| Number borrowers | 18,454 |
| 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 & Method | 34.2% 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) | 32.0% - 32.2% |
| Transparency Index (min/max) | 65 - 107 |
| Transparency Index (average) | 100 |
| 1,760 |
| PHP 30,000 - 150,000 |
| 3 - 24 |
| 30.0% annual, Flat |
| 3.00% ongoing 5.00% ongoing |
| 10.00-32.00 ongoing |
| None |
| 5.0% upfront 1.00 ongoing |
| N/A |
| 70.1% - 87.6% (Int+Fee) |
| 0 - 21.6% |
| 0 |
| 81.2% - 101.6% |
| 25 - 50 |
| 33 |
| Outstanding portfolio (KHR) | KHR 15,602,858,617 |
| Portfolio (USD) | USD 3,950,090.79 |
| Active Clients with Loans | 18,454 |
| Approximate % Female Clients | 80% - 100% |
| Approximate % Urban Clients | 0% - 20% |
| Individual | |
| Solidarity group | |
| Village banking | x |
| Self help group | |
| Other |
| Any purpose | x |
| Income generation | |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | x |
| Group meetings | x |
| Credit insurance | |
| Workplace visits | x |
| Business training | |
| Other training | x |
| Other | |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | |
| Must own a home or land | |
| 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 9,300,000 |
| Portfolio (USD) | USD 222,488.04 |
| Active Clients with Loans | 1,760 |
| 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 | |
| Women | x |
| 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 |
| Currency | KHR |
| Minimum loan size | KHR 50,000 |
| Maximum loan size | 1,200,000 |
| 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 |
| Shortest loan term | 4.0 months |
| Longest loan term | 12.0 months |
| Approx average | 11.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 5% |
| Between 7 and 9 months | 5% |
| Between 10 and 12 months | 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 30,000 |
| Maximum loan size | 150,000 |
| Shortest loan term | 3.0 months |
| Longest loan term | 24.0 months |
| Approx average | 12.0 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 | 2.85% |
| Highest quoted nominal interest | 2.85% |
| 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 | 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 | Fee 2 | ||
|---|---|---|---|
| Description | Service Charge | Development Cost | |
| % of loan amount - min | 3.00% | 5.00% | |
| % of loan amount - max | 3.00% | 5.00% | |
| OR, Fixed amount - min | 0 | 0 | |
| Fixed amount - max | 0 | 0 | |
| Reason for variation | amortized over the loan term | amortized over the loan term | |
| Appears on Repayment Sched? | No | No |
| Ins 1 | |
|---|---|
| Description | MAF |
| % of loan amount - min | 0 |
| % of loan amount - max | 0 |
| OR, Fixed amount - min | 10 |
| Fixed amount - max | 32 |
| 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? |
| % loan amount deposited | 5.00% |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | PHP 1 |
| Conditions on access to deposit | Access During |
| Minimum interest rate paid | 4.00% |
| Maximum interest rate paid | 4.00% |
| Interest payment frequency | Quarterly |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | KHR 200,000 | KHR 500,000 | KHR 1,100,000 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
| Disbursement Date | 2013-03-27 | 2013-03-27 | 2013-03-27 | ||
| Loan Term (Months) | 11.0 months | 11.0 months | 12.0 months | ||
| Grace Period (Months) | 10.1 months | 10.1 months | 11.1 months | ||
| Total Cost of Credit | KHR 64,573 | KHR 161,433 | KHR 383,862 | ||
| True Price by Comp | |||||
| Interest price component | 32.0% | 32.0% | 32.2% | ||
| Fee Component | 0.0% | 0.0% | 0.0% | ||
| Insurance Component | 0.0% | 0.0% | 0.0% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 0.0% | 0.0% | 0.0% | ||
| Full APR (int fee ins tax dep) | 32.0% | 32.0% | 32.2% | ||
| Transparency Index | 100 | 100 | 100 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
|---|---|---|---|---|---|---|---|
| Loan Amount | PHP 29,500 | PHP 60,000 | PHP 70,000 | PHP 100,000 | |||
| Loan Cycle (1, 2, 3, etc) | 20 | 20 | 21 | 21 | |||
| Disbursement Date | 2011-03-10 | 2011-06-24 | 2011-08-31 | 2011-02-25 | |||
| Loan Term (Months) | 12.0 months | 6.0 months | 12.0 months | 9.0 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 | 70.2% | 87.6% | 70.1% | 80.6% | |||
| Insurance Component | 6.3% | 4.8% | 3.8% | 1.9% | |||
| Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
| Deposit Component | 9.0% | 9.2% | 7.2% | 8.1% | |||
| Full APR (int fee ins tax dep) | 85.5% | 101.6% | 81.2% | 90.6% | |||
| Transparency Index | 35 | 30 | 37 | 33 | |||
| 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 |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| N (# of Samples) | ||||||
| Total Borrrowers of Samples | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
