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 (USD) Product 13 of 15 « Prev | Next »

Product

Educational Loan Product 2 of 6 « Prev | Next »

Product Summary

Number borrowers121
Loan Amount (range)USD 25 - 450
Loan Term (range)3 - 12
Other Services (text summary)
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)36.0% - 37.1%
Transparency Index (min/max)68 - 99
Transparency Index (average)89

Product Summary

3,590
PHP 3,000 - 20,000
6 - 24
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
25.0% annual, Flat
None
None
None
N/A
 
N/A
47.3% - 48.4% (Int+Fee)
0 - 33.7%
0
47.3% - 48.4%
0 - 75
52

Product Details

Key Statistics
Outstanding portfolio (USD)USD 31,767
Portfolio (USD)USD 31,767
Active Clients with Loans121
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
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 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 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 institution13
# Regions for this product9
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kandal, Prey VengSiem Reap, Svay Rieng, Takéo

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 15,432,103
Portfolio (USD)USD 369,189.07
Active Clients with Loans3,590
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Loan can be used to pay for tuition fee or any related school fees (including purchase of supplies or uniform) of the member or immediate family member.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other training
Other
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
CurrencyUSD
Minimum loan sizeUSD 25
Maximum loan sizeUSD 450
Distribution at Disbursement (Est.)
Loans less than USD 25060%
USD 250-1,00040%
USD 1,000-1,5000
USD 1,500-2,0000
USD 2,000-2,5000
Greater than USD 2,5000
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 size20,000
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
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
Additional Comments
Member's general loan must be current and there must be 4 groups in the center

Full Pricing Data

TP Loan End Of Cycle (USD) samples
Sample 1Sample 2Sample 3
Loan AmountUSD 50USD 150USD 300
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2012-11-052013-01-082013-01-29
Loan Term (Months)11.0 months12.0 months12.0 months
Grace Period (Months)10.5 months10.6 months11.5 months
Total Cost of CreditUSD 17.20USD 52.35USD 112.20
True Price by Comp     
Interest price component37.1%36.0%36.0%
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)37.1%36.0%36.0%
Transparency Index879090
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Educational Loan samples
Sample 1Sample 2Sample 3
Loan AmountPHP 5,000PHP 10,000PHP 15,000
Loan Cycle (1, 2, 3, etc)123
Disbursement Date2011-01-312011-01-312011-02-21
Loan Term (Months)11.7 months5.8 months5.8 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 Component47.3%48.4%48.4%
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)47.3%48.4%48.4%
Transparency Index535252
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
TP Loan End Of Cycle (USD) Price Graphs


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Educational 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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