Thaneakea Phum Cambodia Ltd. - MFTransparency.org Truth In Lending Tables

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 Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://www.tpc.com.kh/
Year established	2002
Head of Institution	Mrs. Nurhayrah Sadava
Regions active	Banteay Meanchey, Battambang, Kampong Cham, Kampong Speu, Kampot, KandalKratié, Oddar Meancheay, Phnom Penh, Prey VengSiem Reap, Svay Rieng, Takéo
# Branches	39

Total Portfolio (nat'l)	KHR 208,030,000,000
Total Portfolio (USD)	USD 52,665,822.78
Active clients with loans	122,012
Approximate % female clients	60% - 80%
Approximate % urban clients	0
Network affiliations
Funders	Developing 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	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Individual Loan (KHR)	30.0%-42.0% annual, Decl Bal	1 Fee	None	N/A	30.2% - 36.4%	30.2% - 36.4%	90
Individual Loan (USD)	21.6%-30.0% annual, Decl Bal	1 Fee	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	None	N/A	32% - 36.7%	32% - 36.7%	87
Individual Loan - Seasonal (USD)	24.0%-36.0% annual, Decl Bal	1 Fee	None	N/A	24.3% - 30.6%	24.3% - 30.6%	89
Individual Loan (THB)	30.0%-42.0% annual, Decl Bal	1 Fee	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	None	N/A	33% - 36.5%	33% - 36.5%	87
Solidarity Group Loan (THB)	32.4%-42.0% annual, Decl Bal	0 Fees	None	N/A	33.6% - 34%	33.6% - 34%	95
Solidarity Group Loan (KHR)	32.4%-42.0% annual, Decl Bal	0 Fees	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	None	N/A	36%	36%	90
TP Loan End of Cycle (THB)	32.4%-42.0% annual, Decl Bal	0 Fees	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	None	N/A	36% - 37.1%	36% - 37.1%	89
Solidarity Group Loan (USD)	32.4%-42.0% annual, Decl Bal	0 Fees	None	N/A	35.9% - 36%	35.9% - 36%	90
Home Improvement Loan (USD)	21.6%-30.0% annual, Decl Bal	1 Fee	None	N/A	21.8% - 31.7%	21.8% - 31.7%	87

Institution Price Graph

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Please note that the information you are viewing is 135 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Fanikiwa Microfinance Company Limited Head OfficeDar Es SalaamPO Box 8695

Data approved: 2013-03-13

Data version: 2

Age of data: 135 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (TZS)	TZS 323,656,000
Portfolio (USD)	USD 203,557.23
Active Clients with Loans	1,342
Approximate % Female Clients	60% - 80%
Approximate % Urban Clients	20% - 40%

Methodology

Individual
Solidarity group	x
Village banking
Self help group
Other

Description

A community banking product designed to provide credit services to micro-entrepreneurs who are in groups of 5-25 persons.

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	x
Other training
Other
Other (2)
No other services

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	3
# Regions for this product	5
Regions Active	Arusha, Dar es Salaam, Mwanza, Tanga, Zanzibar Central/South

Loan Conditions

Loan Amount

Currency	TZS
Minimum loan size	TZS 50,000
Maximum loan size	2,000,000

Distribution at Disbursement (Est.)

Loans less than TZS 350,000	30%
TZS 350,000-1,250,000	50%
TZS 1,250,000-2,000,000	20%
TZS 2,000,000-3,000,000	0
TZS 3,000,000-4,000,000	0
Greater than TZS 4,000,000	0

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	12.0 months
Approx average	6.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	5%
Between 4 and 6 months	60%
Between 7 and 9 months	20%
Between 10 and 12 months	15%
Between 13 and 18 months	0
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
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	2.50%
Highest quoted nominal interest	2.50%
Interest rate period	Monthly
Interest Rate Calculation Method	Flat
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1	Fee 2
Description	Registration Fee	Application Fee
% of loan amount - min	1.00%	0
% of loan amount - max	1.00%	0
OR, Fixed amount - min	0	3,000
Fixed amount - max	0	3,000
Reason for variation	N/A	N/A
Appears on Repayment Sched?	No	No

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

	Ins 1
Description	Loan Insurance Fund
% of loan amount - min	1.00%
% of loan amount - max	1.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	Yes

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?	No
Do borrowers control deposit in their group?	Yes

Deposit BEFORE or AT Disbursement

% loan amount deposited	10.00%
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	2.00%
or, Fixed-amount deposited	0
Conditions on access to deposit	End Term

Interest Paid on Deposit

Minimum interest rate paid	0
Maximum interest rate paid	0
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Additional Comments

On each installment payment customers have to make additional 2% as savings

Full Pricing Data

Jamii Loan samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5
Loan Amount	TZS 200,000	TZS 300,000	TZS 500,000	TZS 1,500,000	TZS 2,000,000
Loan Cycle (1, 2, 3, etc)	3	1	2	3	4
Disbursement Date	2013-01-11	2013-01-11	2013-02-08	2013-01-28	2013-01-28
Loan Term (Months)	6.0 months	6.0 months	6.0 months	6.0 months	6.0 months
Grace Period (Months)	0.0 months	0.0 months	-0.1 months	0.0 months	0.0 months
Total Cost of Credit	TZS 37,000	TZS 54,000	TZS 88,000	TZS 258,000	TZS 343,000
True Price by Comp
Interest price component	49.9%	49.9%	49.6%	49.1%	49.1%
Fee Component	9.2%	7.3%	5.8%	4.4%	4.2%
Insurance Component	3.8%	3.8%	3.7%	3.6%	3.7%
Tax Component	0.0%	0.0%	0.0%	0.0%	0.0%
Deposit Component	12.9%	12.5%	12.3%	11.8%	11.7%
Full APR (int fee ins tax dep)	75.8%	73.5%	71.4%	68.9%	68.7%
Transparency Index	40	41	42	44	44

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

Jamii Loan 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

	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
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Institution

Institution Details

Loan Products » Summary

Loan Products » Conditions

Loan Products » Pricing Information

Institution Price Graph

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

Additional Comments

Full Pricing Data

Jamii Loan samples

Jamii Loan Price Graphs

Total Borrowers of Samples

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