Number borrowers | 2,034 |
Loan Amount (range) | KHR 800,000 - 20,000,000 |
Loan Term (range) | 3 - 12 |
Other Services (text summary) | |
Annual Interest & Method | 30.0%-42.0% annual, Decl Bal |
Fees | 800.00-12,000.00 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) | 32.0% - 36.7% |
Transparency Index (min/max) | 68 - 99 |
Transparency Index (average) | 87 |
1,142 |
KES 5,000 - 100,000 |
12 |
Credit Educ, Group Mtgs, Credit Ins, Business Training |
22.0% annual, Flat |
1.00% upfront |
1.00% upfront |
None |
30.0%-50.0% upfront |
34.1% - 40.5% |
1.0% - 3.5% |
1.1% - 3.6% |
0 |
89.2% |
25 - 38 |
25 |
Outstanding portfolio (KHR) | KHR 5,701,358,600 |
Portfolio (USD) | USD 1,443,381.92 |
Active Clients with Loans | 2,034 |
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 | 11 |
Regions Active | Banteay Meanchey, Battambang, Kampong Cham, Kampot, KandalKratié, Oddar Meancheay, Prey VengSiem Reap, Svay Rieng, Takéo |
Outstanding portfolio (KES) | KES 43,259,200 |
Portfolio (USD) | USD 522,454.11 |
Active Clients with Loans | 1,142 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 40% - 60% |
Individual | |
Solidarity group | x |
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 | x |
Group meetings | x |
Credit insurance | x |
Workplace visits | |
Business training | x |
Other training | |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 7 |
# Regions for this product | 7 |
Regions Active | Central, Coast, Eastern, Nairobi, Nyanza, Rift Valley, Western |
Currency | KHR |
Minimum loan size | KHR 800,000 |
Maximum loan size | 20,000,000 |
Loans less than KHR 1,000,000 | 10% |
KHR 1,000,000-3,500,000 | 50% |
KHR 3,500,000-6,000,000 | 30% |
KHR 6,000,000-8,000,000 | 5% |
KHR 8,000,000-10,000,000 | 5% |
Greater than KHR 10,000,000 | 5% |
Shortest loan term | 3.0 months |
Longest loan term | 12.0 months |
Approx average | 10.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 10% |
Between 7 and 9 months | 10% |
Between 10 and 12 months | 80% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 100% |
Average grace period | DK |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments | x |
Currency | KES |
Minimum loan size | KES 5,000 |
Maximum loan size | 100,000 |
Loans less than KES 50,000 | 10% |
KES 50,000-150,000 | 90% |
KES 150,000-250,000 | 0 |
KES 250,000-350,000 | 0 |
KES 350,000-450,000 | 0 |
Greater than KES 450,000 | 0 |
Shortest loan term | 12.0 months |
Longest loan term | 12.0 months |
Approx average | 12.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 100% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | x |
Every 2 weeks | |
Every 4 weeks | |
Monthly | |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 2.50% |
Highest quoted nominal interest | 3.50% |
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 | 800 |
Fixed amount - max | 12,000 |
Reason for variation | Charge 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 |
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 | 22.00% |
Highest quoted nominal interest | 22.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Chattels 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 |
Ins 1 | |
---|---|
Description | Credit/Life 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 | Upfront compulsory deposit rule: 1st cycle loans = 50% requirement. Multiple cycle loans = 30% requirement. |
Is deposit indicated on the repayment schedule? | Yes |
Do borrowers control deposit in their group? | Yes |
% loan amount deposited | 30.00% - 50.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | End Term |
Minimum interest rate paid | 0 |
Maximum interest rate paid | 0 |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | ||||||
---|---|---|---|---|---|---|---|---|---|---|---|
Loan Amount | KHR 1,300,000 | KHR 2,500,000 | KHR 5,000,000 | KHR 7,000,000 | KHR 10,000,000 | KHR 12,000,000 | |||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
Disbursement Date | 2013-02-20 | 2013-02-27 | 2013-02-28 | 2013-02-28 | 2013-01-30 | 2013-02-21 | |||||
Loan Term (Months) | 12.0 months | 12.0 months | 12.0 months | 13.0 months | 12.0 months | 13.0 months | |||||
Grace Period (Months) | 11.0 months | 4.7 months | 4.6 months | 5.6 months | 7.2 months | 7.5 months | |||||
Total Cost of Credit | KHR 452,300 | KHR 718,000 | KHR 1,317,000 | KHR 2,195,700 | KHR 3,056,700 | KHR 3,488,000 | |||||
True Price by Comp | |||||||||||
Interest price component | 34.8% | 36.0% | 36.0% | 31.8% | 33.0% | 33.0% | |||||
Fee Component | 0.1% | 0.7% | 0.4% | 0.2% | 0.2% | 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) | 34.9% | 36.7% | 36.4% | 32.0% | 33.2% | 33.1% | |||||
Transparency Index | 86 | 82 | 82 | 94 | 90 | 91 | |||||
Original Repayment Schedule | |||||||||||
MFT Pricing Calculation |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
---|---|---|---|---|---|---|---|
Loan Amount | KES 13,500 | KES 23,000 | KES 47,000 | KES 98,000 | |||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
Disbursement Date | 2013-05-06 | 2013-06-18 | 2013-04-30 | 2013-05-29 | |||
Loan Term (Months) | 12.0 months | 12.0 months | 12.0 months | 12.0 months | |||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | |||
Total Cost of Credit | KES 3,125.80 | KES 5,325.40 | KES 10,882.35 | KES 22,690.80 | |||
True Price by Comp | |||||||
Interest price component | 40.5% | 40.5% | 40.5% | 40.5% | |||
Fee Component | 2.3% | 2.2% | 2.2% | 2.2% | |||
Insurance Component | 2.2% | 2.3% | 2.3% | 2.3% | |||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Deposit Component | 44.2% | 44.2% | 44.2% | 44.2% | |||
Full APR (int fee ins tax dep) | 89.2% | 89.2% | 89.2% | 89.2% | |||
Transparency Index | 25 | 25 | 25 | 25 | |||
Original Repayment Schedule | |||||||
MFT Pricing Calculation |
Key Statistics | |
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# 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 |
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