Outstanding portfolio (USD) | USD 11,468,110.51 |
Portfolio (USD) | USD 11,468,110.51 |
Active Clients with Loans | 7,406 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | x |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | |
Credit insurance | x |
Workplace visits | |
Business training | x |
Other training | x |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | x |
Must be a salaried worker | |
Must be specific age group | x |
Other | |
Other (2) |
# Regions for this institution | 20 |
# Regions for this product | 20 |
Regions Active | Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh KongKratié, Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey VengSiem Reap, Svay Rieng, Takéo |
Currency | USD |
Minimum loan size | USD 1,001 |
Maximum loan size | 10,000 |
Loans less than USD 250 | 0 |
USD 250-1,000 | 0 |
USD 1,000-1,500 | 10% |
USD 1,500-2,000 | 40% |
USD 2,000-2,500 | 30% |
Greater than USD 2,500 | 30% |
Shortest loan term | 3.0 months |
Longest loan term | 30.0 months |
Approx average | 24.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 0 |
Between 13 and 18 months | 10% |
Longer than 18 months | 90% |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | x |
Quarterly | x |
Every 6 months | x |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 1.75% |
Highest quoted nominal interest | 3.00% |
Reason(s) why interest rate varies | Branch, Time as Client, Loan Size, Client Risk |
Interest rate period | Monthly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
---|---|---|---|---|---|---|---|
Loan Amount | USD 1,050 | USD 1,900 | USD 2,500 | USD 3,000 | |||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
Disbursement Date | 2013-02-08 | 2013-02-07 | 2013-03-06 | 2013-02-20 | |||
Loan Term (Months) | 20.0 months | 24.0 months | 24.0 months | 24.0 months | |||
Grace Period (Months) | 0.0 months | 0.2 months | 0.6 months | 2.7 months | |||
Total Cost of Credit | USD 240.99 | USD 440.89 | USD 593.10 | USD 781.54 | |||
True Price by Comp | |||||||
Interest price component | 26.3% | 22.8% | 22.5% | 22.7% | |||
Fee Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Full APR (int fee ins tax dep) | 26.3% | 22.8% | 22.5% | 22.7% | |||
Transparency Index | 80 | 92 | 93 | 93 | |||
Original Repayment Schedule | |||||||
MFT Pricing Calculation |
Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
---|---|---|---|---|
1st Valley Bank | 38,900 | 48,291,000 | 3 | 160 |
AJDFI | 13,100 | 884,000 | 6 | 160 |
ARDCI | 44,600 | 9,403,000 | 1 | 160 |
ASA Philippines | 333,400 | 29,282,000 | 1 | 160 |
ASHI | 35,400 | 5,231,000 | 6 | 160 |
ASKI | 60,000 | 15,247,000 | 4 | 160 |
Bangko Kabayan | 8,900 | 2,373,000 | 2 | 160 |
BSEI | 600 | 73,000 | 2 | 160 |
CBI | 8,100 | 2,010,000 | 5 | 160 |
CCT | 70,300 | 9,504,000 | 4 | 160 |
CEV | 35,400 | 5,111,000 | 4 | 160 |
DSPI | 59,300 | 3,676,000 | 3 | 160 |
ECLOF | 5,400 | 1,836,000 | 4 | 160 |
FCB | 12,000 | 2,392,000 | 2 | 160 |
FMB | 2,700 | 710,000 | 2 | 160 |
GM Bank | 23,500 | 1,553,000 | 3 | 160 |
HSPFI | 19,100 | 1,899,000 | 2 | 160 |
JVOFI | 1,300 | 281,000 | 1 | 160 |
Katipunan Bank | 42,100 | 5,325,000 | 2 | 160 |
KDCI | 20,500 | 2,095,000 | 3 | 160 |
KGI | 32,300 | 3,421,000 | 4 | 160 |
KMBI | 245,000 | 15,098,000 | 1 | 160 |
LTMPC | 37,400 | 8,935,000 | 3 | 160 |
Mallig Plains | 6,500 | 641,000 | 2 | 160 |
MILAMDEC | 29,800 | 3,278,000 | 2 | 160 |
MWIMPC | 11,800 | 1,740,000 | 4 | 159 |
NWTF | 105,500 | 12,698,000 | 5 | 160 |
OFMPC | 4,400 | 964,000 | 1 | 160 |
PBC | 50,700 | 10,434,000 | 4 | 160 |
PCSD | 700 | 167,000 | 1 | 160 |
PMPC | 23,500 | 5,565,000 | 8 | 160 |
RB Angeles | 900 | 1,502,000 | 2 | 160 |
RB Labason | 500 | 289,000 | 1 | 160 |
RBLI | 5,200 | 1,026,000 | 2 | 160 |
RBMI | 11,900 | 1,750,000 | 2 | 160 |
RMB | 100 | 173,000 | 1 | 160 |
RSPI | 39,600 | 2,834,000 | 4 | 160 |
SAFRAGEMC | 1,100 | 229,000 | 1 | 160 |
Salve | 10,900 | 1,191,000 | 3 | 160 |
SEDP | 27,000 | 3,914,000 | 3 | 160 |
TSKI | 212,900 | 25,187,000 | 2 | 160 |
TSPI | 264,500 | 31,290,000 | 7 | 160 |
Valient | 1,700 | 672,000 | 2 | 160 |
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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
---|---|---|---|---|---|---|---|
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 ∞ |