2. Seilanithih
Please note that the information you are viewing is 139 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: 139 months
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.seilanithih.com.kh/
Year established1996
Head of InstitutionMr. Sanjay Gandhi
Regions activeBanteay Meanchey, Battambang, Kampong Cham, Kandal, Phnom Penh, PursatSiem Reap
# Branches25

Total Portfolio (nat'l)KHR 26,884,090,059
Total Portfolio (USD)USD 6,806,098.75
Active clients with loans11,502
Approximate % female clients60% - 80%
Approximate % urban clients0
Network affiliationsCMA
FundersCMI, CARD

Loan Products » Summary

Group KHR
2,830 Borrowers
USD 483,614.61 Portfolio
Active Product
Group THB
878 Borrowers
USD 181,137.46 Portfolio
Active Product
Indiv THB
3,102 Borrowers
USD 2,650,893.32 Portfolio
Active Product
Indiv KHR
7,352 Borrowers
USD 3,194,055.87 Portfolio
Active Product
Indiv USD
1,048 Borrowers
USD 1,007,057 Portfolio
Active Product
Consumption Loan (Baht)
Retired Product
Consumption Loan (Riel)
Retired Product
Consumption Loan (USD)
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Group Loan (KHR) KHR 400,000 - 2,400,000 1 - 24 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land Credit Ins
Group Loan (THB) THB 4,000 - 24,000 1 - 12 60% - 80% 0% - 20% Business Women, Men, Have business, Have home or land, Specific age group Credit Ins
Individual Loan (THB) THB 4,000 - 200,000 1 - 12 60% - 80% 0% - 20% Business Women, Men, Have business, Have home or land, Specific age group Credit Ins
Individual Loan (KHR) KHR 400,000 - 20,000,000 1 - 12 60% - 80% 0% - 20% Business Women, Men, Have business, Have home or land, Specific age group
Individual Loan (USD) USD 100 - 10,000 1 - 24 40% - 60% 20% - 40% Business Women, Men, Have business, Have home or land, Specific age group

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loan (KHR) 36.0% annual, Decl Bal 0 Fees 0 Ins None 3.0% upfront 36% 37.1% 97
Group Loan (THB) 36.0% annual, Decl Bal 0 Fees 0 Ins None 3.0% upfront 32.9% - 36% 34.8% - 37.1% 100
Individual Loan (THB) 27.0%-36.0% annual, Decl Bal 0 Fees 0 Ins None 3.0% upfront 27.1% - 36% 28.7% - 37.1% 88
Individual Loan (KHR) 30.0%-36.0% annual, Decl Bal 0 Fees 0 Ins None 3.0% upfront 30% - 36% 31% - 37.1% 85
Individual Loan (USD) 27.0%-36.0% annual, Decl Bal 0 Fees 0 Ins None 3.0% upfront 27.1% - 33.4% 28.6% - 35.2% 95
Institution Price Graph
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  2. OFMPC
Please note that the information you are viewing is 158 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Omaganhan Farmers Agrarian Reform Cooperative OmaganhanTabango, Leyte6536
Data approved: 2011-11-28
Data version: 1
Age of data: 158 months

Product

SUMMED (Scaling Up Micro-Finance Management and Entrepreneurial Development) Product 1 of 1 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 40,300,000
Portfolio (USD)USD 964,114.83
Active Clients with Loans4,480
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Short term loans extended to members with small businesses
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visitsx
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
CurrencyPHP
Minimum loan sizePHP 1,000
Maximum loan size150,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term12.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0.3 months
Repayment Frequency
Dailyx
Weeklyx
Every 2 weeksx
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 interest4.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionService ChargeFiling Fee
% of loan amount - min3.00%0
% of loan amount - max3.00%0
OR, Fixed amount - min010
Fixed amount - max020
Reason for variationN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Insurance
% of loan amount - min0.13%
% of loan amount - max1.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited4.00%
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid2.75%
Maximum interest rate paid2.75%
Interest payment frequencyQuarterly
Taxes
Are taxes charged on this product?No
Additional Comments
Quarterly payment of interest. The Coop collects both savings and CBU. CBU is non-withdrawable and will be used for dividends at the end of the year. Annually, the Coop also collects P2 as miscellaneous fee to cover office supplies and other administrative expenses

Full Pricing Data

SUMMED (Scaling Up Micro-Finance Management and Entrepreneurial Development) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountPHP 3,000PHP 8,000PHP 15,000PHP 30,000PHP 60,000PHP 90,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2009-08-042011-09-162011-07-222011-04-282011-06-092009-02-05
Loan Term (Months)6.1 months6.1 months6.0 months6.0 months7.9 months8.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component100.9%98.3%82.3%88.6%97.1%83.3%
Insurance Component5.0%4.8%4.1%4.4%4.8%4.2%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component15.5%15.7%1.9%4.8%3.7%2.3%
Full APR (int fee ins tax dep)121.4%118.8%88.4%97.8%105.6%89.7%
Transparency Index303041373440
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
SUMMED (Scaling Up Micro-Finance Management and Entrepreneurial Development) Price Graphs


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