Number borrowers | 1,408 |
Loan Amount (range) | KHR 200,000 - 1,500,000 |
Loan Term (range) | 1 - 12 |
Other Services (text summary) | |
Annual Interest & Method | 30.0%-42.0% annual, Decl Bal |
Fees | 4,000.00 upfront |
Insurance | None |
Tax | None |
Comp Dep | N/A |
Range of pricing | |
Interest Price Component | 21.7% - 36.0% |
Fee Component | 0.2% - 0.4% |
Insurance Component | 0 |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 30.3% - 36.4% |
Transparency Index (min/max) | 59 - 99 |
Transparency Index (average) | 87 |
2,885 |
USD 80 - 10,000 |
3 - 36 |
Credit Ins |
15.1% annual, Decl Bal |
0.36% upfront |
None |
None |
N/A |
N/A |
15.3% - 15.5% (Int+Fee) |
0.3% - 1.3% |
0 |
15.6% - 16.8% |
87 - 127 |
94 |
Outstanding portfolio (KHR) | KHR 885,978,200 |
Portfolio (USD) | USD 224,298.28 |
Active Clients with Loans | 1,408 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 60% - 80% |
Individual | |
Solidarity group | x |
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 | 7 |
Regions Active | Kampong Cham, Kampong Chhnang, Kampong Speu, Kandal, Sihanoukville, Prey VengSiem Reap |
Outstanding portfolio (USD) | USD 4,508,349 |
Portfolio (USD) | USD 4,508,349 |
Active Clients with Loans | 2,885 |
Approximate % Female Clients | 40% - 60% |
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 | x |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | |
Must own a home or land | |
Must be a salaried worker | x |
Must be specific age group | |
Other | Beneficiario de una jubilación, monte pio o similares. |
Other (2) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Currency | KHR |
Minimum loan size | KHR 200,000 |
Maximum loan size | 1,500,000 |
Loans less than KHR 1,000,000 | 100% |
KHR 1,000,000-3,500,000 | 0 |
KHR 3,500,000-6,000,000 | 0 |
KHR 6,000,000-8,000,000 | 0 |
KHR 8,000,000-10,000,000 | 0 |
Greater than KHR 10,000,000 | 0 |
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 | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 100% |
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 |
Currency | USD |
Minimum loan size | USD 80 |
Maximum loan size | 10,000 |
Shortest loan term | 3.0 months |
Longest loan term | 36.0 months |
Approx average | 17.0 months |
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 | 2.50% |
Highest quoted nominal interest | 3.50% |
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 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 4,000 |
Fixed amount - max | 4,000 |
Reason for variation | N/A |
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 |
Lowest quoted nominal interest | 15.10% |
Highest quoted nominal interest | 15.10% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Seguro de desgravamen (no es ingreso para la institucio) |
% of loan amount - min | 0.36% |
% of loan amount - max | 0.36% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | |
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 1 | Sample 2 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | KHR 200,000 | KHR 500,000 | KHR 1,200,000 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2013-01-25 | 2013-02-27 | 2013-02-28 | ||
Loan Term (Months) | 13.0 months | 12.0 months | 12.0 months | ||
Grace Period (Months) | 0.3 months | 0.1 months | -0.5 months | ||
Total Cost of Credit | KHR 34,800 | KHR 102,000 | KHR 223,100 | ||
True Price by Comp | |||||
Interest price component | 29.9% | 36.0% | 36.0% | ||
Fee Component | 0.4% | 0.4% | 0.4% | ||
Insurance Component | 0.0% | 0.0% | 0.0% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 0.0% | 0.0% | 0.0% | ||
Full APR (int fee ins tax dep) | 30.3% | 36.4% | 36.4% | ||
Transparency Index | 99 | 82 | 82 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | |||||
---|---|---|---|---|---|---|---|---|---|
Loan Amount | USD 400 | USD 1,000 | USD 2,000 | USD 4,182.35 | USD 8,000 | ||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
Disbursement Date | 2010-05-10 | 2010-05-20 | 2010-05-12 | 2010-05-11 | 2010-05-12 | ||||
Loan Term (Months) | 6.0 months | 12.0 months | 18.0 months | 24.0 months | 30.0 months | ||||
Grace Period (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 | ||||
True Price by Comp | |||||||||
Interest and Fee Component | 15.5% | 15.4% | 15.3% | 15.3% | 15.3% | ||||
Insurance Component | 1.3% | 0.7% | 0.5% | 0.4% | 0.3% | ||||
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) | 16.8% | 16.1% | 15.8% | 15.7% | 15.6% | ||||
Transparency Index | 90 | 94 | 96 | 96 | 97 | ||||
Original Repayment Schedule | |||||||||
MFT Pricing Calculation |
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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