Thaneakea Phum Cambodia Ltd. - Solidarity Group Loan (USD) - MFTransparency.org Truth In Lending Tables

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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: 138 months

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Product

Solidarity Group Loan (USD) Product 14 of 15 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (USD)	USD 300,602
Portfolio (USD)	USD 300,602
Active Clients with Loans	1,025
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	0% - 20%

Methodology

Individual
Solidarity group	x
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 generation	x
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 services	x

Eligibility

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)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	13
# Regions for this product	13
Regions Active	Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, KandalKratié, Oddar Meancheay, Phnom Penh, Prey VengSiem Reap, Svay Rieng, Takéo

Loan Conditions

Loan Amount

Currency	USD
Minimum loan size	USD 50
Maximum loan size	USD 500

Distribution at Disbursement (Est.)

Loans less than USD 250	10%
USD 250-1,000	90%
USD 1,000-1,500	0
USD 1,500-2,000	0
USD 2,000-2,500	0
Greater than USD 2,500	0

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	18.0 months
Approx average	11.0 months

Distribution at Disbursement (Est.)

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

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks	x
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

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

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 for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Solidarity Group Loan (USD) samples

	Sample 1	Sample 2	Sample 3
Loan Amount	USD 75	USD 150	USD 300
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known
Disbursement Date	2012-12-17	2013-01-28	2013-02-22
Loan Term (Months)	10.0 months	13.0 months	19.0 months
Grace Period (Months)	0.0 months	0.4 months	0.6 months
Total Cost of Credit	USD 12.38	USD 31.72	USD 92.36
True Price by Comp
Interest price component	36.0%	35.9%	35.9%
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)	36.0%	35.9%	35.9%
Transparency Index	90	90	90

Original Repayment Schedule	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF

Solidarity Group Loan (USD) Price Graphs

Click to view Price Analysis Tool

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
Adhikar	35,300	2,674,000	1	138
AMPL	0	0	0	138
Arman	41,500	529,107,000	1	138
Arohan	43,500	8,091,000	2	138
ASA INDIA	164,000	15,380,000	1	138
Asirvad	113,500	19,328,000	1	138
Asmitha	1,114,800	217,867,000	1	138
Bandhan	4,048,600	674,564,000	5	138
Belstar	123,000	23,945,000	2	116
BSFL	275,200	31,590,000	3	138
Chaitanya	20,700	3,748,000	3	138
Disha Microfin	69,000	14,332,000	2	138
Equitas	1,220,000	186,415,000	4	138
ESAF	354,200	43,500,000	5	138
FFSL	150,600	35,719,000	2	138
Fusion	66,800	9,820,000	2	138
Grama Vidiyal	738,200	102,101,000	1	138
Grameen Koota	586,600	83,555,000	15	140
Janalakshmi	506,000	119,077,000	2	138
L & T Finance	399,800	37,199,000	1	138
MFL	331,800	49,083,000	1	138
MMFL	175,000	23,752,000	2	138
Mpower	13,600	2,263,000	2	138
Sahayata	0	0	0	138
Saija	24,700	4,682,000	2	138
Samasta	45,500	4,809,000	2	138
Satin	405,600	90,174,000	2	138
SCCI	115,600	15,910,000	2	138
Share	2,195,400	376,727,000	1	138
SKS	3,409,000	355,029,000	2	138
SMILE	360,200	56,927,000	1	138
SNFL	9,400	1,779,000	1	138
Sonata Finance	158,200	22,724,000	3	140
Spandana	533,400	147,240,000	2	138
Suryoday	78,600	14,713,000	3	138
SVCL	118,200	18,886,000	1	138
Swadhaar	92,800	17,166,000	3	138
Trident	68,700	8,852,000	1	138
Ujjivan	913,300	160,848,000	5	138
Utkarsh	168,600	25,915,000	3	138
VFS	175,400	19,264,000	2	138
Asomi	50,300	4,743,000	2	170
AES India	3,600	286,000	1	170
Arth	2,900	611,000	2	170
Asomi	50,300	4,743,000	2	170
Barasat GS	1,100	99,508.02	1	170
BJS	6,000	468,000	1	170
Cashpor	417,000	50,452,000	1	169
Credible	10,000	1,669,540.36	2	170
DIBAKAR	1,800	145,000	1	169
GOF	65,200	5,388,000	4	169
Hope	62,600	4,407,000	1	167
Jaago	2,700	237,000	1	168
LOK	4,900	573,000	1	169
Nano	25,600	3,660,000	2	170
NBSAAVS	28,100	2,821,000	1	167
Nirantara	8,200	917,000	2	169
Parama	7,100	482,000	1	169
Pragathi	26,200	4,579,000	6	169
PWMACS	36,500	5,946,000	1	169
Saadhana	90,900	12,046,000	2	169
Sambhav	1,500	183,000	3	169
Seba Rahara	6,700	468,000	1	169
SU	61,100	5,498,000	1	169
Swayanshree	7,900	918,000	2	169
Vikas Samiti	1,600	168,000	1	169
Vistaar	4,300	1,157,000	2	167
We The People	1,100	244,000	2	169
WEMCS	1,100	85,000	1	169
Yukti	1,100	99,000	2	169

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

	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

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

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Solidarity Group Loan (USD) samples

Solidarity Group Loan (USD) Price Graphs

Total Borrowers of Samples

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