - 6,000,000 |
12 |
Group Mtgs, Business Training |
24.00% annual, Flat |
2 fees |
1.00% upfront |
None |
N/A |
10.1% - 75.8% |
3.8% - 19.1% |
1.2% - 5.6% |
0 |
50.0% - 59.8% |
4 - 48 |
41 |
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 |
Outstanding portfolio (TZS) | TZS 297,308,780.30 |
Portfolio (USD) | USD 186,986.65 |
Active Clients with Loans | 86 |
Approximate % Female Clients | 60% - 80% |
Approximate % Urban Clients | 40% - 60% |
Individual | |
Solidarity group | x |
Village banking | |
Self help group | |
Other |
Any purpose | x |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | x |
Credit insurance | |
Workplace visits | |
Business training | x |
Other training | |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | |
Must own a home or land | |
Must be a salaried worker | x |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 1 |
# Regions for this product | 1 |
Regions Active | Ruvuma |
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 |
Currency | TZS |
Minimum loan size | TZS 300,000 |
Maximum loan size | 6,000,000 |
Loans less than TZS 350,000 | 5% |
TZS 350,000-1,250,000 | 10% |
TZS 1,250,000-2,000,000 | 10% |
TZS 2,000,000-3,000,000 | 10% |
TZS 3,000,000-4,000,000 | 10% |
Greater than TZS 4,000,000 | 10% |
Shortest loan term | 12.0 months |
Longest loan term | 12.0 months |
Approx average | 12.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 100% |
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 |
Lowest quoted nominal interest | 24.00% |
Highest quoted nominal interest | 24.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | Fee 2 | ||
---|---|---|---|
Description | Loan Application Fee | Legal Set Up Fee | |
% of loan amount - min | 2.00% | 1.00% | |
% of loan amount - max | 2.00% | 1.00% | |
OR, Fixed amount - min | 0 | 0 | |
Fixed amount - max | 0 | 0 | |
Reason for variation | N/A | N/A | |
Appears on Repayment Sched? | No | Yes |
Ins 1 | |
---|---|
Description | Loan Insurance |
% of loan amount - min | 1.00% |
% of loan amount - max | 1.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
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 | - |
Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | |||||
---|---|---|---|---|---|---|---|---|---|
Loan Amount | TZS 450,000 | TZS 1,000,000 | TZS 1,900,000 | TZS 3,000,000 | TZS 5,000,000 | ||||
Loan Cycle (1, 2, 3, etc) | 1 | 1 | 1 | Not Known | Not Known | ||||
Disbursement Date | 2013-02-21 | 2013-03-28 | 2013-02-25 | 2013-05-18 | 2013-01-30 | ||||
Loan Term (Months) | 11.0 months | 11.0 months | 11.0 months | 23.0 months | 11.0 months | ||||
Grace Period (Months) | -1.0 months | -1.0 months | -1.0 months | -1.0 months | -1.0 months | ||||
Total Cost of Credit | TZS 126,000 | TZS 280,000 | TZS 532,000 | TZS 1,558,000.07 | TZS 1,400,000 | ||||
True Price by Comp | |||||||||
Interest price component | 49.8% | 49.8% | 49.8% | 44.9% | 49.7% | ||||
Fee Component | 7.4% | 7.4% | 7.4% | 3.8% | 7.5% | ||||
Insurance Component | 2.6% | 2.6% | 2.6% | 1.3% | 2.5% | ||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Full APR (int fee ins tax dep) | 59.8% | 59.8% | 59.8% | 50.0% | 59.7% | ||||
Transparency Index | 40 | 40 | 40 | 48 | 40 | ||||
Original Repayment Schedule | |||||||||
MFT Pricing Calculation |
Key Statistics | |
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# 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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