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. ASKI
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

Alalay sa Kaunlaran, Inc. 105 Maharlika HighwayCabanatuan, Nueva Ecija3100
Data approved: 2011-11-15
Data version: 1
Age of data: 160 months

Product

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

Product

Individual Loan Program (ILP) Product 4 of 4 « 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

14,472
PHP 5,000 - 150,000
6 - 24
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Transformation Program, Environment Program
21.0%-36.0% annual, Flat
3.00% upfront 100.00 upfront
300.00 upfront 30.00 ongoing
None
10.00% ongoing
 
N/A
67.4% - 91.1% (Int+Fee)
0 - 54.9%
0
71.0% - 157.5%
13 - 78
22

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 (PHP)PHP 219,300,668
Portfolio (USD)USD 5,246,427.46
Active Clients with Loans14,472
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
ILP is lending to a single person with a relatively larger loan amount than that of group lending. It offers a wide range of financial services to micro-entrepreneurs to increase their business and family income.
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 trainingx
OtherTransformation Program
Other (2)Environment Program
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 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 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
CurrencyPHP
Minimum loan sizePHP 5,000
Maximum loan size150,000
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 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 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 interest1.75%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionService FeeBusiness Development Support Service
% of loan amount - min3.00%0
% of loan amount - max3.00%0
OR, Fixed amount - min0100
Fixed amount - max0100
Reason for variationN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionASKI MBA Life Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min300
Fixed amount - max300
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
Ins 1
DescriptionASKI MBA Life Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min30
Fixed amount - max30
Reason for variationN/A
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited10.00%
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 frequencyMonthly
Taxes
Are taxes charged on this product?No
Additional Comments
For MBA, one time membership fee or P3 and first week premium contribution of P3 are collected on initial loan. Interest on CBU is computed based on the average daily balance and is directly credit to the client's account. Outreach based on April 211 data

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

Individual Loan Program (ILP) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountPHP 8,000PHP 14,000PHP 30,000PHP 60,000PHP 90,000PHP 120,000
Loan Cycle (1, 2, 3, etc)141336
Disbursement Date2011-04-292011-04-152011-04-152011-04-292011-05-172011-05-25
Loan Term (Months)6.0 months6.0 months6.0 months6.0 months12.0 months12.0 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 Component91.1%88.5%77.6%87.0%67.8%67.4%
Insurance Component54.9%20.6%5.1%4.8%2.8%2.1%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component11.6%8.8%5.7%4.3%2.0%1.5%
Full APR (int fee ins tax dep)157.5%117.9%88.4%96.1%72.6%71.0%
Transparency Index131824222930
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Home Improvement Loan (USD) Price Graphs


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Individual Loan Program (ILP) 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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