Loan Conditions

Loan Amount

Currency	KHR
Minimum loan size	KHR 50,000
Maximum loan size	1,200,000

Distribution at Disbursement (Est.)

Loans less than KHR 1,000,000	10%
KHR 1,000,000-3,500,000	90%
KHR 3,500,000-6,000,000	0
KHR 6,000,000-8,000,000	0
KHR 8,000,000-10,000,000	0
Greater than KHR 10,000,000	0

Loan Term and Grace Period

Shortest loan term	4.0 months
Longest loan term	12.0 months
Approx average	11.0 months

Distribution at Disbursement (Est.)

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

Grace period usage	0
Average grace period	0

Repayment Frequency

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

Loan Conditions

Loan Amount

Currency	PHP
Minimum loan size	PHP 3,000
Maximum loan size	150,000

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	9.0 months
Approx average	6.0 months

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

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

Pricing Information

Interest

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 for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?

No

Pricing Information

Interest

Upfront Fees

	Fee 1
Description	Processing Fee
% of loan amount - min	2.00%
% of loan amount - max	4.50%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation
Appears on Repayment Sched?	No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Loan Redemption Fund
% of loan amount - min	0.38%
% of loan amount - max	1.13%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	No

Ongoing Insurance Fees

	Ins 1
Description	K-MBA (Life Insurance)
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	15
Fixed amount - max	15
Reason for variation	N/A
Appears on Repayment Sched?	No

Compulsory Deposit

Required for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?	Yes
Do borrowers control deposit in their group?

Deposit BEFORE or AT Disbursement

% loan amount deposited	0
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	PHP 55
Conditions on access to deposit	Access During

Interest Paid on Deposit

Minimum interest rate paid	5.00%
Maximum interest rate paid	5.00%
Interest payment frequency	Monthly

Taxes

Are taxes charged on this product?

No

Additional Comments

Savings may be withdrawn any time as long as it will not go below the retention limit of 2% of the loan amount. Some members deposit more than the minimum amount. Grace period in payment allowed when member or family member is sick or death in family or met catastrophe (fire, flood). Members must be a member of K-MBA, with a one-time membership fee of P3 and weekly premium of P15 for life insurance and P5 for retirement fund (reflected as savings). Retirement fund is withdrawable upon exit from KDCI and K-MBA with an interest of 2% per annum. Member's loanable amount may increase based on repayment record

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