2. SPN
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  2. AJDFI
Please note that the information you are viewing is 160 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: 140 months
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Institution

Ad Jesum Development Foundation, Inc. Clergy House CompoundMadangMati City, Davao Oriental/Region XI8200
Data approved: 2011-11-15
Data version: 1
Age of data: 160 months

Product

Group Loan KHR Product 12 of 12 « Prev | Next »

Product

Educational Loan Product 2 of 6 « Prev | Next »

Product Summary

Number borrowers1,408
Loan Amount (range)KHR 200,000 - 1,500,000
Loan Term (range)1 - 12
Other Services (text summary)
Annual Interest & Method30.0%-42.0% annual, Decl Bal
Fees4,000.00 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% - 36.4%
Transparency Index (min/max)59 - 99
Transparency Index (average)87

Product Summary

221
PHP 3,000 - 5,000
6
Credit Educ, Group Mtgs, Credit Ins, Business Training
0.0% annual, Flat
3.00% upfront
3.00% upfront 20.00 ongoing
None
N/A
 
N/A
12.3% (Int+Fee)
1.3% - 151.3%
0 - 2.8%
125.0%
0 - 81
0

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 885,978,200
Portfolio (USD)USD 224,298.28
Active Clients with Loans1,408
Approximate % Female Clients80% - 100%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Group Loan is a KHR currency loan to all sectors.
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 product7
Regions ActiveKampong Cham, Kampong Chhnang, Kampong Speu, Kandal, Sihanoukville, Prey VengSiem Reap

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 158,393
Portfolio (USD)USD 3,789.31
Active Clients with Loans221
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
For enrollment, tuition fee and any scholl related purposes.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 200,000
Maximum loan size1,500,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,000100%
KHR 1,000,000-3,500,0000
KHR 3,500,000-6,000,0000
KHR 6,000,000-8,000,0000
KHR 8,000,000-10,000,0000
Greater than KHR 10,000,0000
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 months0
Between 7 and 9 months0
Between 10 and 12 months100%
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
CurrencyPHP
Minimum loan sizePHP 3,000
Maximum loan size5,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term6.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
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 interest2.50%
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
% of loan amount - max0
OR, Fixed amount - min4,000
Fixed amount - max4,000
Reason for variationN/A
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 interest0
Highest quoted nominal interest0
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionService Charge
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLife Insurance - Registration
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
Ins 1
DescriptionLife Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min20
Fixed amount - max20
Reason for variationN/A
Appears on Repayment Sched?No
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

Full Pricing Data

Group Loan KHR samples
Sample 1Sample 2Sample 3
Loan AmountKHR 200,000KHR 500,000KHR 1,200,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-01-252013-02-272013-02-28
Loan Term (Months)13.0 months12.0 months12.0 months
Grace Period (Months)0.3 months0.1 months-0.5 months
Total Cost of CreditKHR 34,800KHR 102,000KHR 223,100
True Price by Comp     
Interest price component29.9%36.0%36.0%
Fee Component0.4%0.4%0.4%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)30.3%36.4%36.4%
Transparency Index998282
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Educational Loan samples
Sample 1Sample 2Sample 3
Loan AmountPHP 3,000PHP 3,000PHP 3,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-06-222011-06-222011-06-22
Loan Term (Months)5.8 months5.8 months5.8 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component12.3%12.3%12.3%
Insurance Component112.7%112.7%112.7%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)125.0%125.0%125.0%
Transparency Index000
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Group Loan KHR Price Graphs


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Educational Loan 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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