2. HKL
Please note that the information you are viewing is 136 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. KMBI
Please note that the information you are viewing is 156 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Hattha Kaksekar Limited No 606, st 271,Sangkat Phsar Deum Thkouv, Khan ChamkamornPhnom Penh, CambodiaPO Box 855
Data approved: 2013-03-20
Data version: 3
Age of data: 136 months
Choose version

Institution

Kabalikat para sa Maunlad na Buhay, Inc. 12 San Francisco St.KaruhatanValenzuela City1441
Data approved: 2011-11-15
Data version: 1
Age of data: 156 months

Product

Medium Loans Product 2 of 4 « Prev | Next »

Product

Group Loan Product 1 of 1 « Prev | Next »

Product Summary

Number borrowers13,784
Loan Amount (range)USD 2,501 - 10,000
Loan Term (range)3 - 36
Other Services (text summary)
Annual Interest & Method21.6%-30.0% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component21.4% - 34.8%
Fee Component0
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)21.4% - 26.5%
Transparency Index (min/max)70 - 101
Transparency Index (average)92

Product Summary

245,017
PHP 4,000 - 20,000
6
Group Mtgs
40.0% annual, Flat
1.50% upfront
196.00-206.00 upfront
None
5.0% upfront 40.00 ongoing
 
N/A
85.7% - 93.8% (Int+Fee)
6.3% - 14.5%
0
107.7% - 135.2%
30 - 37
33

Product Details

Key Statistics
Outstanding portfolio (USD)USD 45,241,769.30
Portfolio (USD)USD 45,241,769.30
Active Clients with Loans13,784
Approximate % Female Clients60% - 80%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Medium Loan product ranges between USD $2,500 to USD $10,000 loan sizes.
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 servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried workerx
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution24
# Regions for this product24
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Mondulkiri , Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 631,134,086
Portfolio (USD)USD 15,098,901.58
Active Clients with Loans245,017
Approximate % Female Clients80% - 100%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity group
Village banking
Self help group
OtherSolidarity group between 30 to 40 individuals.
Description
Group loan is an additional financial provision to all women microentrepreneurial poor. Minimum of 30, maximum of 40. Initial loan of Php4000 and maximum of Php20000 with an interest 3.33% per month.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visits
Business training
Other training
Other
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
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
CurrencyUSD
Minimum loan sizeUSD 2,501
Maximum loan size10,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term36.0 months
Approx average19.5 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months20%
Between 7 and 9 months20%
Between 10 and 12 months20%
Between 13 and 18 months20%
Longer than 18 months20%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 monthsx
Every 12 months
Single end payment
Irregular paymentsx

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 4,000
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term6.0 months
Approx average6.0 months
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 interest1.80%
Highest quoted nominal interest2.50%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose, High credit risk level = higher interest rate
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
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 interest3.33%
Highest quoted nominal interest3.33%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min1.50%
% of loan amount - max1.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionMicroinsurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min196
Fixed amount - max206
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited5.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 40
Conditions on access to depositWhen Leaving
Interest Paid on Deposit
Minimum interest rate paid2.00%
Maximum interest rate paid2.00%
Interest payment frequencyEnd Term
Taxes
Are taxes charged on this product?No

Full Pricing Data

Medium Loans samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 2,300USD 2,300USD 3,000USD 3,100
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-05-062013-03-222013-05-232013-05-23
Loan Term (Months)24.0 months24.0 months30.0 months24.0 months
Grace Period (Months)0.0 months-0.1 months-0.4 months-0.2 months
Total Cost of CreditUSD 552.12USD 637.80USD 873.99USD 687.24
True Price by Comp       
Interest price component22.9%26.5%22.9%21.4%
Fee Component0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)22.9%26.5%22.9%21.4%
Transparency Index948294100
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Group Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 7,000PHP 7,000PHP 13,000PHP 16,000
Loan Cycle (1, 2, 3, etc)6Not Known66
Disbursement Date2011-08-052011-09-012011-08-052011-09-01
Loan Term (Months)5.6 months6.0 months6.0 months6.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component85.7%93.8%85.7%93.8%
Insurance Component13.1%14.5%7.0%6.3%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component22.5%26.9%15.0%15.9%
Full APR (int fee ins tax dep)121.3%135.2%107.7%116.0%
Transparency Index33303734
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Medium Loans Price Graphs


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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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