2. TPC
Please note that the information you are viewing is 140 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. RB Labason
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
Choose version
  • No previous version for this product.

Institution

Rural Bank of Labason, Inc. Rizal Ave. St. AntoninoNational Highway, PoblacionLabason, Zamboanga del Norte/Region IX7117
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

KUGI Product 1 of 1 « 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

524
PHP 5,000 - 150,000
1 - 10
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
30.0% annual, Flat
2.50% upfront 200.00 upfront
170.00-39,750.00 upfront
None
20.00% ongoing
 
N/A
58.8% - 82.0% (Int+Fee)
4.9% - 13.5%
0
64.0% - 97.7%
31 - 47
39

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 12,118,482
Portfolio (USD)USD 289,915.84
Active Clients with Loans524
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
PAHULAM SA GAGMAYNG NEGOSYANTE (Micro Business Loan) - KUGI LOAN is offered to micro-entrepreneurs engaged in various microentrepreneurial activities
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
Other
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 groupx
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 5,000
Maximum loan size150,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term10.0 months
Approx average6.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Dailyx
Weeklyx
Every 2 weeksx
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 interest30.00%
Highest quoted nominal interest30.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionService Charge + Processing FeeNotarial Fee
% of loan amount - min2.50%0
% of loan amount - max2.50%0
OR, Fixed amount - min0200
Fixed amount - max0200
Reason for variationN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min170
Fixed amount - max39,750
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
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 deposited0
Deposits DURING period payments
% loan amount deposited20.00%
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid1.00%
Maximum interest rate paid1.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No
Additional Comments
(1) Credit Insurance = [(Principal x 3% x term in days/36 days) + Principal] x 1.5% ; \r(2) Savings = 2% of Principal/Term in days

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

KUGI samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountPHP 7,000PHP 15,000PHP 30,000PHP 50,000PHP 100,000PHP 120,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-05-062011-06-032011-07-012011-06-242011-05-312011-05-17
Loan Term (Months)6.1 months6.1 months3.0 months6.1 months10.0 months10.0 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 Component78.8%72.2%82.0%68.2%58.8%58.8%
Insurance Component7.7%7.6%13.5%7.5%4.9%4.9%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component2.0%2.4%2.3%1.8%0.3%0.3%
Full APR (int fee ins tax dep)88.6%82.1%97.7%77.4%64.0%64.0%
Transparency Index343731394747
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
TP Loan End Of Cycle (USD) Price Graphs


Click to view Price Analysis Tool
KUGI Price Graphs


Click to view Price Analysis Tool
Caps / Zoom options
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
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞