2. KREDIT
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. AJDFI
Please note that the information you are viewing is 158 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

KREDIT Microfinance Institution Plc. #17, Street 163ChamkarmornPhnom Penh
Data approved: 2013-04-23
Data version: 3
Age of data: 139 months
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Institution

Ad Jesum Development Foundation, Inc. Clergy House CompoundMadangMati City, Davao Oriental/Region XI8200
Data approved: 2011-11-15
Data version: 1
Age of data: 158 months

Product

VSU-KHR Product 9 of 9 « Prev | Next »

Product

Asset Acquisition - Land Product 1 of 6 « Prev | Next »

Product Summary

Number borrowers18,454
Loan Amount (range)KHR 50,000 - 1,200,000
Loan Term (range)4 - 12
Other Services (text summary)Credit Educ, Group Mtgs, Tech Asst Visits, Other Training
Annual Interest & Method34.2% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component21.7% - 36.1%
Fee Component0 - 0.8%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)32.0% - 32.2%
Transparency Index (min/max)65 - 107
Transparency Index (average)100

Product Summary

120
PHP 40,000 - 70,000
36
Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Other Training
10.0% annual, Flat
3.00% upfront
300.00 upfront 20.00 ongoing
None
N/A
 
N/A
73.8% (Int+Fee)
1.3% - 151.3%
0 - 2.8%
78.7%
0 - 81
13

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 15,602,858,617
Portfolio (USD)USD 3,950,090.79
Active Clients with Loans18,454
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Village Bank product targets a group of client who has low income, it requires no mortgage from client and loan can be accessed by forming solidarity groups. .
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business training
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
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 institution12
# Regions for this product12
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampot, KandalKratié, Prey VengSiem Reap, Svay Rieng, Takéo

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 2,688,607
Portfolio (USD)USD 64,320.74
Active Clients with Loans120
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help groupx
Other
Description
Residential Lot
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visitsx
Business trainingx
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 50,000
Maximum loan size1,200,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,00010%
KHR 1,000,000-3,500,00090%
KHR 3,500,000-6,000,0000
KHR 6,000,000-8,000,0000
KHR 8,000,000-10,000,0000
Greater than KHR 10,000,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term12.0 months
Approx average11.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months90%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeksx
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 40,000
Maximum loan size70,000
Loan Term and Grace Period
Shortest loan term36.0 months
Longest loan term36.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.85%
Highest quoted nominal interest2.85%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
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 forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest10.00%
Highest quoted nominal interest10.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionService Charge
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLife Insurance - Registration
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min300
Fixed amount - max300
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
Ins 1
DescriptionLife Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min20
Fixed amount - max20
Reason for variationN/A
Appears on Repayment Sched?No
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

VSU-KHR samples
Sample 1Sample 2Sample 3
Loan AmountKHR 200,000KHR 500,000KHR 1,100,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-03-272013-03-272013-03-27
Loan Term (Months)11.0 months11.0 months12.0 months
Grace Period (Months)10.1 months10.1 months11.1 months
Total Cost of CreditKHR 64,573KHR 161,433KHR 383,862
True Price by Comp     
Interest price component32.0%32.0%32.2%
Fee Component0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)32.0%32.0%32.2%
Transparency Index100100100
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Asset Acquisition - Land samples
Sample 1Sample 2Sample 3
Loan AmountPHP 50,000PHP 50,000PHP 50,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-05-042011-05-042011-05-04
Loan Term (Months)11.7 months11.7 months11.7 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component73.8%73.8%73.8%
Insurance Component4.9%4.9%4.9%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)78.7%78.7%78.7%
Transparency Index131313
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
VSU-KHR Price Graphs


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Asset Acquisition - Land Price Graphs


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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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