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

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 Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.credit.com.kh/
Year established2000
Head of InstitutionChan Mach
Regions active0
# Branches9

Total Portfolio (nat'l)KHR 125,183,000,000
Total Portfolio (USD)USD 31,295,868.90
Active clients with loans48,035
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations
Funders

Loan Products » Summary

IDR-AGR-KHR
9,285 Borrowers
USD 4,356,612.39 Portfolio
Active Product
ID-AGR-USD
418 Borrowers
USD 412,581.69 Portfolio
Active Product
ID-KHR
9,692 Borrowers
USD 2,761,140.32 Portfolio
Active Product
ID-USD
18,936 Borrowers
USD 20,974,981.45 Portfolio
Active Product
SG-AGR-KHR
359 Borrowers
USD 55,401.50 Portfolio
Active Product
SG-KHR
524 Borrowers
USD 46,503.60 Portfolio
Active Product
SG-USD
67 Borrowers
USD 10,762.06 Portfolio
Active Product
SME-USD
5 Borrowers
USD 74,756.67 Portfolio
Active Product
VSU-KHR
8,390 Borrowers
USD 985,030.86 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
ID-AGR-KHR KHR 100,000 - 10,000,000 4 - 12 80% - 100% 0% - 20% Business Have business, Have home or land
ID-AGR-USD USD 100 - 2,500 4 - 12 80% - 100% 0% - 20% Business Have business, Have home or land
ID-KHR KHR 200,000 - 40,000,000 4 - 24 80% - 100% 0% - 20% Business, Housing, Consumer Have business, Have home or land
ID-USD USD 100 - 10,000 4 - 24 80% - 100% 0% - 20% Business, Housing, Consumer Have business, Have home or land
SG-AGR-KHR KHR 100,000 - 1,200,000 4 - 12 80% - 100% 0% - 20% Business, Housing 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 Have business, Have home or land Group Mtgs
SG-USD USD 50 - 300 4 - 12 80% - 100% 0% - 20% Business, Housing, Consumer Have business, Have home or land Credit Educ, Group Mtgs
SME-USD USD 10,000 - 30,000 4 - 24 80% - 100% 80% - 100% Business Have business, Have home or land
VSU-KHR KHR 50,000 - 1,000,000 4 - 12 80% - 100% 0% - 20% Any Purpose Credit Educ, Group Mtgs, Tech Asst Visits, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
ID-AGR-KHR 30.0%-36.0% annual, Flat 0 Fees 0 Ins None N/A 30.4% - 36.5% 30.4% - 36.5% 85
ID-AGR-USD 33.6%-36.0% annual, Flat 0 Fees 0 Ins None N/A 32.8% - 33.5% 32.8% - 33.5% 100
ID-KHR 24.0%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 34.1% - 36.5% 34.1% - 36.5% 67
ID-USD 21.6%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 23.1% - 31.1% 23.1% - 31.1% 79
SG-AGR-KHR 36.0% annual, Flat 0 Fees 0 Ins None N/A 36.5% - 36.6% 36.5% - 36.6% 98
SG-KHR 36.0% annual, Flat 0 Fees 0 Ins None N/A 36.5% 36.5% 99
SG-USD 30.0%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 28.8% - 31.2% 28.8% - 31.2% 100
SME-USD 19.2%-21.6% annual, Decl Bal 2 Fees 0 Ins None N/A 20% - 22.5% 20% - 22.5% 92
VSU-KHR 34.2% annual, Flat 0 Fees 0 Ins None N/A 34.6% - 34.7% 34.6% - 34.7% 99
Institution Price Graph
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  2. SCCI
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

Institution

SWAWS Credit Corporation India Private Limited C2 Pooja Plaza, Vikrampuri ColonyKharkhanaSecunderabad, Andhra Pradesh500003
Data approved: 2013-05-14
Data version: 2
Age of data: 139 months
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Product

Weekly JLG Product 3 of 3 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (INR)INR 680,411,879
Portfolio (USD)USD 12,837,959.98
Active Clients with Loans94,660
Approximate % Female Clients100%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity group
Village banking
Self help groupx
OtherJoint Liability Group
Description
A weekly loan product that offers loans in the range of Rs.10000-26000 , for a 50 weeks tenure and weekly repayments . The interest rate charged for the loan is 12.5% (flat)
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other training
OtherProduct Linkages
Other (2)
No other services
Eligibility
Men
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Household income <60,000 INRx
Household income <120,000 INRx
Must live in rural area
Must lives in urban area
Other3 out of 5 members should have own house
Other (2)Age should be above 18 and upto 58
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution5
# Regions for this product5
Regions ActiveAndhra Pradesh, Karnataka, Maharashtra, Orissa, Tamil Nadu

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 5,000
Maximum loan size30,000
Distribution at Disbursement (Est.)
Loans less than INR 5,0005%
INR 5,000-15,00060%
INR 15,000-25,00030%
INR 25,000-35,0005%
INR 35,000-45,0000
Greater than INR 45,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term24.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months60%
Between 13 and 18 months40%
Longer than 18 months0
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 interest25.00%
Highest quoted nominal interest26.72%
Reason(s) why interest rate variesLoan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance
% of loan amount - min0.70%
% of loan amount - max0.70%
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?Yes
Percentage of fees12.4%
All or some fees taxedSome

Full Pricing Data

Weekly JLG samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountINR 8,000INR 15,000INR 10,000INR 12,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2012-09-012012-09-012012-09-012012-09-01
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)-0.1 months-0.1 months-0.1 months-0.1 months
Total Cost of CreditINR 1,195.89INR 2,273.54INR 1,482.36INR 1,768.83
True Price by Comp       
Interest price component26.2%26.6%26.0%25.8%
Fee Component2.2%2.2%2.1%2.2%
Insurance Component1.5%1.5%1.6%1.5%
Tax Component0.3%0.3%0.3%0.3%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)30.2%30.6%30.0%29.8%
MFIN MFI Earning (Annualised)28.4%28.8%28.1%28.0%
MFIN Cost to Borrower (Annualised)30.2%30.6%30.0%29.8%
Transparency Index83828384
MFIN Transparency Index95949697
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
Weekly JLG Price Graphs


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Key Statistics
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# Products
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# 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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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