| Number borrowers | 7,339 |
| Loan Amount (range) | KHR 200,000 - 40,000,000 |
| Loan Term (range) | 4 - 36 |
| Other Services (text summary) | |
| Annual Interest & Method | 24.0%-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) | 27.7% - 36.8% |
| Transparency Index (min/max) | 65 - 107 |
| Transparency Index (average) | 72 |
| Outstanding portfolio (KHR) | KHR 12,107,663,599 |
| Portfolio (USD) | USD 3,065,231.29 |
| Active Clients with Loans | 7,339 |
| 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 | x |
| Consumer loan | x |
| 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 | 13 |
| Regions Active | Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampot, KandalKratié, Phnom Penh, Prey VengSiem Reap, Svay Rieng, Takéo |
| Currency | KHR |
| Minimum loan size | KHR 200,000 |
| Maximum loan size | 40,000,000 |
| Loans less than KHR 1,000,000 | 10% |
| KHR 1,000,000-3,500,000 | 60% |
| KHR 3,500,000-6,000,000 | 15% |
| KHR 6,000,000-8,000,000 | 5% |
| KHR 8,000,000-10,000,000 | 5% |
| Greater than KHR 10,000,000 | 5% |
| Shortest loan term | 4.0 months |
| Longest loan term | 36.0 months |
| Approx average | 14.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 5% |
| Between 7 and 9 months | 5% |
| Between 10 and 12 months | 50% |
| Between 13 and 18 months | 40% |
| Longer than 18 months | 0 |
| Grace period usage | 10% |
| Average grace period | 3.0 months |
| 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 | |
| Irregular payments |
| Lowest quoted nominal interest | 2.00% |
| 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 |
| Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Loan Amount | KHR 300,000 | KHR 700,000 | KHR 1,300,000 | KHR 2,500,000 | 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 | 2013-03-14 | 2013-03-27 | 2013-03-25 | 2013-03-27 | 2013-03-05 | 2013-03-22 | |||||
| Loan Term (Months) | 12.0 months | 5.7 months | 15.0 months | 15.0 months | 21.0 months | 18.0 months | |||||
| Grace Period (Months) | -0.3 months | -0.3 months | -0.2 months | 1.3 months | 0.5 months | -0.4 months | |||||
| Total Cost of Credit | KHR 56,700 | KHR 62,000 | KHR 306,800 | KHR 680,600 | KHR 2,083,200 | KHR 2,546,800 | |||||
| True Price by Comp | |||||||||||
| Interest price component | 36.1% | 33.7% | 36.0% | 36.0% | 30.0% | 27.6% | |||||
| Fee Component | 0.0% | 0.0% | 0.0% | 0.8% | 0.2% | 0.1% | |||||
| 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) | 36.1% | 33.7% | 36.0% | 36.8% | 30.2% | 27.7% | |||||
| Transparency Index | 66 | 71 | 67 | 65 | 79 | 86 | |||||
| Original Repayment Schedule | |||||||||||
| MFT Pricing Calculation |
| Key Statistics | |
|---|---|
| # Samples: | |
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| # 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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