2. TPC
Please note that the information you are viewing is 139 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: 139 months
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.tpc.com.kh/
Year established2002
Head of InstitutionMrs. Nurhayrah Sadava
Regions activeBanteay Meanchey, Battambang, Kampong Cham, Kampong Speu, Kampot, KandalKratié, Oddar Meancheay, Phnom Penh, Prey VengSiem Reap, Svay Rieng, Takéo
# Branches39

Total Portfolio (nat'l)KHR 208,030,000,000
Total Portfolio (USD)USD 52,665,822.78
Active clients with loans122,012
Approximate % female clients60% - 80%
Approximate % urban clients0
Network affiliations
FundersDeveloping World Market (DWM)

Loan Products » Summary

Indiv (KHR)
5,675 Borrowers
USD 2,859,555.57 Portfolio
Active Product
Indiv (USD)
11,133 Borrowers
USD 12,043,949.70 Portfolio
Active Product
Ind Seas KHR
2,034 Borrowers
USD 1,443,381.92 Portfolio
Active Product
Ind Seas USD
2,187 Borrowers
USD 3,193,174.67 Portfolio
Active Product
Indiv (THB)
755 Borrowers
USD 792,074.88 Portfolio
Active Product
Seasonal THB
493 Borrowers
USD 720,261.97 Portfolio
Active Product
SGL (THB)
1,801 Borrowers
USD 601,714.81 Portfolio
Active Product
SGL (KHR)
19,944 Borrowers
USD 4,621,988.23 Portfolio
Active Product
TPL (KHR)
67,527 Borrowers
USD 16,339,834.38 Portfolio
Active Product
TPL (THB)
6,977 Borrowers
USD 2,404,901.97 Portfolio
Active Product
TPL (USD)
121 Borrowers
USD 31,767 Portfolio
Active Product
SGL (USD)
1,025 Borrowers
USD 300,602 Portfolio
Active Product
HIL (USD)
404 Borrowers
USD 577,938 Portfolio
Active Product
Solidarity Group Loan (SGL) Seasonal Loan
Retired Product
TP Loan Fixed Installment (KHR)
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Individual Loan (KHR) KHR 800,000 - 20,000,000 3 - 24 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land
Individual Loan (USD) USD 200 - 5,000 3 - 24 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land
Individual Loan - Seasonal (KHR) KHR 800,000 - 20,000,000 3 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land
Individual Loan - Seasonal (USD) USD 200 - 5,000 3 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land
Individual Loan (THB) THB 8,000 - 200,000 3 - 24 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land
Individual Loan - Seasonal (THB) THB 8,000 - 200,000 3 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land
Solidarity Group Loan (THB) THB 2,000 - 20,000 3 - 18 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land Group Mtgs
Solidarity Group Loan (KHR) KHR 200,000 - 2,000,000 3 - 18 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land Group Mtgs
TP Loan End of Cycle (KHR) KHR 100,000 - 1,800,000 3 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land Group Mtgs
TP Loan End of Cycle (THB) THB 1,000 - 18,000 3 - 12 0% 0% Business Women, Men, Have business, Have home or land Group Mtgs
TP Loan End Of Cycle (USD) USD 25 - 450 3 - 12 80% - 100% 0% - 20% Business Women, Men, Have business
Solidarity Group Loan (USD) USD 50 - 500 3 - 18 80% - 100% 0% - 20% Business Women, Men, Have business
Home Improvement Loan (USD) USD 150 - 5,000 3 - 48 80% - 100% 0% - 20% Business Women, Men, Have business

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Individual Loan (KHR) 30.0%-42.0% annual, Decl Bal 1 Fee 0 Ins None N/A 30.2% - 36.4% 30.2% - 36.4% 90
Individual Loan (USD) 21.6%-30.0% annual, Decl Bal 1 Fee 0 Ins None N/A 21.8% - 31.1% 21.8% - 31.1% 81
Individual Loan - Seasonal (KHR) 30.0%-42.0% annual, Decl Bal 1 Fee 0 Ins None N/A 32% - 36.7% 32% - 36.7% 87
Individual Loan - Seasonal (USD) 24.0%-36.0% annual, Decl Bal 1 Fee 0 Ins None N/A 24.3% - 30.6% 24.3% - 30.6% 89
Individual Loan (THB) 30.0%-42.0% annual, Decl Bal 1 Fee 0 Ins None N/A 30.2% - 34.6% 30.2% - 34.6% 93
Individual Loan - Seasonal (THB) 30.0%-42.0% annual, Decl Bal 1 Fee 0 Ins None N/A 33% - 36.5% 33% - 36.5% 87
Solidarity Group Loan (THB) 32.4%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 33.6% - 34% 33.6% - 34% 95
Solidarity Group Loan (KHR) 32.4%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 34.9% - 35.1% 34.9% - 35.1% 92
TP Loan End of Cycle (KHR) 32.4%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 36% 36% 90
TP Loan End of Cycle (THB) 32.4%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 33.6% - 33.7% 33.6% - 33.7% 96
TP Loan End Of Cycle (USD) 32.4%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 36% - 37.1% 36% - 37.1% 89
Solidarity Group Loan (USD) 32.4%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 35.9% - 36% 35.9% - 36% 90
Home Improvement Loan (USD) 21.6%-30.0% annual, Decl Bal 1 Fee 0 Ins None N/A 21.8% - 31.7% 21.8% - 31.7% 87
Institution Price Graph
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  2. RB Labason
Please note that the information you are viewing is 158 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

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: 158 months

Product

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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
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 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

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
KUGI Price Graphs


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