2. Seilanithih
Please note that the information you are viewing is 140 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Seilanithih Limted No. 35, St. 360Sangkat Boeung Keng Kang IKhan Chamkarmorn, Phnom Penh
Data approved: 2013-04-02
Data version: 3
Age of data: 140 months
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Product

Group Loan (THB) Product 5 of 8 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (THB)THB 5,343,555
Portfolio (USD)USD 181,137.46
Active Clients with Loans878
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
It is the group solidarity loan of 2 - 5 member in a group. This product is for rural clients, especailly for agricultural purpose.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
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 groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution7
# Regions for this product2
Regions ActiveBanteay Meanchey, Battambang

Loan Conditions

Loan Amount
CurrencyTHB
Minimum loan sizeTHB 4,000
Maximum loan size24,000
Distribution at Disbursement (Est.)
Loans less than THB 10,00010%
THB 10,000-30,00090%
THB 30,000-50,0000
THB 50,000-70,0000
THB 70,000-90,0000
Greater than THB 90,0000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term12.0 months
Approx average9.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months10%
Between 10 and 12 months90%
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

Pricing Information

Interest
Lowest quoted nominal interest3.00%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesAll branches, loan size, loan term are the same interest rate.
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited3.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid6.00%
Maximum interest rate paid6.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Full Pricing Data

Group Loan (THB) samples
Sample 1Sample 2Sample 3
Loan AmountTHB 4,000THB 8,000THB 20,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2012-11-062013-07-172013-05-31
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)11.4 months-0.2 months0.2 months
Total Cost of CreditTHB 1,484THB 1,402THB 3,730
True Price by Comp     
Interest price component36.0%33.1%32.9%
Fee Component0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component1.1%1.8%1.9%
Full APR (int fee ins tax dep)37.1%34.9%34.8%
Transparency Index97100100
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Group Loan (THB) Price Graphs


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  2. OISL
Please note that the information you are viewing is 141 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Opportunity International Savings & Loans Ltd. No. D765/3 Kwame Nkrumah AvenueAccra, Greater AccraPO Box JT 323
Data approved: 2013-03-12
Data version: 2
Age of data: 141 months
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.opportunityghana.com/
Year established2004
Head of InstitutionKwame Owusu-Boateng
Regions activeGreater Accra Region, Central Region, Western Region, Eastern Region, Ashanti Region, Brong Ahafo Region
# Branches29

Total Portfolio (nat'l)GHS 56,590,868
Total Portfolio (USD)USD 28,726,328.93
Active clients with loans62,525
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsOpportunity International USA
FundersOpportunity Microfinance Investment Ltd, Opportunity Transformation Investment, Sinapi Aba Trust, Oikocredit

Loan Products » Summary

Agriculture
7,428 Borrowers
USD 1,242,790.36 Portfolio
Active Product
Church
53 Borrowers
USD 241,847.21 Portfolio
Active Product
Family
273 Borrowers
USD 144,458.88 Portfolio
Active Product
Group
39,801 Borrowers
USD 11,025,252.79 Portfolio
Active Product
Individual
3,257 Borrowers
USD 2,895,500.51 Portfolio
Active Product
ISME
595 Borrowers
USD 4,731,220.81 Portfolio
Active Product
Susu
1,443 Borrowers
USD 913,463.45 Portfolio
Active Product
Adehye
8,946 Borrowers
USD 5,867,048.22 Portfolio
Active Product
Education
245 Borrowers
USD 171,009.14 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan GHS 130 - 10,000 6 - 9 60% - 80% 0% - 20% Business, Farming Women, Men, Specific age group, Farmers Credit Educ, Credit Ins
Church Loan GHS 5,000 - 100,000 3 - 37 0% 60% - 80% Financing church building Women, Men, Fully registered functioning church Credit Educ
Salary Loan GHS 270 - 15,000 6 - 24 20% - 40% 100% Any Purpose Women, Men, Have business, Salaried worker Credit Educ, Credit Ins
Group Loan GHS 100 - 8,000 3 - 12 60% - 80% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Individual Loan GHS 200 - 12,000 2 - 24 40% - 60% 20% - 40% Business Women, Men, Have business Credit Educ, Credit Ins
ISME / Edufinance GHS 10,000 - 100,000 10 - 37 0% - 20% 80% - 100% Business, Education Women, Men, Have business, Fully registered and licensed school Tech Asst Visits, Business Training
Susu Loan GHS 100 - 10,000 3 - 12 40% - 60% 40% - 60% Business Women, Men Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Adehye Loan GHS 280 - 8,000 3 - 8 60% - 80% 40% - 60% Business Women, Men, Have business, Must be a good group loan client. Credit Educ, Group Mtgs
Eduloan GHS 500 - 3,000 24 60% - 80% 80% - 100% Education Women, Men Credit Educ

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 36.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 40.8% - 65.4% 47% - 78.8% 61
Church Loan 39.0% annual, Decl Bal 2 Fees 1 Ins None 15.0% upfront 42.1% - 45.3% 55.6% - 61.3% 66
Salary Loan 24.0% annual, Flat 2 Fees 1 Ins None N/A 43.4% - 48.5% 44.6% - 50.6% 51
Group Loan 41.0% annual, Flat 2 Fees 1 Ins None 15.0% upfront 77.5% - 90.7% 103% - 123.9% 36
Individual Loan 42.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 67.6% - 79% 78.4% - 95.7% 47
ISME / Edufinance 39.0% annual, Decl Bal 2 Fees 1 Ins None 43% - 46.3% 44.4% - 48% 84
Susu Loan 39.0% annual, Flat 2 Fees 1 Ins None N/A 68.4% - 74.6% 69.8% - 77.3% 53
Adehye Loan 38.0% annual, Flat 1 Fee 1 Ins None 15.0%-20.0% upfront 67.1% - 81.6% 96.6% - 124.1% 35
Eduloan 24.0%-37.0% annual, Decl Bal 1 Fee 1 Ins None N/A 41.6% - 74.1% 42.5% - 78% 37
Institution Price Graph
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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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