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

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Institution

PRASAC #25, St 294 & 57, Boeung Kengkang1ChamkarmonPhnom Penh, Phnom Penh2224

Data approved: 2010-09-22

Data version: 1

Age of data: - months

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Product

Consumption Loan (KHR) Product 6 of 9 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (KHR)	KHR 5,867,697,000
Portfolio (USD)	USD 1,466,924.25
Active Clients with Loans	3,646
Approximate % Female Clients	40% - 60%
Approximate % Urban Clients	0% - 20%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

Loan Purpose

Any purpose
Income generation
Mortgage/housing	x
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education	x
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services

Eligibility

Men
Women
Must run a business
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 institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	KHR
Minimum loan size	KHR 300,000
Maximum loan size	40,000,000

Loan Term and Grace Period

Shortest loan term	0
Longest loan term	0
Approx average	0

Distribution at Disbursement (Est.)

Loans 3 months or less	N/A
Between 4 and 6 months	N/A
Between 7 and 9 months	N/A
Between 10 and 12 months	N/A
Between 13 and 18 months	N/A
Longer than 18 months	N/A

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
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 interest	1.80%
Highest quoted nominal interest	2.70%
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	N/A
Is rate fixed for entire loan term	N/A

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

Consumption Loan (KHR) samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5	Sample 6
Loan Amount	KHR 500,000	KHR 1,000,000	KHR 2,000,000	KHR 4,000,000	KHR 6,000,000	KHR 7,500,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known	Not Known	Not Known
Disbursement Date	N/A	N/A	2012-12-27	2013-02-12	2012-09-20	2012-12-06
Loan Term (Months)	N/A	N/A	N/A	N/A	N/A	N/A
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	DK	DK	DK	DK	DK	DK
Insurance Component	32.6%	32.6%	32.1%	31.3%	29.7%	22.9%
Tax Component	-32.6%	-32.6%	-32.1%	-31.3%	-29.7%	-22.9%
Deposit Component	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	DK	DK	DK	DK	DK	DK
Transparency Index	-1	-1	-1	-1	-1	-1

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

Consumption Loan (KHR) 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

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N (# of Samples)
Total Borrrowers of Samples


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By Country

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