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
  2. Vistaar
Please note that the information you are viewing is 168 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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Institution

Vistaar Livelihood Financial services Private Limited No 9,37th Main 3rd Cross. KAS officers layoutBTM 2nd StageBangalore, karnataka560076
Data approved: 2011-01-23
Data version: 1
Age of data: 168 months

Product

Individual Loan - Seasonal (USD) Product 4 of 15 « Prev | Next »

Product

Standard Ticket Loan Product 2 of 2 « Prev | Next »

Product Summary

Number borrowers2,187
Loan Amount (range)USD 200 - 5,000
Loan Term (range)3 - 12
Other Services (text summary)
Annual Interest & Method24.0%-36.0% annual, Decl Bal
Fees0.20-2.90 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)24.3% - 30.6%
Transparency Index (min/max)68 - 99
Transparency Index (average)89

Product Summary

3,661
INR 12,850 - 15,250
18
27.0% annual, Decl Bal
250.00-290.00 upfront
135.00-155.00 upfront
None
N/A
 
N/A
30.2% - 30.3% (Int+Fee)
0.7% - 1.8%
0
31.0% - 32.1%
84 - 88
85

Product Details

Key Statistics
Outstanding portfolio (USD)USD 3,193,174.67
Portfolio (USD)USD 3,193,174.67
Active Clients with Loans2,187
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 (INR)INR 47,176,781.23
Portfolio (USD)USD 890,127.95
Active Clients with Loans3,661
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Given to women in group of 5 with min 4 to max 8 groups per centre. They should be involved in any of the livelihood
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loan
Agriculture
Educationx
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
Men
Womenx
Must run a businessx
Must own a home or landx
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
OtherMin 2 members per group to have own house or shop
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
CurrencyUSD
Minimum loan sizeUSD 200
Maximum loan size5,000
Distribution at Disbursement (Est.)
Loans less than USD 2505%
USD 250-1,00020%
USD 1,000-1,50030%
USD 1,500-2,00020%
USD 2,000-2,50015%
Greater than USD 2,50015%
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 months5%
Between 7 and 9 months5%
Between 10 and 12 months90%
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
CurrencyINR
Minimum loan sizeINR 12,850
Maximum loan size15,250
Loan Term and Grace Period
Shortest loan term18.0 months
Longest loan term18.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months100%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest3.00%
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 - min0.20
Fixed amount - max2.90
Reason for variationCharge 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
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 interest27.00%
Highest quoted nominal interest27.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min250
Fixed amount - max290
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee (Voluntary) including Spouse (including Service Tax)
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min135
Fixed amount - max155
Reason for variationN/A
Appears on Repayment Sched?Yes
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
Additional Comments
The insurance is not a credit shield but a term life insurnace policy offered to both the customer & the spouse. The sum assured is constant throughout the loan period & is taken as the 2K+ the loan amount.

Full Pricing Data

Individual Loan - Seasonal (USD) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 300USD 600USD 1,300USD 1,700USD 2,300USD 3,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2012-11-012013-02-262013-02-082013-02-142013-02-222013-01-23
Loan Term (Months)12.0 months13.0 months12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)11.2 months11.7 months5.8 months6.1 months6.9 months2.8 months
Total Cost of CreditUSD 91.20USD 192.90USD 314.21USD 367.82USD 487.75USD 476.23
True Price by Comp           
Interest price component30.0%30.0%30.1%24.1%24.1%24.1%
Fee Component0.1%0.6%0.3%0.2%0.2%0.2%
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)30.1%30.6%30.4%24.3%24.3%24.3%
Transparency Index807979999999
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Standard Ticket Loan samples
Sample 1Sample 2Sample 3
Loan AmountINR 12,850INR 14,050INR 15,250
Loan Cycle (1, 2, 3, etc)1Not KnownNot Known
Disbursement Date2010-12-042010-12-042010-12-04
Loan Term (Months)16.8 months16.8 months16.8 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component30.3%30.3%30.2%
Insurance Component1.8%0.7%1.7%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)32.1%31.0%31.9%
MFIN MFI Earning (Annualised)30.3%30.3%30.2%
MFIN Cost to Borrower (Annualised)32.1%31.0%31.9%
Transparency Index848785
MFIN Transparency IndexN/AN/AN/A
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
Individual Loan - Seasonal (USD) 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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