2. SPN
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  2. BIMAS
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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

Business Initiative and Management Assistance Services P.O. Box 2299 60100Embu, Central
Data approved: 2013-07-16
Data version: 2
Age of data: 141 months
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Product

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

Product

Mifugo Loan Product 4 of 8 « 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

176
KES 50,000 - 100,000
9 - 12
Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
22.0% annual, Flat
2.00% upfront
2.50% upfront
None
25.0% upfront 100.00 ongoing
 
13.7% - 40.7%
0 - 10.7%
0 - 9.3%
0
86.3% - 96.4%
14 - 61
24

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 (KES)KES 6,247,245
Portfolio (USD)USD 75,449.82
Active Clients with Loans176
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
This is an agribusiness loan primarily for dairy farmers.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other trainingx
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 institution4
# Regions for this product4
Regions ActiveCentral, Eastern, Nairobi, Rift Valley

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
CurrencyKES
Minimum loan sizeKES 50,000
Maximum loan size100,000
Distribution at Disbursement (Est.)
Loans less than KES 50,00020%
KES 50,000-150,00080%
KES 150,000-250,0000
KES 250,000-350,0000
KES 350,000-450,0000
Greater than KES 450,0000
Loan Term and Grace Period
Shortest loan term9.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months50%
Between 10 and 12 months50%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage10%
Average grace period0.3 months
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthlyx
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 interest22.00%
Highest quoted nominal interest22.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionApplication Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min2.50%
% of loan amount - max2.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited25.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedKES 100
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0.33%
Maximum interest rate paid0.50%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

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

Mifugo Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountKES 50,000KES 50,000KES 80,000KES 80,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-04-232013-01-312013-06-272013-06-17
Loan Term (Months)10.0 months6.0 months12.0 months12.0 months
Grace Period (Months)0.5 months0.5 months0.5 months0.5 months
Total Cost of CreditKES 11,050KES 7,750KES 21,200KES 21,200
True Price by Comp       
Interest price component38.4%36.7%38.8%38.8%
Fee Component4.9%7.3%4.1%4.1%
Insurance Component6.4%9.3%5.2%5.2%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component42.3%43.1%38.2%38.2%
Full APR (int fee ins tax dep)92.0%96.4%86.3%86.3%
Transparency Index24232525
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Balloon & Semi Balloon 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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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