Number borrowers | 11,133 |
Loan Amount (range) | USD 200 - 5,000 |
Loan Term (range) | 3 - 24 |
Other Services (text summary) | |
Annual Interest & Method | 21.6%-30.0% annual, Decl Bal |
Fees | 0.20-2.90 upfront |
Insurance | None |
Tax | None |
Comp Dep | N/A |
Range of pricing | |
Interest Price Component | 21.7% - 37.1% |
Fee Component | 0 - 1.6% |
Insurance Component | 0 |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 21.8% - 31.1% |
Transparency Index (min/max) | 68 - 99 |
Transparency Index (average) | 81 |
8,014 |
INR 3,000 - 25,000 |
6 - 15 |
Credit Educ, Group Mtgs, Credit Ins, Other Training |
12.5% annual, Flat |
2.00% upfront |
1.00% upfront |
None |
10.0% upfront 50.00 ongoing |
N/A |
21.5% - 21.6% (Int+Fee) |
1.4% - 1.7% |
0 |
26.6% - 28.7% |
25 - 47 |
45 |
Outstanding portfolio (USD) | USD 12,043,949.70 |
Portfolio (USD) | USD 12,043,949.70 |
Active Clients with Loans | 11,133 |
Approximate % Female Clients | 80% - 100% |
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 | |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services | x |
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 | |
Other | |
Other (2) |
# Regions for this institution | 13 |
# Regions for this product | 13 |
Regions Active | Banteay Meanchey, Battambang, Kampong Cham, Kampong Speu, Kampot, KandalKratié, Oddar Meancheay, Phnom Penh, Prey VengSiem Reap, Svay Rieng, Takéo |
Outstanding portfolio (INR) | INR 73,971,417 |
Portfolio (USD) | USD 1,395,687.11 |
Active Clients with Loans | 8,014 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
Individual | |
Solidarity group | |
Village banking | |
Self help group | x |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | x |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | x |
Other | |
Other (2) | |
No other services |
Men | |
Women | x |
Must run a business | |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Household income <60,000 INR | |
Household income <120,000 INR | |
Must live in rural area | |
Must lives in urban area | |
Other | |
Other (2) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Currency | USD |
Minimum loan size | USD 200 |
Maximum loan size | 5,000 |
Loans less than USD 250 | 5% |
USD 250-1,000 | 30% |
USD 1,000-1,500 | 30% |
USD 1,500-2,000 | 20% |
USD 2,000-2,500 | 10% |
Greater than USD 2,500 | 10% |
Shortest loan term | 3.0 months |
Longest loan term | 24.0 months |
Approx average | 18.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 10% |
Between 10 and 12 months | 30% |
Between 13 and 18 months | 60% |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | x |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Currency | INR |
Minimum loan size | INR 3,000 |
Maximum loan size | 25,000 |
Shortest loan term | 6.0 months |
Longest loan term | 15.0 months |
Approx average | 6.0 months |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | x |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 1.80% |
Highest quoted nominal interest | 2.50% |
Reason(s) why interest rate varies | Branch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose |
Interest rate period | Monthly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Credit Bureau Cambodia - CBC Fee |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 0.20 |
Fixed amount - max | 2.90 |
Reason for variation | Charge 800KHR/0.19USD for loan size <2,000,000 KHR/482USD. Charge 12,000 KHR/2.9USD for > 2,000,000 KHR |
Appears on Repayment Sched? | Yes |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Lowest quoted nominal interest | 12.50% |
Highest quoted nominal interest | 12.50% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Processing Fee |
% of loan amount - min | 2.00% |
% of loan amount - max | 2.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
Ins 1 | |
---|---|
Description | Insurance Fee |
% of loan amount - min | 1.00% |
% of loan amount - max | 1.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
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? | Yes |
% loan amount deposited | 10.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | INR 50 |
Conditions on access to deposit | When Leaving |
Minimum interest rate paid | 6.00% |
Maximum interest rate paid | 6.00% |
Interest payment frequency | Annually |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | ||||||
---|---|---|---|---|---|---|---|---|---|---|---|
Loan Amount | USD 300 | USD 600 | USD 1,300 | USD 1,800 | USD 2,500 | USD 3,000 | |||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
Disbursement Date | 2013-01-14 | 2013-02-21 | 2013-02-18 | 2013-02-13 | 2013-02-26 | 2013-02-07 | |||||
Loan Term (Months) | 12.0 months | 13.0 months | 15.0 months | 24.0 months | 24.0 months | 18.0 months | |||||
Grace Period (Months) | -0.4 months | 0.4 months | -0.3 months | 0.0 months | -0.2 months | 0.0 months | |||||
Total Cost of Credit | USD 47.73 | USD 108.28 | USD 256.18 | USD 459.90 | USD 613.62 | USD 523.80 | |||||
True Price by Comp | |||||||||||
Interest price component | 31.0% | 30.0% | 30.1% | 24.1% | 23.5% | 21.7% | |||||
Fee Component | 0.1% | 0.9% | 0.4% | 0.2% | 0.1% | 0.1% | |||||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Full APR (int fee ins tax dep) | 31.1% | 30.9% | 30.5% | 24.3% | 23.6% | 21.8% | |||||
Transparency Index | 69 | 70 | 71 | 89 | 91 | 99 | |||||
Original Repayment Schedule | |||||||||||
MFT Pricing Calculation |
Sample 1 | Sample 2 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | INR 5,000 | INR 10,000 | INR 20,000 | ||
Loan Cycle (1, 2, 3, etc) | 1 | 1 | 2 | ||
Disbursement Date | 2010-04-15 | 2010-05-15 | 2010-05-15 | ||
Loan Term (Months) | 15.0 months | 15.0 months | 15.0 months | ||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | ||
Total Cost of Credit | Not Known | Not Known | Not Known | ||
True Price by Comp | |||||
Interest and Fee Component | 21.6% | 21.5% | 21.6% | ||
Insurance Component | 1.4% | 1.4% | 1.4% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 5.8% | 4.3% | 3.7% | ||
Full APR (int fee ins tax dep) | 28.7% | 27.3% | 26.6% | ||
MFIN MFI Earning (Annualised) | 21.6% | 21.5% | 21.6% | ||
MFIN Cost to Borrower (Annualised) | 28.7% | 27.3% | 26.6% | ||
Transparency Index | 44 | 46 | 47 | ||
MFIN Transparency Index | N/A | N/A | N/A | ||
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 |
---|---|---|---|---|---|---|---|
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
N (# of Samples) | ||||||
Total Borrrowers of Samples | ||||||
Avg | ||||||
Min | ||||||
Max | ||||||
Std Dev | ||||||
By Inst Type | ||||||
By Country | ||||||
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
From 0 to | ||||||
to | ||||||
to | ||||||
to ∞ |