| Outstanding portfolio (USD) | USD 15,179,360 |
| Portfolio (USD) | USD 15,179,360 |
| Active Clients with Loans | 5,680 |
| Approximate % Female Clients | 20% - 40% |
| Approximate % Urban Clients | 60% - 80% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | x |
| Income generation | |
| 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 | 22 |
| # Regions for this product | 18 |
| Regions Active | Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, KandalKratié, Oddar Meancheay, Pailin, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo |
| Currency | USD |
| Minimum loan size | USD 50 |
| Maximum loan size | 25,000 |
| Loans less than USD 250 | 0 |
| USD 250-1,000 | 10% |
| USD 1,000-1,500 | 20% |
| USD 1,500-2,000 | 10% |
| USD 2,000-2,500 | 30% |
| Greater than USD 2,500 | 30% |
| Shortest loan term | 1.0 month |
| Longest loan term | 12.0 months |
| Approx average | 6.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 10% |
| Between 7 and 9 months | 10% |
| Between 10 and 12 months | 80% |
| Between 13 and 18 months | 0 |
| Longer than 18 months | 0 |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments |
| Lowest quoted nominal interest | 1.50% |
| Highest quoted nominal interest | 2.50% |
| Reason(s) why interest rate varies | Time as Client, Loan Size, Client Risk, Loan Purpose |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | |
|---|---|
| Description | upfront fee |
| % of loan amount - min | 0.20% |
| % of loan amount - max | 0.20% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | Fee charge are based on loan size. |
| Appears on Repayment Sched? | No |
| 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 |
| Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | |||||
|---|---|---|---|---|---|---|---|---|---|
| Loan Amount | USD 200 | USD 300 | USD 600 | USD 1,800 | USD 3,000 | ||||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
| Disbursement Date | 2013-01-18 | 2013-03-27 | 2013-01-19 | 2013-03-01 | 2013-01-03 | ||||
| Loan Term (Months) | 12.0 months | 12.0 months | 12.0 months | 12.0 months | 12.0 months | ||||
| Grace Period (Months) | 4.9 months | 4.9 months | 11.2 months | 5.3 months | 5.1 months | ||||
| Total Cost of Credit | USD 45.41 | USD 67.49 | USD 184.20 | USD 481.69 | USD 533.25 | ||||
| True Price by Comp | |||||||||
| Interest price component | 30.1% | 30.1% | 30.0% | 30.0% | 22.9% | ||||
| Fee Component | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | ||||
| 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) | 30.4% | 30.4% | 30.3% | 30.3% | 23.2% | ||||
| Transparency Index | 59 | 59 | 59 | 59 | 78 | ||||
| Original Repayment Schedule | |||||||||
| MFT Pricing Calculation |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| 1st Valley Bank | 38,900 | 48,291,000 | 3 | 160 |
| AJDFI | 13,100 | 884,000 | 6 | 160 |
| ARDCI | 44,600 | 9,403,000 | 1 | 160 |
| ASA Philippines | 333,400 | 29,282,000 | 1 | 160 |
| ASHI | 35,400 | 5,231,000 | 6 | 160 |
| ASKI | 60,000 | 15,247,000 | 4 | 160 |
| Bangko Kabayan | 8,900 | 2,373,000 | 2 | 160 |
| BSEI | 600 | 73,000 | 2 | 160 |
| CBI | 8,100 | 2,010,000 | 5 | 160 |
| CCT | 70,300 | 9,504,000 | 4 | 160 |
| CEV | 35,400 | 5,111,000 | 4 | 160 |
| DSPI | 59,300 | 3,676,000 | 3 | 160 |
| ECLOF | 5,400 | 1,836,000 | 4 | 160 |
| FCB | 12,000 | 2,392,000 | 2 | 160 |
| FMB | 2,700 | 710,000 | 2 | 160 |
| GM Bank | 23,500 | 1,553,000 | 3 | 160 |
| HSPFI | 19,100 | 1,899,000 | 2 | 160 |
| JVOFI | 1,300 | 281,000 | 1 | 160 |
| Katipunan Bank | 42,100 | 5,325,000 | 2 | 160 |
| KDCI | 20,500 | 2,095,000 | 3 | 160 |
| KGI | 32,300 | 3,421,000 | 4 | 160 |
| KMBI | 245,000 | 15,098,000 | 1 | 160 |
| LTMPC | 37,400 | 8,935,000 | 3 | 160 |
| Mallig Plains | 6,500 | 641,000 | 2 | 160 |
| MILAMDEC | 29,800 | 3,278,000 | 2 | 160 |
| MWIMPC | 11,800 | 1,740,000 | 4 | 159 |
| NWTF | 105,500 | 12,698,000 | 5 | 160 |
| OFMPC | 4,400 | 964,000 | 1 | 160 |
| PBC | 50,700 | 10,434,000 | 4 | 160 |
| PCSD | 700 | 167,000 | 1 | 160 |
| PMPC | 23,500 | 5,565,000 | 8 | 160 |
| RB Angeles | 900 | 1,502,000 | 2 | 160 |
| RB Labason | 500 | 289,000 | 1 | 160 |
| RBLI | 5,200 | 1,026,000 | 2 | 160 |
| RBMI | 11,900 | 1,750,000 | 2 | 160 |
| RMB | 100 | 173,000 | 1 | 160 |
| RSPI | 39,600 | 2,834,000 | 4 | 160 |
| SAFRAGEMC | 1,100 | 229,000 | 1 | 160 |
| Salve | 10,900 | 1,191,000 | 3 | 160 |
| SEDP | 27,000 | 3,914,000 | 3 | 160 |
| TSKI | 212,900 | 25,187,000 | 2 | 160 |
| TSPI | 264,500 | 31,290,000 | 7 | 160 |
| Valient | 1,700 | 672,000 | 2 | 160 |
| 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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