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. Family Bank
Please note that the information you are viewing is 172 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

Family Bank Ltd. NairobiKenyaP.O. Box 74145
Data approved: 2010-09-13
Data version: 1
Age of data: 172 months

Product

Solidarity Group Loan (KHR) Product 8 of 15 « Prev | Next »

Product

Biashara Boost Loan Product 2 of 5 « Prev | Next »

Product Summary

Number borrowers19,944
Loan Amount (range)KHR 200,000 - 2,000,000
Loan Term (range)3 - 18
Other Services (text summary)Group Mtgs
Annual Interest & Method32.4%-42.0% annual, Decl Bal
FeesNone
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)34.9% - 35.1%
Transparency Index (min/max)68 - 99
Transparency Index (average)92

Product Summary

5,500
KES 5,000 - 500,000
6 - 24
Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Other Training, Book-keeping skills
19.2% annual, Flat
3.00% upfront upfront
3.00% upfront
None
N/A
 
N/A
39.8% - 48.5% (Int+Fee)
0
0
39.8% - 48.5%
23 - 77
45

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 18,256,853,500
Portfolio (USD)USD 4,621,988.23
Active Clients with Loans19,944
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Groups elect to make their payments directly at the TPC branch office or satellite office. This loan type is for clients who need larger loans and regularly travel to the markets or businesses surrounding our branch offices.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services
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 product13
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Speu, Kampot, KandalKratié, Oddar Meancheay, Phnom Penh, Prey VengSiem Reap, Svay Rieng, Takéo

Product Details

Key Statistics
Outstanding portfolio (KES)KES 510,000,000
Portfolio (USD)USD 6,159,420.29
Active Clients with Loans5,500
Approximate % Female Clients40% - 60%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Biashara Boost is a loan product targeting Micro & SMEs who are in business or want to venture into viable ones
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household financex
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visitsx
Business trainingx
Other trainingx
OtherBook-keeping skills
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 group
OtherCan use loan to start a business
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
CurrencyKHR
Minimum loan sizeKHR 200,000
Maximum loan size2,000,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,00040%
KHR 1,000,000-3,500,00060%
KHR 3,500,000-6,000,0000
KHR 6,000,000-8,000,0000
KHR 8,000,000-10,000,0000
Greater than KHR 10,000,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term18.0 months
Approx average11.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months70%
Between 13 and 18 months30%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeksx
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyKES
Minimum loan sizeKES 5,000
Maximum loan size500,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term24.0 months
Approx average12.0 months
Grace Period
Grace period usage0
Average grace period0
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 payments

Pricing Information

Interest
Lowest quoted nominal interest2.70%
Highest quoted nominal interest3.50%
Reason(s) why interest rate variesBranch, Time as Client, Client Risk, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
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 interest1.60%
Highest quoted nominal interest1.60%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionProcessing FeeLegal Fee
% of loan amount - min3.00%0
% of loan amount - max3.00%0
OR, Fixed amount - min00
Fixed amount - max02,000
Reason for variationN/AApplied to amounts above KES 100,000
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation0.3% of the loan amount x number of months
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

Solidarity Group Loan (KHR) samples
Sample 1Sample 2Sample 3
Loan AmountKHR 200,000KHR 500,000KHR 1,200,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-02-222013-02-192013-02-19
Loan Term (Months)12.0 months12.0 months18.0 months
Grace Period (Months)-0.3 months-0.2 months-0.5 months
Total Cost of CreditKHR 36,900KHR 93,000KHR 318,800
True Price by Comp     
Interest price component35.1%35.0%34.9%
Fee Component0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)35.1%35.0%34.9%
Transparency Index929393
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Biashara Boost Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountKES 10,000KES 25,000KES 50,000KES 100,000KES 200,000KES 300,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2009-12-182009-11-092010-01-222009-12-282009-12-082009-12-08
Loan Term (Months)6.0 months12.0 months12.0 months6.0 months12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component44.0%40.8%41.4%48.5%42.6%39.8%
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)44.0%40.8%41.4%48.5%42.6%39.8%
Transparency Index444746404548
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Solidarity Group Loan (KHR) Price Graphs


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Biashara Boost Loan 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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