2. PRASAC
Please note that the information you are viewing is 140 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Union RB
Please note that the information you are viewing is 141 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

PRASAC Building 212, Street 271, Sangkat Tuol Tumpoung IIKhan ChamkarmornPhnom Penh
Data approved: 2013-03-25
Data version: 3
Age of data: 140 months
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Institution

Union Rural Bank Limited Head OfficeSenya Bereku, Central RegionP.O. Box 5
Data approved: 2013-02-26
Data version: 2
Age of data: 141 months
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Product

Consumption Loan (USD) Product 7 of 9 « Prev | Next »

Product

Group Loan Product 1 of 5 « Prev | Next »

Product Summary

Number borrowers23,576
Loan Amount (range)USD 75 - 25,000
Loan Term (range)4 - 48
Other Services (text summary)
Annual Interest & Method19.2%-32.4% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component14.5% - 34.8%
Fee Component0
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)21.7% - 32.4%
Transparency Index (min/max)52 - 100
Transparency Index (average)73

Product Summary

1,367
GHS 500 - 3,000
4 - 6
Credit Educ, Group Mtgs
48.00% annual, Flat
2 fees
None
None
10.00% upfront
 
51.3% - 85.2%
6.0% - 24.9%
0
0
123.7% - 127.3%
37 - 56
38

Product Details

Key Statistics
Outstanding portfolio (USD)USD 47,278,739
Portfolio (USD)USD 47,278,739
Active Clients with Loans23,576
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This loan will be used for consumption suach as buying electronic equipment pay school fee, married, house improvement. Client who want to borrow this loan must have business that can generate profit to pay back the loan.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loanx
Agriculture
Educationx
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 worker
Must be specific age group
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 (GHS)GHS 370,227
Portfolio (USD)USD 187,932.49
Active Clients with Loans1,367
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Designed for groups of individuals.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
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 institution2
# Regions for this product2
Regions ActiveGreater Accra Region, Central Region

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 75
Maximum loan size25,000
Distribution at Disbursement (Est.)
Loans less than USD 2500
USD 250-1,0005%
USD 1,000-1,5005%
USD 1,500-2,00010%
USD 2,000-2,50010%
Greater than USD 2,50010%
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term48.0 months
Approx average25.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months5%
Between 13 and 18 months5%
Longer than 18 months80%
Grace Period
Grace period usage10%
Average grace period2.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 500
Maximum loan size3,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,00020%
GHS 1,000-5,00080%
GHS 5,000-7,5000
GHS 7,500-10,0000
GHS 10,000-13,0000
Greater than GHS 13,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term6.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months100%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period0.8 months
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 interest1.60%
Highest quoted nominal interest2.70%
Reason(s) why interest rate variesLoan Size
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 interest48.00%
Highest quoted nominal interest48.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionCommitment FeeLoan Form and Pass Book Fee
% of loan amount - min5.00%0
% of loan amount - max5.00%0
OR, Fixed amount - min07
Fixed amount - max07
Reason for variationN/AN/A
Appears on Repayment Sched?YesNo
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited1.00%
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid2.00%
Maximum interest rate paid7.50%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Full Pricing Data

Consumption Loan (USD) samples
Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 300USD 600USD 1,700USD 3,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-122013-01-022012-08-302013-03-18
Loan Term (Months)10.0 months12.0 months15.0 months37.0 months
Grace Period (Months)-0.2 months0.0 months-0.4 months0.0 months
Total Cost of CreditUSD 43.27USD 102.36USD 246.53USD 1,008.13
True Price by Comp       
Interest price component32.4%31.2%22.9%21.7%
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)32.4%31.2%22.9%21.7%
Transparency Index59618488
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Group Loan samples
Sample 1Sample 2Sample 3
Loan AmountGHS 600GHS 1,500GHS 1,200
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-02-132013-02-132013-02-13
Loan Term (Months)6.0 months6.0 months6.0 months
Grace Period (Months)0.4 months0.4 months0.4 months
Total Cost of CreditGHS 181GHS 442GHS 355
True Price by Comp     
Interest price component81.1%81.1%81.1%
Fee Component24.9%22.0%22.5%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component21.3%20.6%20.7%
Full APR (int fee ins tax dep)127.3%123.7%124.3%
Transparency Index383939
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Consumption Loan (USD) Price Graphs


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Group Loan 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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X Axis
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