| 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 |
| 1,361 |
| PHP 2,000 - 150,000 |
| 4.7 - 12 |
| Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Market linkages |
| 30.0% annual, Flat |
| None |
| 1.00% upfront |
| None |
| 20.0% upfront 50.00 ongoing |
| N/A |
| 50.9% - 64.2% (Int+Fee) |
| 4.4% - 5.6% |
| 0 |
| 99.4% - 136.3% |
| 22 - 30 |
| 28 |
| 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 (PHP) | PHP 11,778,115 |
| Portfolio (USD) | USD 281,773.09 |
| Active Clients with Loans | 1,361 |
| Approximate % Female Clients | 80% - 100% |
| Approximate % Urban Clients | 60% - 80% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | x |
| Group meetings | x |
| Credit insurance | x |
| Workplace visits | x |
| Business training | x |
| Other training | |
| Other | Market linkages |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | Must have max net income of 10,000 per family f 5 |
| 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 | PHP |
| Minimum loan size | PHP 2,000 |
| Maximum loan size | 150,000 |
| Shortest loan term | 4.7 months |
| Longest loan term | 12.0 months |
| Approx average | 4.7 months |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | x |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | |
| 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 | 2.50% |
| Highest quoted nominal interest | 2.50% |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Flat |
| Subsidized by funder request? | |
| Is rate fixed for entire loan term | Yes |
| Ins 1 | |
|---|---|
| Description | Credit Insurance |
| % of loan amount - min | 1.00% |
| % of loan amount - max | 1.00% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | No |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | |
| Do borrowers control deposit in their group? |
| % loan amount deposited | 20.00% |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | PHP 50 |
| Conditions on access to deposit | Access During |
| Minimum interest rate paid | 7.00% |
| Maximum interest rate paid | 7.00% |
| Interest payment frequency | Annually |
| 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 | Sample 6 | ||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| Loan Amount | PHP 3,000 | PHP 7,000 | PHP 15,000 | PHP 30,000 | PHP 50,000 | PHP 75,000 | |||||
| Loan Cycle (1, 2, 3, etc) | 7 | 5 | 5 | 12 | 10 | 23 | |||||
| Disbursement Date | 2011-04-08 | 2010-10-08 | 2011-03-31 | 2010-12-16 | 2010-12-16 | 2011-01-21 | |||||
| Loan Term (Months) | 4.7 months | 4.7 months | 4.7 months | 4.7 months | 4.7 months | 4.7 months | |||||
| Grace Period (Months) | 0.0 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 | Not Known | |||||
| True Price by Comp | |||||||||||
| Interest and Fee Component | 61.2% | 64.2% | 61.0% | 50.9% | 51.4% | 62.3% | |||||
| Insurance Component | 5.4% | 5.6% | 5.4% | 4.4% | 4.5% | 5.5% | |||||
| Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
| Deposit Component | 32.8% | 36.2% | 33.0% | 46.1% | 47.5% | 68.5% | |||||
| Full APR (int fee ins tax dep) | 99.4% | 106.0% | 99.4% | 101.4% | 103.4% | 136.3% | |||||
| Transparency Index | 30 | 28 | 30 | 30 | 29 | 22 | |||||
| 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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