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 |
7,089 |
TZS 50,000 - 4,000,000 |
3 - 12 |
Credit Educ, Group Mtgs, Credit Ins, Other Training, Group dynamics |
48.00% annual, Flat |
None |
None |
None |
20.00% upfront |
54.3% - 93.0% |
0 - 37.2% |
0 |
0 |
108.4% - 130.3% |
35 - 55 |
38 |
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 (TZS) | TZS 1,427,941,703 |
Portfolio (USD) | USD 898,076.54 |
Active Clients with Loans | 7,089 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 80% - 100% |
Individual | |
Solidarity group | x |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | x |
Consumer loan | |
Agriculture | |
Education | x |
Other household finance | x |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | x |
Other | Group dynamics |
Other (2) | |
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 | 18 and above |
Other (2) |
# Regions for this institution | 4 |
# Regions for this product | 4 |
Regions Active | Dar es Salaam, Mara, Mtwara, Pwani |
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 | TZS |
Minimum loan size | TZS 50,000 |
Maximum loan size | 4,000,000 |
Loans less than TZS 350,000 | 15% |
TZS 350,000-1,250,000 | 50% |
TZS 1,250,000-2,000,000 | 20% |
TZS 2,000,000-3,000,000 | 10% |
TZS 3,000,000-4,000,000 | 5% |
Greater than TZS 4,000,000 | 5% |
Shortest loan term | 3.0 months |
Longest loan term | 12.0 months |
Approx average | 4.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 100% |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 0 |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | x |
Every 2 weeks | x |
Every 4 weeks | |
Monthly | |
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 | 48.00% |
Highest quoted nominal interest | 48.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | Yes |
Is rate fixed for entire loan term | Yes |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | No |
Do borrowers control deposit in their group? | Yes |
% loan amount deposited | 20.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | Final Pmt |
Minimum interest rate paid | 0 |
Maximum interest rate paid | 0 |
Interest payment frequency | N/A |
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 | TZS 100,000 | TZS 300,000 | TZS 550,000 | TZS 900,000 | TZS 1,900,000 | TZS 2,800,000 | |||||
Loan Cycle (1, 2, 3, etc) | 2 | 1 | 4 | 4 | 4 | 4 | |||||
Disbursement Date | 2013-01-16 | 2013-01-16 | 2013-02-11 | 2013-02-20 | 2013-01-17 | 2013-01-31 | |||||
Loan Term (Months) | 3.7 months | 3.7 months | 4.7 months | 3.7 months | 6.0 months | 7.0 months | |||||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.1 months | 0.0 months | |||||
Total Cost of Credit | TZS 16,000 | TZS 48,000 | TZS 110,000 | TZS 144,000 | TZS 456,000 | TZS 896,016 | |||||
True Price by Comp | |||||||||||
Interest price component | 87.8% | 87.8% | 88.8% | 87.8% | 76.4% | 89.0% | |||||
Fee Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Deposit Component | 41.3% | 41.3% | 41.5% | 41.3% | 32.0% | 39.7% | |||||
Full APR (int fee ins tax dep) | 129.1% | 129.1% | 130.3% | 129.1% | 108.4% | 128.7% | |||||
Transparency Index | 37 | 37 | 37 | 37 | 44 | 37 | |||||
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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