Number borrowers | 8,084 |
Loan Amount (range) | KHR 100,000 - 20,000,000 |
Loan Term (range) | 4 - 12 |
Other Services (text summary) | |
Annual Interest & Method | 27.0%-36.0% annual, Decl Bal |
Fees | None |
Insurance | None |
Tax | None |
Comp Dep | N/A |
Range of pricing | |
Interest Price Component | 21.7% - 36.1% |
Fee Component | 0 - 0.8% |
Insurance Component | 0 |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 25.6% - 36.0% |
Transparency Index (min/max) | 65 - 107 |
Transparency Index (average) | 86 |
524 |
PHP 5,000 - 150,000 |
1 - 10 |
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training |
30.0% annual, Flat |
2.50% upfront 200.00 upfront |
170.00-39,750.00 upfront |
None |
20.00% ongoing |
N/A |
58.8% - 82.0% (Int+Fee) |
4.9% - 13.5% |
0 |
64.0% - 97.7% |
31 - 47 |
39 |
Outstanding portfolio (KHR) | KHR 20,368,240,515 |
Portfolio (USD) | USD 5,156,516.59 |
Active Clients with Loans | 8,084 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
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 | |
Credit insurance | |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services | x |
Men | x |
Women | x |
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) |
# Regions for this institution | 12 |
# Regions for this product | 12 |
Regions Active | Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampot, KandalKratié, Prey VengSiem Reap, Svay Rieng, Takéo |
Outstanding portfolio (PHP) | PHP 12,118,482 |
Portfolio (USD) | USD 289,915.84 |
Active Clients with Loans | 524 |
Approximate % Female Clients | 60% - 80% |
Approximate % Urban Clients | 20% - 40% |
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 | x |
Group meetings | x |
Credit insurance | x |
Workplace visits | x |
Business training | x |
Other training | |
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 | |
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 | 20,000,000 |
Loans less than KHR 1,000,000 | 5% |
KHR 1,000,000-3,500,000 | 60% |
KHR 3,500,000-6,000,000 | 15% |
KHR 6,000,000-8,000,000 | 10% |
KHR 8,000,000-10,000,000 | 5% |
Greater than KHR 10,000,000 | 5% |
Shortest loan term | 4.0 months |
Longest loan term | 12.0 months |
Approx average | 11.5 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 5% |
Between 7 and 9 months | 5% |
Between 10 and 12 months | 90% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | x |
Every 2 weeks | x |
Every 4 weeks | x |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | x |
Irregular payments |
Currency | PHP |
Minimum loan size | PHP 5,000 |
Maximum loan size | 150,000 |
Shortest loan term | 1.0 month |
Longest loan term | 10.0 months |
Approx average | 6.0 months |
Grace period usage | 0 |
Average grace period | 0 |
Daily | x |
Weekly | x |
Every 2 weeks | x |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 2.25% |
Highest quoted nominal interest | 3.00% |
Reason(s) why interest rate varies | Loan Size |
Interest rate period | Monthly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | 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 | 30.00% |
Highest quoted nominal interest | 30.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Fee 1 | Fee 2 | ||
---|---|---|---|
Description | Service Charge + Processing Fee | Notarial Fee | |
% of loan amount - min | 2.50% | 0 | |
% of loan amount - max | 2.50% | 0 | |
OR, Fixed amount - min | 0 | 200 | |
Fixed amount - max | 0 | 200 | |
Reason for variation | N/A | ||
Appears on Repayment Sched? | No | No |
Ins 1 | |
---|---|
Description | Credit Insurance |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 170 |
Fixed amount - max | 39,750 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | |
Do borrowers control deposit in their group? | Yes |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 20.00% |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | Access During |
Minimum interest rate paid | 1.00% |
Maximum interest rate paid | 1.00% |
Interest payment frequency | Annually |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | ||||||
---|---|---|---|---|---|---|---|---|---|---|---|
Loan Amount | KHR 200,000 | KHR 700,000 | KHR 1,300,000 | KHR 2,600,000 | KHR 7,500,000 | KHR 12,000,000 | |||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
Disbursement Date | 2013-02-20 | 2013-03-06 | 2013-02-22 | 2013-02-14 | 2013-03-26 | 2013-02-21 | |||||
Loan Term (Months) | 8.0 months | 10.0 months | 12.0 months | 10.0 months | 12.0 months | 12.0 months | |||||
Grace Period (Months) | 6.7 months | 9.4 months | 11.5 months | 9.2 months | 11.0 months | 10.9 months | |||||
Total Cost of Credit | KHR 46,200 | KHR 211,797 | KHR 469,993 | KHR 740,134 | KHR 2,064,250 | KHR 3,560,000 | |||||
True Price by Comp | |||||||||||
Interest price component | 36.0% | 34.8% | 34.8% | 30.9% | 25.6% | 27.7% | |||||
Fee Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Full APR (int fee ins tax dep) | 36.0% | 34.8% | 34.8% | 30.9% | 25.6% | 27.7% | |||||
Transparency Index | 75 | 78 | 78 | 87 | 100 | 98 | |||||
Original Repayment Schedule | |||||||||||
MFT Pricing Calculation |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | ||||||
---|---|---|---|---|---|---|---|---|---|---|---|
Loan Amount | PHP 7,000 | PHP 15,000 | PHP 30,000 | PHP 50,000 | PHP 100,000 | PHP 120,000 | |||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
Disbursement Date | 2011-05-06 | 2011-06-03 | 2011-07-01 | 2011-06-24 | 2011-05-31 | 2011-05-17 | |||||
Loan Term (Months) | 6.1 months | 6.1 months | 3.0 months | 6.1 months | 10.0 months | 10.0 months | |||||
Grace Period (Months) | 0.0 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 | Not Known | |||||
True Price by Comp | |||||||||||
Interest and Fee Component | 78.8% | 72.2% | 82.0% | 68.2% | 58.8% | 58.8% | |||||
Insurance Component | 7.7% | 7.6% | 13.5% | 7.5% | 4.9% | 4.9% | |||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Deposit Component | 2.0% | 2.4% | 2.3% | 1.8% | 0.3% | 0.3% | |||||
Full APR (int fee ins tax dep) | 88.6% | 82.1% | 97.7% | 77.4% | 64.0% | 64.0% | |||||
Transparency Index | 34 | 37 | 31 | 39 | 47 | 47 | |||||
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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By Country | ||||||
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