Number borrowers | 15,241 |
Loan Amount (range) | KHR 80,000 - 1,400,000 |
Loan Term (range) | 3 - 12 |
Other Services (text summary) | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training |
Annual Interest & Method | 35.4%-36.0% annual, Decl Bal |
Fees | None |
Insurance | None |
Tax | None |
Comp Dep | N/A |
Range of pricing | |
Interest Price Component | 21.5% - 35.9% |
Fee Component | 0 |
Insurance Component | 0 |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 35.3% - 35.9% |
Transparency Index (min/max) | 68 - 100 |
Transparency Index (average) | 99 |
717 |
PHP 1,000 - 60,000 |
1 - 12 |
Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Other Training, Social Services, Spiritual formation (Bible study), Environmental projects - maintenance of forest park, tree planting, waste management, skills trainin |
24.0%-36.0% annual, Flat |
1.70%-2.00% upfront 1.70%-2.00% upfront |
100.00 upfront 0.50%-1.00% upfront |
None |
2.0% upfront 100.00 ongoing |
N/A |
48.1% - 95.4% (Int+Fee) |
9.1% - 103.0% |
0 |
88.9% - 175.8% |
14 - 27 |
21 |
Outstanding portfolio (KHR) | KHR 5,417,460,800 |
Portfolio (USD) | USD 1,371,509.06 |
Active Clients with Loans | 15,241 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
Individual | |
Solidarity group | |
Village banking | x |
Self help group | |
Other |
Any purpose | |
Income generation | |
Mortgage/housing | |
Consumer loan | x |
Agriculture | |
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 | x |
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 |
Outstanding portfolio (PHP) | PHP 7,000,000 |
Portfolio (USD) | USD 167,464.11 |
Active Clients with Loans | 717 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 20% - 40% |
Individual | x |
Solidarity group | x |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | |
Credit insurance | x |
Workplace visits | x |
Business training | x |
Other training | x |
Other | Social Services, Spiritual formation (Bible study) |
Other (2) | Environmental projects - maintenance of forest park, tree planting, waste management, skills trainin |
No other services |
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 | Has no history of loan delinquency |
Other (2) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Currency | KHR |
Minimum loan size | KHR 80,000 |
Maximum loan size | 1,400,000 |
Loans less than KHR 1,000,000 | 80% |
KHR 1,000,000-3,500,000 | 20% |
KHR 3,500,000-6,000,000 | 0 |
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 | 12.0 months |
Approx average | 10.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 20% |
Between 7 and 9 months | 10% |
Between 10 and 12 months | 70% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
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 | x |
Irregular payments |
Currency | PHP |
Minimum loan size | PHP 1,000 |
Maximum loan size | 60,000 |
Shortest loan term | 1.0 month |
Longest loan term | 12.0 months |
Approx average | 3.0 months |
Grace period usage | 0 |
Average grace period | 0 |
Daily | x |
Weekly | x |
Every 2 weeks | x |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 2.95% |
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 |
Lowest quoted nominal interest | 2.00% |
Highest quoted nominal interest | 3.00% |
Reason(s) why interest rate varies | Loan Size, Client Risk, Collateral, Loan Purpose, < 2000 - 2% 200001 - 350000 - 2.5% 35001 - 60,000 - 3% |
Interest rate period | Monthly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Fee 1 | Fee 2 | ||
---|---|---|---|
Description | Service Charge | Organizational Devt. Fund (ODF) | |
% of loan amount - min | 1.70% | 1.70% | |
% of loan amount - max | 2.00% | 2.00% | |
OR, Fixed amount - min | 0 | 0 | |
Fixed amount - max | 0 | 0 | |
Reason for variation | N/A | N/A | |
Appears on Repayment Sched? | No | No |
Ins 1 | Ins 2 | ||
---|---|---|---|
Description | Pension Plan (per month) | Loan Insurance | |
% of loan amount - min | 0 | 0.50% | |
% of loan amount - max | 0 | 1.00% | |
OR, Fixed amount - min | 100 | 0 | |
Fixed amount - max | 100 | 0 | |
Reason for variation | N/A | N/A | |
Appears on Repayment Sched? | No | No |
Required for | Some |
Criteria | If loan is payable within 1 month, no retention fund detection |
Is deposit indicated on the repayment schedule? | Yes |
Do borrowers control deposit in their group? |
% loan amount deposited | 2.00% - N/A |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | PHP 100 - N/A |
Conditions on access to deposit | When Leaving |
Minimum interest rate paid | 6.00% |
Maximum interest rate paid | 6.00% |
Interest payment frequency | Annually |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | KHR 300,000 | KHR 600,000 | KHR 1,200,000 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2013-02-20 | 2013-03-07 | 2013-03-19 | ||
Loan Term (Months) | 12.0 months | 11.0 months | 12.0 months | ||
Grace Period (Months) | -0.3 months | 0.2 months | -0.5 months | ||
Total Cost of Credit | KHR 55,900 | KHR 110,700 | KHR 216,800 | ||
True Price by Comp | |||||
Interest price component | 35.9% | 35.3% | 35.3% | ||
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) | 35.9% | 35.3% | 35.3% | ||
Transparency Index | 99 | 100 | 100 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | |||||
---|---|---|---|---|---|---|---|---|---|
Loan Amount | PHP 3,000 | PHP 8,000 | PHP 15,000 | PHP 30,000 | PHP 60,000 | ||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
Disbursement Date | 2011-08-16 | 2011-07-18 | 2011-07-08 | 2011-07-28 | 2011-07-08 | ||||
Loan Term (Months) | 3.0 months | 8.0 months | 3.3 months | 3.3 months | 3.3 months | ||||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | ||||
Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
True Price by Comp | |||||||||
Interest and Fee Component | 57.9% | 48.1% | 66.6% | 95.4% | 76.1% | ||||
Insurance Component | 103.0% | 52.9% | 24.2% | 15.7% | 9.1% | ||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Deposit Component | 14.9% | 13.4% | 4.9% | 5.4% | 3.7% | ||||
Full APR (int fee ins tax dep) | 175.8% | 114.4% | 95.7% | 116.6% | 88.9% | ||||
Transparency Index | 14 | 21 | 25 | 21 | 27 | ||||
Original Repayment Schedule | |||||||||
MFT Pricing Calculation |
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 |
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