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. Jaago
Please note that the information you are viewing is 171 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

Jaago Samajik Arthik Harit Vikas Sangathan 305, Chandralok Tower,Kapoorthala,Lucknow, Uttar Pradesh226024
Data approved: 2010-12-10
Data version: 1
Age of data: 171 months

Product

Individual Loan (THB) Product 5 of 15 « Prev | Next »

Product

IGL Product 1 of 1 « Prev | Next »

Product Summary

Number borrowers755
Loan Amount (range)THB 8,000 - 200,000
Loan Term (range)3 - 24
Other Services (text summary)
Annual Interest & Method30.0%-42.0% annual, Decl Bal
Fees5.97-92.00 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% - 34.6%
Transparency Index (min/max)68 - 99
Transparency Index (average)93

Product Summary

2,716
INR 5,000 - 20,000
8 - 15
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Other Training, Signature, Financial Discipline
24.0% annual, Decl Bal
2.50%-3.00% upfront
100.00 upfront
None
N/A
 
N/A
28.9% - 30.6% (Int+Fee)
1.2% - 2.7%
0
30.1% - 33.3%
72 - 80
76

Product Details

Key Statistics
Outstanding portfolio (THB)THB 23,366,209
Portfolio (USD)USD 792,074.88
Active Clients with Loans755
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 product2
Regions ActiveBanteay Meanchey, Battambang

Product Details

Key Statistics
Outstanding portfolio (INR)INR 12,599,383
Portfolio (USD)USD 237,724.21
Active Clients with Loans2,716
Approximate % Female Clients80% - 100%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Loan Amount: Rs. 8000, Interest Rate: 24% Reducing, LPF: 2.5% to 3% Insurance (of member and her Husband of Rs. 10,000 Flat irrespective of Loan Amount), Installment Mode: Fortnightly, Advance Collection.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business training
Other trainingx
OtherSignature
Other (2)Financial Discipline
No other services
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
Other
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
CurrencyTHB
Minimum loan sizeTHB 8,000
Maximum loan size200,000
Distribution at Disbursement (Est.)
Loans less than THB 10,0005%
THB 10,000-30,00040%
THB 30,000-50,00020%
THB 50,000-70,00020%
THB 70,000-90,0005%
Greater than THB 90,0005%
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 months0
Between 10 and 12 months30%
Between 13 and 18 months50%
Longer than 18 months20%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeksx
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 5,000
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term8.0 months
Longest loan term15.0 months
Approx average12.0 months
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 interest2.50%
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 - min5.97
Fixed amount - max92
Reason for variationCharge 800 KHR/5.97 THB for loan size <= 2,000,000 KHR or equivalent, and charge 12,000 KHR/92.30 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 interest24.00%
Highest quoted nominal interest24.00%
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 - min2.50%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min100
Fixed amount - max100
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

Full Pricing Data

Individual Loan (THB) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountTHB 11,000THB 20,000THB 40,000THB 65,000THB 80,000THB 100,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-222013-01-232013-02-152013-02-132013-02-152013-02-11
Loan Term (Months)13.0 months12.0 months19.0 months13.0 months25.0 months18.0 months
Grace Period (Months)0.4 months0.0 months0.6 months0.6 months0.2 months0.0 months
Total Cost of CreditTHB 2,152.97THB 3,774.30THB 11,518.30THB 11,783.30THB 25,822.30THB 24,215.30
True Price by Comp           
Interest price component33.6%33.7%33.6%30.0%30.1%30.1%
Fee Component0.1%0.9%0.3%0.3%0.1%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)33.7%34.6%33.9%30.3%30.2%30.2%
Transparency Index898788999999
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

IGL samples
Sample 1Sample 2
Loan AmountINR 8,000INR 15,000
Loan Cycle (1, 2, 3, etc)Not Known2
Disbursement Date2010-10-132010-11-10
Loan Term (Months)12.1 months15.4 months
Grace Period (Months)0.0 months0.0 months
Total Cost of CreditNot KnownNot Known
True Price by Comp   
Interest and Fee Component30.6%28.9%
Insurance Component2.7%1.2%
Tax Component0.0%0.0%
Deposit Component0.0%0.0%
Full APR (int fee ins tax dep)33.3%30.1%
MFIN MFI Earning (Annualised)30.6%28.9%
MFIN Cost to Borrower (Annualised)33.3%30.1%
Transparency Index7280
MFIN Transparency IndexN/AN/A
    
Original Repayment SchedulePDFPDF
MFT Pricing CalculationPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
Individual Loan (THB) Price Graphs


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IGL 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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