| Number borrowers | 3,102 |
| Loan Amount (range) | THB 4,000 - 200,000 |
| Loan Term (range) | 1 - 12 |
| Other Services (text summary) | Credit Ins |
| Annual Interest & Method | 27.0%-36.0% annual, Decl Bal |
| Fees | None |
| Insurance | None |
| Tax | None |
| Comp Dep | 3.0% upfront |
| Range of pricing | |
| Interest Price Component | 27.1% - 36.0% |
| Fee Component | 0 |
| Insurance Component | 0 |
| Tax Component Range | 0 |
| Full APR (int fee ins tax dep) | 28.7% - 37.1% |
| Transparency Index (min/max) | 81 - 105 |
| Transparency Index (average) | 88 |
| 36,402 |
| PHP 1,000 - 50,000 |
| 3 - 6 |
| Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Livelihood, Leadership Training |
| 30.0% annual, Flat |
| 5.00% ongoing |
| 1.50% upfront 20.00 ongoing |
| None |
| 100.00 upfront 45.00 ongoing |
| N/A |
| 78.9% - 97.7% (Int+Fee) |
| 5.1% - 72.3% |
| 0 - 1.2% |
| 92.2% - 179.2% |
| 17 - 38 |
| 24 |
| Outstanding portfolio (THB) | THB 78,201,353 |
| Portfolio (USD) | USD 2,650,893.32 |
| Active Clients with Loans | 3,102 |
| Approximate % Female Clients | 60% - 80% |
| Approximate % Urban Clients | 0% - 20% |
| 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 | |
| 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 | x |
| Must own a home or land | x |
| Must be a salaried worker | |
| Must be specific age group | x |
| Other | |
| Other (2) |
| # Regions for this institution | 7 |
| # Regions for this product | 2 |
| Regions Active | Banteay Meanchey, Battambang |
| Outstanding portfolio (PHP) | PHP 147,532,358 |
| Portfolio (USD) | USD 3,529,482.25 |
| Active Clients with Loans | 36,402 |
| Approximate % Female Clients | 80% - 100% |
| Approximate % Urban Clients | 40% - 60% |
| Individual | |
| Solidarity group | x |
| Village banking | |
| Self help group | |
| Other | ASA Approach |
| 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 | |
| Business training | x |
| Other training | x |
| Other | Livelihood, Leadership Training |
| Other (2) | |
| No other services |
| Men | |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | x |
| Other | 18-65 years old |
| Other (2) |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Currency | THB |
| Minimum loan size | THB 4,000 |
| Maximum loan size | 200,000 |
| Loans less than THB 10,000 | 5% |
| THB 10,000-30,000 | 20% |
| THB 30,000-50,000 | 30% |
| THB 50,000-70,000 | 30% |
| THB 70,000-90,000 | 10% |
| Greater than THB 90,000 | 10% |
| Shortest loan term | 1.0 month |
| Longest loan term | 12.0 months |
| Approx average | 11.0 months |
| Loans 3 months or less | 10% |
| Between 4 and 6 months | 10% |
| Between 7 and 9 months | 10% |
| Between 10 and 12 months | 70% |
| 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 1,000 |
| Maximum loan size | 50,000 |
| Shortest loan term | 3.0 months |
| Longest loan term | 6.0 months |
| Approx average | 0 |
| 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 | 2.25% |
| Highest quoted nominal interest | 3.00% |
| Reason(s) why interest rate varies | Loan Size |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | No |
| Do borrowers control deposit in their group? | No |
| % loan amount deposited | 3.00% |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | 0 |
| Conditions on access to deposit | Final Pmt |
| Minimum interest rate paid | 6.00% |
| Maximum interest rate paid | 6.00% |
| Interest payment frequency | Monthly |
| 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 |
| Fee 1 | |
|---|---|
| Description | Service Charge |
| % of loan amount - min | 5.00% |
| % of loan amount - max | 5.00% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | No |
| Ins 1 | |
|---|---|
| Description | Loan Redemption Plan |
| % of loan amount - min | 1.50% |
| % of loan amount - max | 1.50% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | No |
| Ins 1 | |
|---|---|
| Description | MBA (Life insurance) |
| % of loan amount - min | 0 |
| % of loan amount - max | 0 |
| OR, Fixed amount - min | 20 |
| Fixed amount - max | 20 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | No |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | Yes |
| Do borrowers control deposit in their group? |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | PHP 100 |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | PHP 45 |
| Conditions on access to deposit | Access During |
| Minimum interest rate paid | 3.00% |
| Maximum interest rate paid | 3.00% |
| Interest payment frequency | Quarterly |
| Are taxes charged on this product? | No |
| Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | |||||
|---|---|---|---|---|---|---|---|---|---|
| Loan Amount | THB 10,000 | THB 20,000 | THB 41,000 | THB 55,000 | THB 100,000 | ||||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
| Disbursement Date | 2013-04-03 | 2013-02-19 | 2012-01-04 | 2013-04-12 | 2013-02-05 | ||||
| Loan Term (Months) | 12.0 months | 12.0 months | 18.0 months | 18.0 months | 24.0 months | ||||
| Grace Period (Months) | 11.3 months | 10.9 months | 0.1 months | -0.2 months | -0.1 months | ||||
| Total Cost of Credit | THB 3,690 | THB 7,120 | THB 9,921 | THB 13,053 | THB 28,365 | ||||
| True Price by Comp | |||||||||
| Interest price component | 36.0% | 36.0% | 30.0% | 30.1% | 27.1% | ||||
| Fee Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
| Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
| Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
| Deposit Component | 1.1% | 1.1% | 1.8% | 1.7% | 1.6% | ||||
| Full APR (int fee ins tax dep) | 37.1% | 37.1% | 31.8% | 31.8% | 28.7% | ||||
| Transparency Index | 81 | 81 | 94 | 94 | 94 | ||||
| Original Repayment Schedule | |||||||||
| MFT Pricing Calculation |
| Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
|---|---|---|---|---|---|---|---|
| Loan Amount | PHP 3,000 | PHP 8,000 | PHP 15,000 | PHP 30,000 | |||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
| Disbursement Date | 2011-06-08 | 2011-06-08 | 2011-06-08 | 2011-06-08 | |||
| Loan Term (Months) | 2.8 months | 3.7 months | 4.7 months | 5.6 months | |||
| Grace Period (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 | |||
| True Price by Comp | |||||||
| Interest and Fee Component | 97.0% | 88.3% | 97.7% | 78.9% | |||
| Insurance Component | 72.3% | 32.5% | 20.0% | 12.8% | |||
| Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
| Deposit Component | 9.9% | 2.6% | 1.3% | 0.5% | |||
| Full APR (int fee ins tax dep) | 179.2% | 123.4% | 119.1% | 92.2% | |||
| Transparency Index | 17 | 24 | 25 | 33 | |||
| 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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