2. KREDIT
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  2. Arth
Please note that the information you are viewing is 171 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

CREDIT #17, Street 163ChamkarmornPhnom Penh, PPN/A
Data approved: 2011-02-02
Data version: 2
Age of data: -   months 
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Institution

Arth Microfinance Pvt Ltd A-11,Mahaveer udyan pathBajaj NagarJaipur, Rajasthan302015
Data approved: 2010-10-25
Data version: 1
Age of data: 171 months

Product

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Product

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Product Summary

Number borrowers9,692
Loan Amount (range)KHR 200,000 - 40,000,000
Loan Term (range)4 - 24
Other Services (text summary)
Annual Interest & Method24.0%-36.0% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component34.1% - 36.5% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)34.1% - 36.5%
Transparency Index (min/max)66 - 104
Transparency Index (average)67

Product Summary

152
INR 35,000 - 35,000
16
Credit Educ, Group Mtgs, Credit Ins, Business Training
14.0% annual, Flat
2.00% upfront
2.00% upfront
None
N/A
 
N/A
29.2% (Int+Fee)
3.2% - 4.2%
0
32.4%
0 - N/A
43

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 11,044,561,291
Portfolio (USD)USD 2,761,140.32
Active Clients with Loans9,692
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This product is an option for client who invests or develops their business activities by using loan in KHR.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Men
Women
Must run a businessx
Must own a home or landx
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

Product Details

Key Statistics
Outstanding portfolio (INR)INR 5,360,750
Portfolio (USD)USD 101,146.23
Active Clients with Loans152
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
This Loan is Issued for Asset Creation purpose.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherCan only be used for FIXED assets
Other (2)Asset Creation of Borrower's Choice
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
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)
# 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 200,000
Maximum loan size40,000,000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term24.0 months
Approx average13.3 months
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
Grace Period
Grace period usage10%
Average grace period3.0 months
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeksx
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 35,000
Maximum loan size35,000
Loan Term and Grace Period
Shortest loan term16.0 months
Longest loan term16.0 months
Approx average16.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months100%
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period0.4 months
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 interest2.00%
Highest quoted nominal interest3.00%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
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 interest14.00%
Highest quoted nominal interest14.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
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

Full Pricing Data

ID-KHR samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountKHR 250,000KHR 600,000KHR 1,200,000KHR 2,500,000KHR 5,000,000KHR 7,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-03-142013-03-272013-03-252013-03-272013-03-052013-03-22
Loan Term (Months)10.0 months10.0 months12.0 months12.0 months18.0 months20.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component36.5%35.3%36.4%36.5%36.5%34.1%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)36.5%35.3%36.4%36.5%36.5%34.1%
Transparency Index666866666670
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Sampda samples
Sample 1
Loan AmountINR 35,000
Loan Cycle (1, 2, 3, etc)4
Disbursement Date2010-06-18
Loan Term (Months)16.3 months
Grace Period (Months)0
Total Cost of CreditNot Known
True Price by Comp 
Interest and Fee Component29.2%
Insurance Component3.2%
Tax Component0
Deposit Component0
Full APR (int fee ins tax dep)32.4%
MFIN MFI Earning (Annualised)29.2%
MFIN Cost to Borrower (Annualised)32.4%
Transparency Index43
MFIN Transparency IndexN/A
  
Original Repayment SchedulePDF
MFT Pricing CalculationPDF
* The APR stated here is an MFTransparency term, definition and formula
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Key Statistics
# Samples:
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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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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