2. TPC
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

Thaneakea Phum Cambodia Ltd. #94, Street 360, Sangkat Boeng Kengkang IIIKhan ChamkrmonPhnom Penh, Cambodia
Data approved: 2013-03-21
Data version: 3
Age of data: 139 months
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Product

Individual Loan (KHR) Product 1 of 15 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 11,295,244,500
Portfolio (USD)USD 2,859,555.57
Active Clients with Loans5,675
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
The Individual Loan Product (ILP) is for individual entrepreneurs that require bigger loan size for additional working capital or acquisition of fixed assets. Target clients are those that have small or medium size businesses requiring loans.
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 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 institution13
# Regions for this product13
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Speu, Kampot, KandalKratié, Oddar Meancheay, Phnom Penh, Prey VengSiem Reap, Svay Rieng, Takéo

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 800,000
Maximum loan size20,000,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,00010%
KHR 1,000,000-3,500,00050%
KHR 3,500,000-6,000,00030%
KHR 6,000,000-8,000,0005%
KHR 8,000,000-10,000,0005%
Greater than KHR 10,000,0005%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months10%
Between 10 and 12 months50%
Between 13 and 18 months40%
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 interest2.50%
Highest quoted nominal interest3.50%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, 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
DescriptionCredit Bureau Cambodia - CBC Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min800
Fixed amount - max12,000
Reason for variationCharge 800 KHR for loan size <= 2,000,000 KHR or equivalent, and charge 12,000 KHR for loan over 2,000,000 KHR
Appears on Repayment Sched?Yes
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

Full Pricing Data

Individual Loan (KHR) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountKHR 1,200,000KHR 2,500,000KHR 5,000,000KHR 7,000,000KHR 10,000,000KHR 12,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-192013-02-262013-01-162013-01-252013-02-112013-01-17
Loan Term (Months)13.0 months17.0 months18.0 months24.0 months24.0 months24.0 months
Grace Period (Months)0.4 months0.6 months0.0 months-0.1 months-0.3 months0.0 months
Total Cost of CreditKHR 245,500KHR 680,700KHR 1,443,000KHR 2,328,100KHR 3,306,500KHR 3,796,800
True Price by Comp           
Interest price component34.8%34.8%36.0%31.9%31.8%30.1%
Fee Component0.1%0.7%0.4%0.2%0.2%0.1%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)34.9%35.5%36.4%32.1%32.0%30.2%
Transparency Index868483949499
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Individual Loan (KHR) Price Graphs


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  2. COAC FondVida
Please note that the information you are viewing is 170 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

COAC FondVida Flavio Alfaro Oe6 - 150 y Francisco DavilaQuito, Pichincha
Data approved: 2010-11-08
Data version: 1
Age of data: 170 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?No
Website addressN/A
Year established2000
Head of InstitutionSandra Mireya Naula Cuenca
Regions active
# Branches1

Total Portfolio (nat'l)USD 4,200,342
Total Portfolio (USD)USD 4,200,342
Active clients with loans2,511
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsRFR, Contrato Social por la Vivienda
Funders

Loan Products » Summary

Consumo
1,076 Borrowers
USD 2,021,763 Portfolio
Active Product
Solidario
180 Borrowers
USD 111,491 Portfolio
Active Product
Individual
1,209 Borrowers
USD 1,949,015 Portfolio
Active Product
Vivienda
46 Borrowers
USD 118,073 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Crédito de consumo USD 100 - 5,000 3 - 36 60% - 80% 80% - 100% Any Purpose Women, Men, Si el deudor no es propietario de una casa, el garante sí requiere tener una casa., Pueden acceder personas desde los 18 años de edad en adelante. Credit Educ, Credit Ins, Asesoría administración del dinero
Crédito Grupal Solidario USD 500 - 1,500 6 - 15 60% - 80% 80% - 100% Business Women, Men, Los grupos se conforman con personas de la misma zona de residencia, Se utiliza la garantía grupal Credit Educ, Group Mtgs, Credit Ins, Business Training, Capacitación en proyectos de vida y espíritu emprendedor
Crédito Individual para Micro USD 100 - 5,000 3 - 24 60% - 80% 80% - 100% Business, Housing, Other, Como capiltal para iniciar un negocio, Incremento de mercadería Women, Men, Si el deudor no es propietario de una casa, el garante sí requiere tener una casa., Pueden acceder personas desde los 15 años de edad en adelante Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Capacitación en formulación de planes de negocio, Capacitación en proyectos de vida y espíritu emprendedor

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito de consumo 14.0%-16.0% annual, Decl Bal 1 Fee 0 Ins None 5.00 ongoing 16.2% - 16.4% 17.3% - 19.8% 75
Crédito Grupal Solidario 14.0%-18.5% annual, Decl Bal 1 Fee 0 Ins None 5.00 ongoing 18.8% 20.8% - 21.2% 66
Crédito Individual para Micro 14.0%-18.5% annual, Decl Bal 1 Fee 0 Ins None 5.00 ongoing 18.7% - 18.8% 20.2% - 24.3% 65
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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