Number borrowers | 1,763 |
Loan Amount (range) | KHR 100,000 - 550,000 |
Loan Term (range) | 2 - 8 |
Other Services (text summary) | Tech Asst Visits, Business Training, Other Training |
Annual Interest & Method | 48.0% annual, Decl Bal |
Fees | |
Insurance | None |
Tax | None |
Comp Dep | 0.0% upfront |
Range of pricing | |
Interest Price Component | N/A |
Fee Component | #N/A (Int+Fee) |
Insurance Component | 0 |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | #N/A |
Transparency Index (min/max) | 79 - 99 |
Transparency Index (average) | 84 |
659 |
PHP 2,000 - 150,000 |
2.6 |
Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Life insurance, Values Formation |
40.0% annual, Flat |
2.00% upfront |
30.00% upfront |
None |
50.00 ongoing |
N/A |
103.1% (Int+Fee) |
2.8% - 2.9% |
0 |
108.1% - 118.2% |
31 - 39 |
36 |
Outstanding portfolio (KHR) | KHR 366,687,700 |
Portfolio (USD) | USD 91,671.93 |
Active Clients with Loans | 1,763 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 80% - 100% |
Individual | |
Solidarity group | x |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | |
Workplace visits | x |
Business training | x |
Other training | x |
Other | Social Training (HIV, domestic violence?Ǫ) |
Other (2) | Skill traings ( specific skills as food, cake making?Ǫ) |
No other services |
Men | |
Women | |
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 | N/A |
# Regions for this product | N/A |
Regions Active |
Outstanding portfolio (PHP) | PHP 2,629,085 |
Portfolio (USD) | USD 62,896.77 |
Active Clients with Loans | 659 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 80% - 100% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | x |
Credit insurance | x |
Workplace visits | x |
Business training | x |
Other training | |
Other | Life insurance, Values Formation |
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 | N/A |
# Regions for this product | N/A |
Regions Active |
Currency | KHR |
Minimum loan size | KHR 100,000 |
Maximum loan size | 550,000 |
Shortest loan term | 2.0 months |
Longest loan term | 8.0 months |
Approx average | 6.0 months |
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 usage | 0 |
Average grace period | 0 |
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 |
Currency | PHP |
Minimum loan size | PHP 2,000 |
Maximum loan size | 150,000 |
Shortest loan term | 2.6 months |
Longest loan term | 2.6 months |
Approx average | 2.6 months |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | x |
Every 2 weeks | |
Every 4 weeks | |
Monthly | |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
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 |
Fee 1 | |
---|---|
Description | Processing fee |
% 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 |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | Yes |
Do borrowers control deposit in their group? |
% loan amount deposited | 0 - N/A |
or, Fixed-amount deposited | 0 - N/A |
% loan amount deposited | 5.00% - N/A |
or, Fixed-amount deposited | 0 - N/A |
Conditions on access to deposit | End Term |
Minimum interest rate paid | 2.00% |
Maximum interest rate paid | 4.50% |
Interest payment frequency | Monthly |
Are taxes charged on this product? | No |
Lowest quoted nominal interest | 3.33% |
Highest quoted nominal interest | 3.33% |
Interest rate period | Monthly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Service Charge |
% of loan amount - min | 2.00% |
% of loan amount - max | 2.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | |
Appears on Repayment Sched? | No |
Ins 1 | |
---|---|
Description | Credit Insurance |
% of loan amount - min | 30.00% |
% of loan amount - max | 30.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | Yes |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | |
Do borrowers control deposit in their group? |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | PHP 50 |
Conditions on access to deposit | When Leaving |
Minimum interest rate paid | 6.00% |
Maximum interest rate paid | 6.00% |
Interest payment frequency | Annually |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | ||
---|---|---|---|
Loan Amount | KHR 200,000 | KHR 250,000 | |
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | |
Disbursement Date | 2012-09-11 | 2013-03-07 | |
Loan Term (Months) | 8.0 months | 8.0 months | |
Grace Period (Months) | 0.0 months | 0.0 months | |
Total Cost of Credit | Not Known | Not Known | |
True Price by Comp | |||
Interest and Fee Component | 52.0% | 51.1% | |
Insurance Component | 0.0% | 0.0% | |
Tax Component | 0.0% | 0.0% | |
Deposit Component | 6.0% | 5.5% | |
Full APR (int fee ins tax dep) | 58.0% | 56.6% | |
Transparency Index | 83 | 85 | |
Original Repayment Schedule | |||
MFT Pricing Calculation |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | |||||
---|---|---|---|---|---|---|---|---|---|
Loan Amount | PHP 4,000 | PHP 10,000 | PHP 12,000 | PHP 20,000 | PHP 20,000 | ||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
Disbursement Date | 2010-12-03 | 2011-06-23 | 2011-02-07 | 2011-07-07 | 2011-05-19 | ||||
Loan Term (Months) | 2.6 months | 2.6 months | 2.6 months | 2.6 months | 2.6 months | ||||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | ||||
Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
True Price by Comp | |||||||||
Interest and Fee Component | 103.1% | 103.1% | 103.1% | 103.1% | 103.1% | ||||
Insurance Component | 2.8% | 2.8% | 2.8% | 2.8% | 2.8% | ||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Deposit Component | 12.4% | 4.7% | 3.9% | 2.3% | 2.3% | ||||
Full APR (int fee ins tax dep) | 118.2% | 110.5% | 109.7% | 108.1% | 108.1% | ||||
Transparency Index | 34 | 36 | 36 | 37 | 37 | ||||
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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