2. TPC
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  2. EASL
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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: 140 months
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Institution

EB ACCION Savings and Loans Ltd No. 4 Nortei Ababio Street Roman RidgePMB CT 127, CantonmentsAccra, Greater Accra
Data approved: 2013-07-31
Data version: 1
Age of data: 141 months

Product

Individual Loan - Seasonal (KHR) Product 3 of 15 « Prev | Next »

Product

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Product Summary

Number borrowers2,034
Loan Amount (range)KHR 800,000 - 20,000,000
Loan Term (range)3 - 12
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)32.0% - 36.7%
Transparency Index (min/max)68 - 99
Transparency Index (average)87

Product Summary

407
GHS 600 - 3,000
3 - 12
Credit Ins
48.0% annual, Flat
1.50%-2.00% upfront
0.55%-1.00% upfront
None
2.50-10.00 ongoing
 
57.7% - 86.0%
2.2% - 9.1%
0.6% - 4.5%
0 - 0.6%
111.6% - 118.8%
27 - 66
41

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 5,701,358,600
Portfolio (USD)USD 1,443,381.92
Active Clients with Loans2,034
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Allows the borrower to use loan in their animal raising, storage, fishing, farming and/or agri-businesses activities. Payments can be either Balloon or Semi - Balloon
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 product11
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampot, KandalKratié, Oddar Meancheay, Prey VengSiem Reap, Svay Rieng, Takéo

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 148,203.62
Portfolio (USD)USD 75,230.26
Active Clients with Loans407
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Designed for solidarity groups mainly in rural and peri-urban areas. Groups are 5-8 people in size.
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 insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution3
# Regions for this product2
Regions ActiveGreater Accra Region, Eastern Region

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 term12.0 months
Approx average10.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months10%
Between 10 and 12 months80%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace periodDK
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 paymentsx

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 600
Maximum loan size3,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,000100%
GHS 1,000-5,0000
GHS 5,000-7,5000
GHS 7,500-10,0000
GHS 10,000-13,0000
Greater than GHS 13,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months100%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage70%
Average grace period0.3 months
Repayment Frequency
Daily
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 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 interest4.00%
Highest quoted nominal interest4.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min1.50%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationFee increased from 1.5% to 2.0% in March 2013.
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min0.55%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationFee increased from 0.55% to 1.0% in July 2013.
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forSome
CriteriaRequired if physical collateral provided is not sufficient. Ongoing is 2.5 GHS pw for weekly loans, 10 GHS for monthly loans
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited0 - 20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedGHS 2.50 - GHS 10
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid6.00%
Maximum interest rate paid6.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Full Pricing Data

Individual Loan - Seasonal (KHR) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountKHR 1,300,000KHR 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 Date2013-02-202013-02-272013-02-282013-02-282013-01-302013-02-21
Loan Term (Months)12.0 months12.0 months12.0 months13.0 months12.0 months13.0 months
Grace Period (Months)11.0 months4.7 months4.6 months5.6 months7.2 months7.5 months
Total Cost of CreditKHR 452,300KHR 718,000KHR 1,317,000KHR 2,195,700KHR 3,056,700KHR 3,488,000
True Price by Comp           
Interest price component34.8%36.0%36.0%31.8%33.0%33.0%
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%36.7%36.4%32.0%33.2%33.1%
Transparency Index868282949091
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Group samples
Sample 1Sample 2Sample 3
Loan AmountGHS 500GHS 800GHS 1,800
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-06-122013-02-282013-02-28
Loan Term (Months)6.0 months6.0 months6.0 months
Grace Period (Months)0.5 months0.1 months0.1 months
Total Cost of CreditGHS 133.11GHS 198.90GHS 447.60
True Price by Comp     
Interest price component67.6%69.9%69.9%
Fee Component6.5%7.2%7.2%
Insurance Component1.8%2.0%2.0%
Tax Component0.0%0.0%0.0%
Deposit Component35.7%39.7%36.0%
Full APR (int fee ins tax dep)111.6%118.8%115.1%
Transparency Index434042
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Individual Loan - Seasonal (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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