PRASAC - Business Loan (KHR) - MFTransparency.org Truth In Lending Tables

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Institution

PRASAC Building 212, Street 271, Sangkat Tuol Tumpoung IIKhan ChamkarmornPhnom Penh

Data approved: 2013-03-25

Data version: 3

Age of data: 141 months

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Product

Business Loan (KHR) Product 4 of 9 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (KHR)	KHR 55,592,347,832
Portfolio (USD)	USD 14,074,012.11
Active Clients with Loans	13,870
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	0% - 20%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

Loan size up to 200,000,000 KHR, loan term 48 months, declining balance for repayment

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
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	x

Eligibility

Men	x
Women	x
Must run a business	x
Must own a home or land	x
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 institution	24
# Regions for this product	24
Regions Active	Banteay 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

Loan Conditions

Loan Amount

Currency	KHR
Minimum loan size	KHR 300,000
Maximum loan size	200,000,000

Distribution at Disbursement (Est.)

Loans less than KHR 1,000,000	0
KHR 1,000,000-3,500,000	10%
KHR 3,500,000-6,000,000	20%
KHR 6,000,000-8,000,000	20%
KHR 8,000,000-10,000,000	10%
Greater than KHR 10,000,000	10%

Loan Term and Grace Period

Shortest loan term	4.0 months
Longest loan term	48.0 months
Approx average	20.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	0
Between 7 and 9 months	0
Between 10 and 12 months	15%
Between 13 and 18 months	5%
Longer than 18 months	80%

Grace Period

Grace period usage	10%
Average grace period	2.0 months

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months	x
Quarterly	x
Every 6 months
Every 12 months
Single end payment
Irregular payments	x

Pricing Information

Interest

Lowest quoted nominal interest	2.10%
Highest quoted nominal interest	2.70%
Reason(s) why interest rate varies	Loan Size
Interest rate period	Monthly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

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 for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Business Loan (KHR) samples

	Sample 2	Sample 3	Sample 4	Sample 5	Sample 6
Loan Amount	KHR 500,000	KHR 1,200,000	KHR 2,400,000	KHR 7,000,000	KHR 12,000,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2012-09-12	2012-08-23	2013-01-31	2012-06-22	2013-01-18
Loan Term (Months)	12.0 months	18.0 months	5.6 months	24.0 months	37.0 months
Grace Period (Months)	0.2 months	0.1 months	-0.4 months	2.9 months	3.0 months
Total Cost of Credit	KHR 93,149	KHR 337,925	KHR 198,720	KHR 2,263,374	KHR 5,097,831
True Price by Comp
Interest price component	33.6%	34.8%	32.5%	27.7%	25.3%
Fee Component	0.0%	0.0%	0.0%	0.0%	0.0%
Insurance Component	0.0%	0.0%	0.0%	0.0%	0.0%
Tax Component	0.0%	0.0%	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	33.6%	34.8%	32.5%	27.7%	25.3%
Transparency Index	75	72	78	91	100

Original Repayment Schedule	PDF	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF	PDF

Business Loan (KHR) Price Graphs

Click to view Price Analysis Tool

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
Adhikar	35,300	2,674,000	1	141
AMPL	0	0	0	141
Arman	41,500	529,107,000	1	141
Arohan	43,500	8,091,000	2	141
ASA INDIA	164,000	15,380,000	1	141
Asirvad	113,500	19,328,000	1	141
Asmitha	1,114,800	217,867,000	1	141
Bandhan	4,048,600	674,564,000	5	141
Belstar	123,000	23,945,000	2	120
BSFL	275,200	31,590,000	3	141
Chaitanya	20,700	3,748,000	3	141
Disha Microfin	69,000	14,332,000	2	141
Equitas	1,220,000	186,415,000	4	141
ESAF	354,200	43,500,000	5	141
FFSL	150,600	35,719,000	2	141
Fusion	66,800	9,820,000	2	141
Grama Vidiyal	738,200	102,101,000	1	141
Grameen Koota	586,600	83,555,000	15	143
Janalakshmi	506,000	119,077,000	2	141
L & T Finance	399,800	37,199,000	1	141
MFL	331,800	49,083,000	1	141
MMFL	175,000	23,752,000	2	141
Mpower	13,600	2,263,000	2	141
Sahayata	0	0	0	141
Saija	24,700	4,682,000	2	141
Samasta	45,500	4,809,000	2	141
Satin	405,600	90,174,000	2	141
SCCI	115,600	15,910,000	2	141
Share	2,195,400	376,727,000	1	141
SKS	3,409,000	355,029,000	2	141
SMILE	360,200	56,927,000	1	141
SNFL	9,400	1,779,000	1	141
Sonata Finance	158,200	22,724,000	3	143
Spandana	533,400	147,240,000	2	141
Suryoday	78,600	14,713,000	3	141
SVCL	118,200	18,886,000	1	141
Swadhaar	92,800	17,166,000	3	141
Trident	68,700	8,852,000	1	141
Ujjivan	913,300	160,848,000	5	141
Utkarsh	168,600	25,915,000	3	141
VFS	175,400	19,264,000	2	141
Asomi	50,300	4,743,000	2	174
AES India	3,600	286,000	1	174
Arth	2,900	611,000	2	174
Asomi	50,300	4,743,000	2	174
Barasat GS	1,100	99,508.02	1	174
BJS	6,000	468,000	1	174
Cashpor	417,000	50,452,000	1	173
Credible	10,000	1,669,540.36	2	174
DIBAKAR	1,800	145,000	1	173
GOF	65,200	5,388,000	4	173
Hope	62,600	4,407,000	1	171
Jaago	2,700	237,000	1	172
LOK	4,900	573,000	1	173
Nano	25,600	3,660,000	2	174
NBSAAVS	28,100	2,821,000	1	171
Nirantara	8,200	917,000	2	173
Parama	7,100	482,000	1	173
Pragathi	26,200	4,579,000	6	173
PWMACS	36,500	5,946,000	1	173
Saadhana	90,900	12,046,000	2	173
Sambhav	1,500	183,000	3	173
Seba Rahara	6,700	468,000	1	173
SU	61,100	5,498,000	1	173
Swayanshree	7,900	918,000	2	173
Vikas Samiti	1,600	168,000	1	173
Vistaar	4,300	1,157,000	2	171
We The People	1,100	244,000	2	173
WEMCS	1,100	85,000	1	173
Yukti	1,100	99,000	2	173

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

	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 ∞

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Business Loan (KHR) samples

Business Loan (KHR) Price Graphs

Total Borrowers of Samples

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