Outstanding portfolio (KHR) | KHR 11,702,971,575 |
Portfolio (USD) | USD 2,962,777.61 |
Active Clients with Loans | 6,899 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
Individual | |
Solidarity group | x |
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 | x |
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 | KHR |
Minimum loan size | KHR 600,100 |
Maximum loan size | 4,000,000 |
Loans less than KHR 1,000,000 | 10% |
KHR 1,000,000-3,500,000 | 70% |
KHR 3,500,000-6,000,000 | 20% |
KHR 6,000,000-8,000,000 | 0 |
KHR 8,000,000-10,000,000 | 0 |
Greater than KHR 10,000,000 | 0 |
Shortest loan term | 3.0 months |
Longest loan term | 24.0 months |
Approx average | 18.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 20% |
Between 13 and 18 months | 60% |
Longer than 18 months | 20% |
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 | 2.85% |
Highest quoted nominal interest | 3.00% |
Reason(s) why interest rate varies | Branch, 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 | |||
---|---|---|---|---|---|
Loan Amount | KHR 650,000 | KHR 1,100,000 | KHR 2,500,000 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2013-03-15 | 2013-02-15 | 2013-03-07 | ||
Loan Term (Months) | 19.0 months | 12.0 months | 24.0 months | ||
Grace Period (Months) | 5.0 months | 2.9 months | 0.4 months | ||
Total Cost of Credit | KHR 223,400 | KHR 255,100 | KHR 906,700 | ||
True Price by Comp | |||||
Interest price component | 34.1% | 35.1% | 34.8% | ||
Fee Component | 0.0% | 0.0% | 0.0% | ||
Insurance Component | 0.0% | 0.0% | 0.0% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 0.0% | 0.0% | 0.0% | ||
Full APR (int fee ins tax dep) | 34.1% | 35.1% | 34.8% | ||
Transparency Index | 100 | 97 | 98 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.cashpor.in/ |
Year established | 2002 |
Head of Institution | Mukul Jaiswal |
Regions active | |
# Branches | 269 |
Total Portfolio (nat'l) | INR 2,673,981,826 |
Total Portfolio (USD) | USD 50,452,487.28 |
Active clients with loans | 417,039 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 0% - 20% |
Network affiliations |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Income Generating Loan | INR 2,000 - 25,000 | 12 | 80% - 100% | 0% - 20% | Any Purpose | Women | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training |
Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Income Generating Loan | 0 | 25.8% - 26% | 27.9% - 28.1% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Income Generating Loan | 13.5% annual, Flat | 0 Fees | 1 Ins | None | N/A | 25.8% - 26% | 27.9% - 28.1% | 48 |
Key Statistics | |
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Loan Portfolio (USD) | |
% Products using declining balance | |
% Products with one or more fee | |
% Products with one or more insurances | |
% Products with compulsory deposits |
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