| Number borrowers | 13,870 |
| Loan Amount (range) | KHR 300,000 - 200,000,000 |
| Loan Term (range) | 4 - 48 |
| Other Services (text summary) | |
| Annual Interest & Method | 25.2%-32.4% annual, Decl Bal |
| Fees | None |
| Insurance | None |
| Tax | None |
| Comp Dep | N/A |
| Range of pricing | |
| Interest Price Component | 14.5% - 34.8% |
| Fee Component | 0 |
| Insurance Component | 0 |
| Tax Component Range | 0 |
| Full APR (int fee ins tax dep) | 25.3% - 34.8% |
| Transparency Index (min/max) | 52 - 100 |
| Transparency Index (average) | 83 |
| 14,472 |
| PHP 5,000 - 150,000 |
| 6 - 24 |
| Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Transformation Program, Environment Program |
| 21.0%-36.0% annual, Flat |
| 3.00% upfront 100.00 upfront |
| 300.00 upfront 30.00 ongoing |
| None |
| 10.00% ongoing |
| N/A |
| 67.4% - 91.1% (Int+Fee) |
| 0 - 54.9% |
| 0 |
| 71.0% - 157.5% |
| 13 - 78 |
| 22 |
| 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% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | |
| Group meetings | |
| Credit insurance | |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services | x |
| 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) |
| # 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 |
| Outstanding portfolio (PHP) | PHP 219,300,668 |
| Portfolio (USD) | USD 5,246,427.46 |
| Active Clients with Loans | 14,472 |
| Approximate % Female Clients | 60% - 80% |
| Approximate % Urban Clients | 0% - 20% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | x |
| Group meetings | x |
| Credit insurance | x |
| Workplace visits | x |
| Business training | x |
| Other training | x |
| Other | Transformation Program |
| Other (2) | Environment Program |
| No other services |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Currency | KHR |
| Minimum loan size | KHR 300,000 |
| Maximum loan size | 200,000,000 |
| 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% |
| Shortest loan term | 4.0 months |
| Longest loan term | 48.0 months |
| Approx average | 20.0 months |
| 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 usage | 10% |
| Average grace period | 2.0 months |
| 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 |
| Currency | PHP |
| Minimum loan size | PHP 5,000 |
| Maximum loan size | 150,000 |
| Shortest loan term | 6.0 months |
| Longest loan term | 24.0 months |
| Approx average | 6.0 months |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | x |
| Every 2 weeks | x |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments |
| 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 |
| 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 |
| Lowest quoted nominal interest | 1.75% |
| Highest quoted nominal interest | 3.00% |
| Reason(s) why interest rate varies | Time as Client, Loan Size, Client Risk |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Flat |
| Subsidized by funder request? | |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | Fee 2 | ||
|---|---|---|---|
| Description | Service Fee | Business Development Support Service | |
| % of loan amount - min | 3.00% | 0 | |
| % of loan amount - max | 3.00% | 0 | |
| OR, Fixed amount - min | 0 | 100 | |
| Fixed amount - max | 0 | 100 | |
| Reason for variation | N/A | ||
| Appears on Repayment Sched? | No | No |
| Ins 1 | |
|---|---|
| Description | ASKI MBA Life Insurance |
| % of loan amount - min | 0 |
| % of loan amount - max | 0 |
| OR, Fixed amount - min | 300 |
| Fixed amount - max | 300 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | No |
| Ins 1 | |
|---|---|
| Description | ASKI MBA Life Insurance |
| % of loan amount - min | 0 |
| % of loan amount - max | 0 |
| OR, Fixed amount - min | 30 |
| Fixed amount - max | 30 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | Yes |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | Yes |
| Do borrowers control deposit in their group? |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 10.00% |
| or, Fixed-amount deposited | 0 |
| Conditions on access to deposit | Access During |
| Minimum interest rate paid | 1.00% |
| Maximum interest rate paid | 1.00% |
| Interest payment frequency | Monthly |
| Are taxes charged on this product? | No |
| 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 | |||||||||
| MFT Pricing Calculation |
| Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Loan Amount | PHP 8,000 | PHP 14,000 | PHP 30,000 | PHP 60,000 | PHP 90,000 | PHP 120,000 | |||||
| Loan Cycle (1, 2, 3, etc) | 1 | 4 | 1 | 3 | 3 | 6 | |||||
| Disbursement Date | 2011-04-29 | 2011-04-15 | 2011-04-15 | 2011-04-29 | 2011-05-17 | 2011-05-25 | |||||
| Loan Term (Months) | 6.0 months | 6.0 months | 6.0 months | 6.0 months | 12.0 months | 12.0 months | |||||
| Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | |||||
| Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
| True Price by Comp | |||||||||||
| Interest and Fee Component | 91.1% | 88.5% | 77.6% | 87.0% | 67.8% | 67.4% | |||||
| Insurance Component | 54.9% | 20.6% | 5.1% | 4.8% | 2.8% | 2.1% | |||||
| Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
| Deposit Component | 11.6% | 8.8% | 5.7% | 4.3% | 2.0% | 1.5% | |||||
| Full APR (int fee ins tax dep) | 157.5% | 117.9% | 88.4% | 96.1% | 72.6% | 71.0% | |||||
| Transparency Index | 13 | 18 | 24 | 22 | 29 | 30 | |||||
| Original Repayment Schedule | |||||||||||
| MFT Pricing Calculation |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
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