Number borrowers | 19,944 |
Loan Amount (range) | KHR 200,000 - 2,000,000 |
Loan Term (range) | 3 - 18 |
Other Services (text summary) | Group Mtgs |
Annual Interest & Method | 32.4%-42.0% annual, Decl Bal |
Fees | None |
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) | 34.9% - 35.1% |
Transparency Index (min/max) | 68 - 99 |
Transparency Index (average) | 92 |
14,176 |
KES 5,000 - 140,000 |
3 - 12 |
Credit Educ, Group Mtgs, Business Training, Other Training |
20.0% annual, Flat |
3.00% upfront |
None |
None |
20.0% upfront |
34.7% - 93.6% |
0 - 12.6% |
0 |
0 |
60.4% - 74.3% |
27 - 96 |
30 |
Outstanding portfolio (KHR) | KHR 18,256,853,500 |
Portfolio (USD) | USD 4,621,988.23 |
Active Clients with Loans | 19,944 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
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 | |
Group meetings | x |
Credit insurance | |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services |
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 | 13 |
Regions Active | Banteay Meanchey, Battambang, Kampong Cham, Kampong Speu, Kampot, KandalKratié, Oddar Meancheay, Phnom Penh, Prey VengSiem Reap, Svay Rieng, Takéo |
Outstanding portfolio (KES) | KES 341,540,495 |
Portfolio (USD) | USD 4,124,885.21 |
Active Clients with Loans | 14,176 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 60% - 80% |
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 | |
Workplace visits | |
Business training | x |
Other training | x |
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 | 5 |
# Regions for this product | 5 |
Regions Active | Central, Eastern, Nairobi, Nyanza, Rift Valley |
Currency | KHR |
Minimum loan size | KHR 200,000 |
Maximum loan size | 2,000,000 |
Loans less than KHR 1,000,000 | 40% |
KHR 1,000,000-3,500,000 | 60% |
KHR 3,500,000-6,000,000 | 0 |
KHR 6,000,000-8,000,000 | 0 |
KHR 8,000,000-10,000,000 | 0 |
Greater than KHR 10,000,000 | 0 |
Shortest loan term | 3.0 months |
Longest loan term | 18.0 months |
Approx average | 11.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 70% |
Between 13 and 18 months | 30% |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | x |
Every 2 weeks | x |
Every 4 weeks | x |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Currency | KES |
Minimum loan size | KES 5,000 |
Maximum loan size | 140,000 |
Loans less than KES 50,000 | 30% |
KES 50,000-150,000 | 70% |
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 | 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 | 5% |
Between 7 and 9 months | 15% |
Between 10 and 12 months | 80% |
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 | x |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 2.70% |
Highest quoted nominal interest | 3.50% |
Reason(s) why interest rate varies | Branch, Time as Client, Client Risk, 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 |
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 | 1.67% |
Highest quoted nominal interest | 1.67% |
Interest rate period | Monthly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | upfront fee |
% of loan amount - min | 3.00% |
% of loan amount - max | 3.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | Yes |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | Yes |
Do borrowers control deposit in their group? | Yes |
% loan amount deposited | 20.00% |
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 | |||
---|---|---|---|---|---|
Loan Amount | KHR 200,000 | KHR 500,000 | KHR 1,200,000 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2013-02-22 | 2013-02-19 | 2013-02-19 | ||
Loan Term (Months) | 12.0 months | 12.0 months | 18.0 months | ||
Grace Period (Months) | -0.3 months | -0.2 months | -0.5 months | ||
Total Cost of Credit | KHR 36,900 | KHR 93,000 | KHR 318,800 | ||
True Price by Comp | |||||
Interest price component | 35.1% | 35.0% | 34.9% | ||
Fee Component | 0.0% | 0.0% | 0.0% | ||
Insurance Component | 0.0% | 0.0% | 0.0% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 0.0% | 0.0% | 0.0% | ||
Full APR (int fee ins tax dep) | 35.1% | 35.0% | 34.9% | ||
Transparency Index | 92 | 93 | 93 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
Loan Amount |
Type of Sample |
Disbursement Date |
Loan Term (Months) |
Grace Period (Months) |
Total Cost of Credit |
Full APR (int fee ins tax dep) |
True Price by Component |
Transparency Index |
Original Repayment Schedule |
MFT Pricing Calculation |
||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Interest price component |
Fee Component |
Insurance Component |
Tax Component |
Deposit Component |
||||||||||
KES 70,000 | Real | 2015-03-09 | 11.1 months | N/A | KES 15,023 | 63.8% | 35.7% | 6.6% | 0.0% | 0.0% | 21.5% | 31 | ||
KES 70,000 | Generated | 2015-03-01 | 11.5 months | N/A | KES 15,551.51 | 64.7% | 36.3% | 6.5% | 0.0% | 0.0% | 21.9% | 31 | - | |
KES 20,000 | Real | 2015-03-26 | 5.7 months | N/A | KES 2,631 | 67.4% | 34.9% | 11.2% | 0.0% | 0.0% | 21.3% | 30 | ||
KES 20,000 | Generated | 2015-03-01 | 5.5 months | N/A | KES 2,444.78 | 74.3% | 35.9% | 12.6% | 0.0% | 0.0% | 25.8% | 27 | - | |
KES 15,000 | Generated | 2015-03-01 | 5.5 months | N/A | KES 1,833.58 | 74.3% | 35.9% | 12.6% | 0.0% | 0.0% | 25.8% | 27 | - | |
KES 25,000 | Generated | 2015-03-01 | 5.5 months | N/A | KES 3,055.97 | 74.3% | 35.9% | 12.6% | 0.0% | 0.0% | 25.8% | 27 | - | |
KES 45,000 | Generated | 2015-03-01 | 11.5 months | N/A | KES 9,997.40 | 64.7% | 36.3% | 6.5% | 0.0% | 0.0% | 21.9% | 31 | - | |
KES 90,000 | Generated | 2015-03-01 | 12.0 months | N/A | KES 20,736 | 60.4% | 34.7% | 6.0% | 0.0% | 0.0% | 19.7% | 33 | - | |
KES 135,000 | Generated | 2015-03-01 | 12.0 months | N/A | KES 31,104 | 60.4% | 34.7% | 6.0% | 0.0% | 0.0% | 19.7% | 33 | - | |
KES 150,000 | Generated | 2015-03-01 | 11.5 months | N/A | KES 33,324.66 | 64.7% | 36.3% | 6.5% | 0.0% | 0.0% | 21.9% | 31 | - |
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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