Please note that the information you are viewing is 140 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

VisionFund Cambodia #20, Street 71, Sangkat Tonle Basac,Chamkar Morn DistrictPhnom PenhPO Box 479
Data approved: 2013-04-04
Data version: 3
Age of data: 140 months

Product

Small Business Loan - Community Bank - KHR Product 13 of 21 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 7,248,918,200
Portfolio (USD)USD 1,835,169.17
Active Clients with Loans13,807
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Small Business Loan refers to any loan used for businesses or income generating activities that earn income on daily, weekly, fortnightly, or monthly basis e.g. greengrocer's, grocer's, Chinese noodle eatery, coffee shop, food shop, etc.
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 visits
Business trainingx
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
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 institution20
# Regions for this product20
Regions ActiveBanteay 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

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 80,000
Maximum loan size1,400,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,00060%
KHR 1,000,000-3,500,00040%
KHR 3,500,000-6,000,0000
KHR 6,000,000-8,000,0000
KHR 8,000,000-10,000,0000
Greater than KHR 10,000,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average10.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months10%
Between 10 and 12 months90%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period1.0 month
Repayment Frequency
Daily
Weekly
Every 2 weeks
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 interest2.95%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesBranch, Client Risk
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
Financial education is part of our services to clients. Funeral benefits for clients, spouse, and children are also included as part of the insurance benefit, but we do not charge any additional fee/premium from them, other than interest on loan.

Full Pricing Data

Small Business Loan - Community Bank - KHR samples
Sample 1Sample 2Sample 3
Loan AmountKHR 200,000KHR 500,000KHR 1,200,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-03-072013-02-152013-03-15
Loan Term (Months)11.0 months11.0 months12.0 months
Grace Period (Months)0.4 months-0.4 months-0.2 months
Total Cost of CreditKHR 36,100KHR 83,300KHR 225,100
True Price by Comp     
Interest price component35.3%35.9%35.3%
Fee Component0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)35.3%35.9%35.3%
Transparency Index10099100
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Small Business Loan - Community Bank - KHR Price Graphs


Please note that the information you are viewing is 160 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Tulay sa Pag-unlad, Inc. 2363 Antipolo St.Makati1212
Data approved: 2011-11-15
Data version: 1
Age of data: 160 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.tspi.org/
Year established1981
Head of InstitutionEduardo A. Mendoza
Regions active
# Branches183

Total Portfolio (nat'l)PhP 1,468,869,386
Total Portfolio (USD)USD 35,140,415.93
Active clients with loans287,169
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliationsAlliance of Philippine Partners in Enterprise Development (APPEND), Microfinance Council of the Philippines, Inc. (MCPI)
FundersOpportunity International Australia

Loan Products » Summary

3,816 Borrowers
USD 154,906.64 Portfolio
Active Product
5,591 Borrowers
USD 2,154,813.79 Portfolio
Active Product
10,443 Borrowers
USD 2,139,434.91 Portfolio
Active Product
423 Borrowers
USD 6,616.03 Portfolio
Active Product
241,797 Borrowers
USD 25,276,997.20 Portfolio
Active Product
92 Borrowers
USD 102,264.75 Portfolio
Active Product
2,402 Borrowers
USD 1,455,066.09 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Educational Loan Assistance Program PHP 1 - 10,000 3 - 6 80% - 100% 40% - 60% Education Women, Men, TKP clients with school-age children Group Mtgs
Housing and Sanitation Loan Program PHP 15,000 - 100,000 18 - 60 80% - 100% 80% - 100% Housing, Sanitation Women, Men, Have business, Must have proof of right to construct house Credit Ins
Livestock Loan PHP 10,000 - 10,000 4.1 80% - 100% 40% - 60% Business, Purchase of livestock Women, Men, Must be a member of TSPI Kabuhayan Program Group Mtgs
PhilHealth Loan PHP 300 - 1,200 6 80% - 100% 40% - 60% Other, Health Insurance Women, Men, Have business, TKP Group member Business Training
TSPI Kabuhayan Program PHP 4,000 - 50,000 6 80% - 100% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
TSPI Maunlad Program PHP 30,000 - 150,000 6 - 24 80% - 100% 80% - 100% Business Women, Men, Have business, Must have colateral or a co-borrower Credit Ins, Business Training
TSPI Palayan Program PHP 20,000 - 35,000 3 - 5 0% - 20% 0% - 20% Business, Agriculture, Rice Farmers Women, Men, Land tenants with at least 5 years of farming experience, Has access to irrigation Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Educational Loan Assistance Program 12.0% annual, Flat 0 Fees 1 Ins None N/A 24.6% - 24.7% 24.6% - 24.7% 49
Housing and Sanitation Loan Program 14.4%-18.0% annual, Flat 1 Fee 2 Ins None N/A 35.3% - 40.6% 36.7% - 45.6% 37
Livestock Loan 36.0% annual, Flat 0 Fees 1 Ins None 5.0% upfront 36.2% 37.9% 95
PhilHealth Loan 12.0% annual, Flat 0 Fees 0 Ins None N/A 23.7% 23.7% 51
TSPI Kabuhayan Program 36.0% annual, Flat 1 Fee 1 Ins None 5.0% upfront 40.00 ongoing 68.6% - 68.7% 87% - 93.7% 39
TSPI Maunlad Program 28.8%-36.0% annual, Flat 1 Fee 2 Ins None 10.0% upfront 100.00 ongoing 47.2% - 69.4% 65.1% - 89.7% 35
TSPI Palayan Program 36.0% annual, Flat 0 Fees 2 Ins None 5.0% upfront 200.00 ongoing 26.6% - 32.1% 42.7% - 48.5% 80
Institution Price Graph
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Key Statistics
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# 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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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