Chamroeun - Chamroeun Loan - MFTransparency.org Truth In Lending Tables

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Institution

Chamroeun #42D, st.320 SangkatN/APhnom penh, CambodiaN/A

Data approved: 2011-02-03

Data version: 2

Age of data: - months

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Product

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Product Details

Key Statistics

Outstanding portfolio (KHR)	KHR 3,332,421,400
Portfolio (USD)	USD 833,105.35
Active Clients with Loans	9,697
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	80% - 100%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

Client are being a resident or worked of the urban poor community. The interest rate charged on a declining balance. No physical collateral is necessary but client must prove the support of 1 co-maker.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education
Group meetings
Credit insurance
Workplace visits	x
Business training	x
Other training	x
Other	Social training (HIV, traffic law, human rights, information sessions)
Other (2)	Skills training (specific vocational training, short term seminars like cooking)
No other services

Eligibility

Men
Women
Must run a business	x
Must own a home or land	x
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	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	KHR
Minimum loan size	KHR 100,000
Maximum loan size	1,150,000

Loan Term and Grace Period

Shortest loan term	2.0 months
Longest loan term	8.0 months
Approx average	6.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	N/A
Between 4 and 6 months	N/A
Between 7 and 9 months	N/A
Between 10 and 12 months	N/A
Between 13 and 18 months	N/A
Longer than 18 months	N/A

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly	x
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	4.00%
Highest quoted nominal interest	4.00%
Interest rate period	Monthly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	N/A
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Processing fees (loan amount < =400,000 Riels (charged 2000 Riels),>400000 (charged 2% of loan amount)
% of loan amount - min	0
% of loan amount - max	2.00%
OR, Fixed amount - min	2,000
Fixed amount - max	0
Reason for variation
Appears on Repayment Sched?	No

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	All
Criteria	N/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?	Yes

Deposit BEFORE or AT Disbursement

% loan amount deposited	0 - N/A
or, Fixed-amount deposited	0 - N/A

Deposits DURING period payments

% loan amount deposited	15.00% - N/A
or, Fixed-amount deposited	0 - N/A
Conditions on access to deposit	When leaving

Interest Paid on Deposit

Minimum interest rate paid	2.00%
Maximum interest rate paid	4.50%
Interest payment frequency	Monthly

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Chamroeun Loan samples

	Sample 1	Sample 2	Sample 3
Loan Amount	KHR 250,000	KHR 550,000	KHR 1,150,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known
Disbursement Date	2013-02-05	2013-01-09	2013-02-28
Loan Term (Months)	5.0 months	8.0 months	12.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	53.7%	54.9%	53.5%
Insurance Component	0.0%	0.0%	0.0%
Tax Component	0.0%	0.0%	0.0%
Deposit Component	6.7%	6.0%	6.2%
Full APR (int fee ins tax dep)	60.4%	60.9%	59.7%
Transparency Index	79	79	80

Original Repayment Schedule	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF

Chamroeun Loan Price Graphs

Click to view Price Analysis Tool

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
Banco Solidario	79,700	221,716,000	1	170
CEPESIU	2,000	939,000	4	170
COAC 4 Octubre	2,200	5,771,000	2	170
COAC Ambato	1,300	16,415,000	2	170
COAC FondVida	2,500	4,200,000	4	170
COAC LaBenefica	2,500	8,482,000	6	170
COAC MCCH	5,300	10,020,000	2	170
COAC Nacional	30,700	27,129,000	2	170
COAC San José	10,400	29,133,000	5	170
COAC SanAntonio	1,000	2,384,000	3	170
COAC SantaAnita	2,000	2,532,000	6	170
Codesarrollo	14,400	40,328,000	7	170
Coop San Miguel	1,800	4,754,000	5	167
CooP VPR	700	1,052,000	4	170
Cooprogreso	7,900	32,244,000	4	170
Credi Fe	100,900	380,039,000	4	170
D^Miro	36,900	27,692,000	9	163
DECOF	2,200	705,000	2	170
Espoir	62,100	21,036,000	5	170
FODEMI	28,200	12,924,000	3	170
Fundacion Alternativa	4,300	5,545,000	2	170
FUNDAMIC	2,000	1,468,000	2	170
INSOTEC	7,000	6,047,000	4	170
Luz del Valle	6,400	11,300,000	3	170
ProCredit	43,800	211,941,000	2	170
PS Ambato	5,600	2,771,000	1	170

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
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N (# of Samples)
Total Borrrowers of Samples


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