2. SPN
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Fusion
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Sathapana Limited #831C, Monivong Blvd, Phsa Doem ThkovChamkarmornPhnom PenhPO Box 1423
Data approved: 2013-06-28
Data version: 3
Age of data: 139 months
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Institution

Fusion Microfinance Pvt. Ltd. 303-304, 3rd Floor, Building No.2Community Center, Phase-1, NarainaNew DelhiPO Box 110052
Data approved: 2013-05-03
Data version: 2
Age of data: 139 months
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Product

Balloon & Semi Balloon Loan KHR Product 8 of 12 « Prev | Next »

Product

IGL 16K-30k Product 10 of 10 « Prev | Next »

Product Summary

Number borrowers8,127
Loan Amount (range)KHR 200,000 - 100,000,000
Loan Term (range)1 - 12
Other Services (text summary)
Annual Interest & Method24.0%-42.0% annual, Decl Bal
Fees0.20% upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component21.7% - 36.0%
Fee Component0.2% - 0.4%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)30.3% - 36.2%
Transparency Index (min/max)59 - 99
Transparency Index (average)74

Product Summary

8,667
INR 16,000 - 30,000
24
Credit Educ, Group Mtgs, Credit Ins
26.0%-28.0% annual, Decl Bal
1.00% upfront
1.20% upfront
12.36% fees
N/A
 
28.0% - 28.5%
1.1% - 1.6%
1.3% - 1.8%
0.1% - 0.2%
30.6% - 31.1%
81 - 85
84

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 24,495,968,700
Portfolio (USD)USD 6,201,511.06
Active Clients with Loans8,127
Approximate % Female Clients20% - 40%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Balloon & Semi Balloon Loan is a KHR currency loan to micro loan, small loan and medium loan for agriculture only.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
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 institution22
# Regions for this product18
Regions ActiveBanteay 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

Product Details

Key Statistics
Outstanding portfolio (INR)INR 69,756,172.37
Portfolio (USD)USD 1,316,154.20
Active Clients with Loans8,667
Approximate % Female Clients100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
This product is designed for income generating purpose with a loan size ranging from Rs 16,000 to Rs 30,000.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
Must own a home or landx
Must be a salaried worker
Must be specific age groupx
Household income <60,000 INRx
Household income <120,000 INRx
Must live in rural area
Must lives in urban area
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product4
Regions ActiveMadhya Pradesh, Uttar Pradesh, Uttarakhand, National Capital Territory of Delhi

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 200,000
Maximum loan size100,000,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,0005%
KHR 1,000,000-3,500,00060%
KHR 3,500,000-6,000,00015%
KHR 6,000,000-8,000,0005%
KHR 8,000,000-10,000,0005%
Greater than KHR 10,000,0005%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term12.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months10%
Between 10 and 12 months80%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
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
CurrencyINR
Minimum loan sizeINR 16,000
Maximum loan size30,000
Distribution at Disbursement (Est.)
Loans less than INR 5,0000
INR 5,000-15,0000
INR 15,000-25,000100%
INR 25,000-35,0000
INR 35,000-45,0000
Greater than INR 45,0000
Loan Term and Grace Period
Shortest loan term24.0 months
Longest loan term24.0 months
Approx average24.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months100%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeksx
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 interest2.00%
Highest quoted nominal interest3.50%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionUpfront fee
% of loan amount - min0.20%
% of loan amount - max0.20%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationFee charge are based on loan size.
Appears on Repayment Sched?No
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 interest26.00%
Highest quoted nominal interest28.00%
Reason(s) why interest rate variesInterest rates were revised, hence different rates
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLife Insurance
% of loan amount - min1.20%
% of loan amount - max1.20%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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?Yes
Percentage of fees12.4%
All or some fees taxedAll

Full Pricing Data

Balloon & Semi Balloon Loan KHR samples
Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountKHR 600,000KHR 1,200,000KHR 2,500,000KHR 7,500,000KHR 12,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-01-032013-01-082013-03-152013-03-072013-03-16
Loan Term (Months)12.0 months8.0 months6.0 months12.0 months12.0 months
Grace Period (Months)11.2 months3.0 months5.2 months8.2 months11.2 months
Total Cost of CreditKHR 220,200KHR 184,400KHR 436,600KHR 2,015,300KHR 3,684,000
True Price by Comp         
Interest price component36.0%30.1%33.6%30.1%30.0%
Fee Component0.2%0.4%0.4%0.2%0.3%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)36.2%30.5%34.0%30.3%30.3%
Transparency Index6679717979
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

Full Pricing Data

IGL 16K-30k samples
Sample 1Sample 2Sample 3
Loan AmountINR 20,000INR 25,000INR 30,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-02-282013-02-142013-02-19
Loan Term (Months)25.0 months25.0 months25.0 months
Grace Period (Months)-0.2 months0.0 months-0.1 months
Total Cost of CreditINR 6,768.72INR 8,460.90INR 10,153.08
True Price by Comp     
Interest price component28.5%28.0%28.3%
Fee Component1.1%1.1%1.1%
Insurance Component1.4%1.3%1.3%
Tax Component0.1%0.2%0.1%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)31.1%30.6%30.8%
MFIN MFI Earning (Annualised)29.6%29.1%29.4%
MFIN Cost to Borrower (Annualised)31.1%30.6%30.8%
Transparency Index848584
MFIN Transparency Index9810099
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
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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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