Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.kredit.com.kh |
Year established | 2000 |
Head of Institution | Chan Mach |
Regions active | Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampot, KandalKratié, Phnom Penh, Prey VengSiem Reap, Takéo |
# Branches | 51 |
Total Portfolio (nat'l) | KHR 239,343,000,000 |
Total Portfolio (USD) | USD 60,593,164.56 |
Active clients with loans | 62,626 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 0% - 20% |
Network affiliations | |
Funders |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
ID-AGR-KHR | KHR 100,000 - 20,000,000 | 4 - 12 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business, Have home or land | ||||||||
ID-AGR-USD | USD 100 - 5,000 | 4 - 12 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business, Have home or land | ||||||||
ID-KHR | KHR 200,000 - 40,000,000 | 4 - 36 | 80% - 100% | 0% - 20% | Business, Housing, Consumer | Women, Men, Have business, Have home or land | ||||||||
ID-USD | USD 100 - 20,000 | 4 - 36 | 80% - 100% | 0% - 20% | Business, Housing, Consumer | Women, Men, Have business, Have home or land | ||||||||
SG-AGR-KHR | KHR 100,000 - 1,200,000 | 4 - 12 | 80% - 100% | 0% - 20% | Business, Housing, Consumer | Women, Men, Have business, Have home or land | Group Mtgs | |||||||
SG-KHR | KHR 100,000 - 1,200,000 | 4 - 12 | 80% - 100% | 0% - 20% | Business, Housing, Consumer | Women, Men, Have business, Have home or land | Group Mtgs | |||||||
VSU-KHR | KHR 50,000 - 1,200,000 | 4 - 12 | 80% - 100% | 0% - 20% | Any Purpose | Women, Men | Credit Educ, Group Mtgs, Tech Asst Visits, Other Training |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
ID-AGR-KHR | 27.0%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 25.6% - 36% | 25.6% - 36% | 86 | ||||||||
ID-AGR-USD | 21.0%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 22.9% - 31.8% | 22.9% - 31.8% | 74 | ||||||||
ID-KHR | 24.0%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 27.7% - 36.8% | 27.7% - 36.8% | 72 | ||||||||
ID-USD | 19.8%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 21.8% - 30.7% | 21.8% - 30.7% | 73 | ||||||||
SG-AGR-KHR | 36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 36% | 36% | 100 | ||||||||
SG-KHR | 36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 36% | 36% | 100 | ||||||||
VSU-KHR | 34.2% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 32% - 32.2% | 32% - 32.2% | 100 |
Outstanding portfolio (INR) | INR 2,000,000 |
Portfolio (USD) | USD 37,735.85 |
Active Clients with Loans | 1,205 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
Individual | |
Solidarity group | x |
Village banking | |
Self help group | x |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | Only for purchase of farm animals |
Other (2) |
Credit education | |
Group meetings | x |
Credit insurance | |
Workplace visits | |
Business training | |
Other training | x |
Other | Training from veterinarian |
Other (2) | Health / Social Issue Training |
No other services |
Men | |
Women | x |
Must run a business | |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Household income <60,000 INR | |
Household income <120,000 INR | |
Must live in rural area | |
Must lives in urban area | |
Other | |
Other (2) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Currency | INR |
Minimum loan size | INR 12,000 |
Maximum loan size | 20,000 |
Shortest loan term | 12.0 months |
Longest loan term | 24.0 months |
Approx average | 0 |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 1.00% |
Highest quoted nominal interest | 1.00% |
Interest rate period | Monthly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Processing Fee |
% of loan amount - min | 2.00% |
% of loan amount - max | 2.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | 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 | |||
---|---|---|---|---|---|
Loan Amount | INR 15,000 | INR 17,000 | INR 18,000 | ||
Loan Cycle (1, 2, 3, etc) | 1 | 1 | 1 | ||
Disbursement Date | 2010-05-20 | 2010-05-28 | 2010-04-19 | ||
Loan Term (Months) | 12.1 months | 12.1 months | 12.0 months | ||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | ||
Total Cost of Credit | Not Known | Not Known | Not Known | ||
True Price by Comp | |||||
Interest and Fee Component | 25.7% | 25.7% | 25.5% | ||
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) | 25.7% | 25.7% | 25.5% | ||
MFIN MFI Earning (Annualised) | 25.7% | 25.7% | 25.5% | ||
MFIN Cost to Borrower (Annualised) | 25.7% | 25.7% | 25.5% | ||
Transparency Index | 47 | 47 | 47 | ||
MFIN Transparency Index | N/A | N/A | N/A | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
Key Statistics | |
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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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