2. TPC
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
  2. 1st Valley Bank
Please note that the information you are viewing is 160 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: 141 months
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Institution

1st Valley Bank, Inc. A Rural Bank Vamenta Blvd. corner Lirio St.CarmenCagayan de Oro City, Misamis Oriental8000
Data approved: 2011-11-23
Data version: 1
Age of data: 160 months

Product

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

Product

Microfinance Loan Product 3 of 3 « Prev | Next »

Product Summary

Number borrowers5,675
Loan Amount (range)KHR 800,000 - 20,000,000
Loan Term (range)3 - 24
Other Services (text summary)
Annual Interest & Method30.0%-42.0% annual, Decl Bal
Fees800.00-12,000.00 upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component21.7% - 37.1%
Fee Component0 - 1.6%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)30.2% - 36.4%
Transparency Index (min/max)68 - 99
Transparency Index (average)90

Product Summary

4,702
PHP 3,000 - 150,000
0.9 - 12
Credit Ins, Tech Asst Visits
30.0% annual, Flat
3.00%-4.00% upfront 30.00-50.00 upfront
1.00% upfront
None
5.0% upfront 10.00 ongoing
 
N/A
68.6% - 96.4% (Int+Fee)
0 - 11.4%
0
80.2% - 120.9%
25 - 46
32

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

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 47,613,749
Portfolio (USD)USD 1,139,084.90
Active Clients with Loans4,702
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help groupx
Other
Description
This is an affordable credit program for micro-entrepreneurs to provide short term additional capital and to help them expand their present business activities & facilitate acquisition of fixed assets; farm expenses and house repairs.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visitsx
Business training
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 groupx
Other18-65 years old
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
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

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 3,000
Maximum loan size150,000
Loan Term and Grace Period
Shortest loan term0.9 months
Longest loan term12.0 months
Approx average4.9 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeksx
Monthly
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

Pricing Information

Interest
Lowest quoted nominal interest2.50%
Highest quoted nominal interest2.50%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionService ChargeNotarial Fee
% of loan amount - min3.00%0
% of loan amount - max4.00%0
OR, Fixed amount - min030
Fixed amount - max050
Reason for variationif term is 1-3months: 3%; if term is 4-6 months: 4%P30 for loans <P10,000; P50 for loans P10,000-P150,000
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance
% of loan amount - min1.00%
% of loan amount - max1.00%
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 deposited5.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 10
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid1.50%
Maximum interest rate paid1.50%
Interest payment frequencyQuarterly
Taxes
Are taxes charged on this product?No
Additional Comments
Interest payment frequency is quarterly. Savings component is added to client's weekly amortization of principal & interest

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

Full Pricing Data

Microfinance Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountPHP 3,500PHP 8,000PHP 15,000PHP 30,000PHP 60,000PHP 90,000
Loan Cycle (1, 2, 3, etc)Not Known22Not KnownNot KnownNot Known
Disbursement Date2011-07-042011-06-282011-06-282011-07-012011-06-242011-06-20
Loan Term (Months)2.1 months3.0 months3.0 months3.0 months6.1 months6.1 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 Component96.4%78.9%78.9%78.9%68.6%68.6%
Insurance Component11.4%8.1%8.1%8.1%4.3%4.3%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component13.0%9.9%9.2%8.9%7.3%7.2%
Full APR (int fee ins tax dep)120.9%96.9%96.2%95.9%80.3%80.2%
Transparency Index253131313737
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Individual Loan (KHR) Price Graphs


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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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