2. TPC
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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: 140 months
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Institution

Opportunity International Savings & Loans Ltd. No. D765/3 Kwame Nkrumah AvenueAccra, Greater AccraPO Box JT 323
Data approved: 2013-03-12
Data version: 2
Age of data: 141 months
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Product

Home Improvement Loan (USD) Product 15 of 15 « Prev | Next »

Product

Church Loan Product 2 of 10 « Prev | Next »

Product Summary

Number borrowers404
Loan Amount (range)USD 150 - 5,000
Loan Term (range)3 - 48
Other Services (text summary)
Annual Interest & Method21.6%-30.0% annual, Decl Bal
Fees0.20-2.90 upfront
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)21.8% - 31.7%
Transparency Index (min/max)68 - 99
Transparency Index (average)87

Product Summary

53
GHS 5,000 - 100,000
3 - 37
Credit Educ
39.0% annual, Decl Bal
3.50% upfront 3.00 upfront
1.00% ongoing
None
15.0% upfront
 
33.9% - 69.6%
2.9% - 24.0%
0.5% - 4.4%
0
55.6% - 61.3%
31 - 88
66

Product Details

Key Statistics
Outstanding portfolio (USD)USD 577,938
Portfolio (USD)USD 577,938
Active Clients with Loans404
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
The Home Improvement loan is a unique product with special features, and for a particular purpose to carry out renovations or extensions of their existing house such as living room, kitchen, WC, fence, roof, pump-well, house painting, etc.
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 product6
Regions ActiveBattambang, Kampong Cham, Kandal, Phnom Penh, Svay Rieng, Takéo

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 476,439
Portfolio (USD)USD 241,847.21
Active Clients with Loans53
Approximate % Female Clients0
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
OtherInstitutional loan
Description
Church loan is designed for Chuches for their development activities. Collateral is not required.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherFinancing church building
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherFully registered functioning church
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution6
# Regions for this product6
Regions ActiveGreater Accra Region, Central Region, Western Region, Eastern Region, Ashanti Region, Brong Ahafo Region

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 150
Maximum loan size5,000
Distribution at Disbursement (Est.)
Loans less than USD 2505%
USD 250-1,00030%
USD 1,000-1,50020%
USD 1,500-2,00020%
USD 2,000-2,5005%
Greater than USD 2,5005%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term48.0 months
Approx average29.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months10%
Between 10 and 12 months10%
Between 13 and 18 months80%
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
CurrencyGHS
Minimum loan sizeGHS 5,000
Maximum loan size100,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,0000
GHS 1,000-5,0000
GHS 5,000-7,50020%
GHS 7,500-10,00020%
GHS 10,000-13,00020%
Greater than GHS 13,00020%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term37.0 months
Approx average20.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months70%
Between 13 and 18 months0
Longer than 18 months30%
Grace Period
Grace period usage100%
Average grace period1.0 month
Repayment Frequency
Daily
Weekly
Every 2 weeks
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 interest1.80%
Highest quoted nominal interest2.50%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCredit Bureau Cambodia - CBC fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min0.20
Fixed amount - max2.90
Reason for variationCharge 800KHR/0.19USD for loan size <2,000,000 KHR/482USD. Charge 12,000 KHR/2.9USD for > 2,000,000 KHR
Appears on Repayment Sched?Yes
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 interest39.00%
Highest quoted nominal interest39.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionProcessing FeeApplication Fee
% of loan amount - min3.50%0
% of loan amount - max3.50%0
OR, Fixed amount - min03
Fixed amount - max03
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation1% of total loan amount, divided and charged equally throughout loan term.
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited15.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid3.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No
Additional Comments
Interest paid on deposit rule - If amount deposited is less than 1,000 GHS, 0% interest. If amount deposited is 1,000 GHS or more, 3% interest.

Full Pricing Data

Home Improvement Loan (USD) samples
Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 300USD 600USD 1,700USD 2,500USD 3,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-01-222013-02-192013-01-312013-02-192013-02-27
Loan Term (Months)15.0 months24.0 months36.0 months37.0 months36.0 months
Grace Period (Months)-0.2 months-0.3 months-0.5 months0.0 months-0.4 months
Total Cost of CreditUSD 64.69USD 183.22USD 642.53USD 939.76USD 1,086.42
True Price by Comp         
Interest price component30.1%27.1%22.9%21.7%21.7%
Fee Component1.6%0.5%0.1%0.1%0.1%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)31.7%27.6%23.0%21.8%21.8%
Transparency Index6878949999
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

Full Pricing Data

Church Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountGHS 6,000GHS 9,000GHS 12,000GHS 15,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2012-07-172012-06-292012-11-232012-03-23
Loan Term (Months)25.0 months13.0 months18.0 months37.0 months
Grace Period (Months)0.4 months1.0 month0.0 months0.0 months
Total Cost of CreditGHS 2,810.68GHS 2,625.71GHS 4,276.98GHS 9,803.87
True Price by Comp       
Interest price component38.7%38.8%38.8%38.8%
Fee Component4.3%6.5%5.4%3.3%
Insurance Component0.8%1.5%1.2%0.5%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component14.0%14.5%15.2%13.0%
Full APR (int fee ins tax dep)57.8%61.3%60.6%55.6%
Transparency Index67646470
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Home Improvement Loan (USD) 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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