| 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 |
| 4,036 |
| PHP 2,000 - 50,000 |
| 3 - 12 |
| Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training |
| 30.0% annual, Flat |
| 5.00% upfront |
| 10.00 ongoing |
| 1.00% loan amt |
| 50.00 ongoing |
| N/A |
| 82.9% - 83.0% (Int+Fee) |
| 2.8% - 30.8% |
| 0.8% - 4.9% |
| 93.2% - 165.2% |
| 18 - 32 |
| 26 |
| 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 16,439,719.35 |
| Portfolio (USD) | USD 393,294.72 |
| Active Clients with Loans | 4,036 |
| Approximate % Female Clients | 60% - 80% |
| Approximate % Urban Clients | 0% - 20% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other | Semi-individual/ASA Methodology |
| 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 | x |
| Other | |
| 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 | x |
| Other | 2 years resident in area, Must pass Means Test |
| 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 | 50,000 |
| Shortest loan term | 3.0 months |
| Longest loan term | 12.0 months |
| Approx average | 6.0 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 | 2.50% |
| Highest quoted nominal interest | 2.50% |
| 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 | 5.00% |
| % of loan amount - max | 5.00% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | |
| Appears on Repayment Sched? | Yes |
| Ins 1 | |
|---|---|
| Description | Mutual Fund |
| % of loan amount - min | 0 |
| % of loan amount - max | 0 |
| OR, Fixed amount - min | 10 |
| Fixed amount - max | 10 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | Yes |
| 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 |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | PHP 50 |
| Conditions on access to deposit | Final Pmt |
| Minimum interest rate paid | 2.00% |
| Maximum interest rate paid | 2.00% |
| Interest payment frequency | Annually |
| Are taxes charged on this product? | Yes |
| Percentage of fees | 0 |
| All or some fees taxed | N/A |
| 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 | ||||
|---|---|---|---|---|---|---|---|
| Loan Amount | PHP 3,000 | PHP 8,000 | PHP 15,000 | PHP 33,000 | |||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
| Disbursement Date | 2011-01-25 | 2011-03-02 | 2011-07-07 | 2011-06-30 | |||
| Loan Term (Months) | 5.6 months | 5.6 months | 5.6 months | 5.6 months | |||
| Grace Period (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 | |||
| True Price by Comp | |||||||
| Interest and Fee Component | 83.0% | 83.0% | 82.9% | 82.9% | |||
| Insurance Component | 30.8% | 11.7% | 6.3% | 2.8% | |||
| Tax Component | 4.9% | 4.8% | 4.8% | 4.8% | |||
| Deposit Component | 46.5% | 12.9% | 6.2% | 2.7% | |||
| Full APR (int fee ins tax dep) | 165.2% | 112.4% | 100.1% | 93.2% | |||
| Transparency Index | 18 | 27 | 30 | 32 | |||
| Original Repayment Schedule | |||||||
| MFT Pricing Calculation |
| 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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