2. TPC
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  2. ASHI
Please note that the information you are viewing is 160 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: 140 months
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Institution

Ahon sa Hirap, Inc. 76 8th AvenueCubaoQuezon City1109
Data approved: 2011-11-15
Data version: 1
Age of data: 160 months

Product

TP Loan End of Cycle (THB) Product 11 of 15 « Prev | Next »

Product

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Product Summary

Number borrowers6,977
Loan Amount (range)THB 1,000 - 18,000
Loan Term (range)3 - 12
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)33.6% - 33.7%
Transparency Index (min/max)68 - 99
Transparency Index (average)96

Product Summary

19,732
PHP 3,000 - 50,000
6 - 24
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Life Insurance
25.0% annual, Flat
5.00% upfront
5.00 upfront 5.00 ongoing
None
5.00 upfront 5.00 ongoing
 
N/A
70.1% (Int+Fee)
0 - 33.7%
0
72.1% - 106.2%
0 - 75
31

Product Details

Key Statistics
Outstanding portfolio (THB)THB 70,944,608
Portfolio (USD)USD 2,404,901.97
Active Clients with Loans6,977
Approximate % Female Clients0
Approximate % Urban Clients0
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
The Thaneakea Phum Loan is a community based lending facility that uses the village as the service delivery point. Under this loan type, the borrower is a joint liability group composed of two to seven members.
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 product3
Regions ActiveBanteay Meanchey, Battambang, Oddar Meancheay

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 146,270,315
Portfolio (USD)USD 3,499,289.83
Active Clients with Loans19,732
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Loans used for income generating activities/business
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 trainingx
Other training
OtherLife Insurance
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
Must own a home or land
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyTHB
Minimum loan sizeTHB 1,000
Maximum loan size18,000
Distribution at Disbursement (Est.)
Loans less than THB 10,00070%
THB 10,000-30,00030%
THB 30,000-50,0000
THB 50,000-70,0000
THB 70,000-90,0000
Greater than THB 90,0000
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 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
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
CurrencyPHP
Minimum loan sizePHP 3,000
Maximum loan size50,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term24.0 months
Approx average6.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
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 interest2.70%
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 interest25.00%
Highest quoted nominal interest25.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionSalamat Fund
% of loan amount - min5.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLoan Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min5
Fixed amount - max5
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
Ins 1
DescriptionLoan Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min5
Fixed amount - max5
Reason for variationN/A
Appears on Repayment Sched?No
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount depositedPHP 5
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 5
Conditions on access to depositWhen Leaving
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
To avail of insurance, one-time membership fee of P25 is collected. Salamat Fund goes to a group fund against which members can loan. General Loan is the primary loan of members. Members may get additional loans, but will only pay for insurance and deposit savings once. Member is required to deposit P5 and pay P5 insurance premium every week, with or without a loan.

Full Pricing Data

TP Loan End of Cycle (THB) samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountTHB 2,000THB 5,000THB 10,000THB 18,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-142013-02-272013-02-212013-02-20
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)10.9 months10.9 months10.9 months10.9 months
Total Cost of CreditTHB 666THB 1,669THB 3,337THB 6,016
True Price by Comp       
Interest price component33.7%33.7%33.7%33.6%
Fee Component0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)33.7%33.7%33.7%33.6%
Transparency Index96969696
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

General Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 5,000PHP 7,000PHP 15,000PHP 30,000
Loan Cycle (1, 2, 3, etc)1242
Disbursement Date2011-03-282011-03-152011-03-082011-01-31
Loan Term (Months)5.8 months5.8 months5.8 months5.8 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component70.1%70.1%70.1%70.1%
Insurance Component33.7%7.1%3.3%1.7%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component2.3%1.2%0.6%0.3%
Full APR (int fee ins tax dep)106.2%78.5%74.0%72.1%
Transparency Index24323435
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
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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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