2. VF Cambodia
Please note that the information you are viewing is 141 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. ESAF
Please note that the information you are viewing is 141 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: 141 months
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Institution

ESAF Microfinance & Investments (P) LTD No 5A 5th FloorPurasawalkamChennai, Tamil Nadu600084
Data approved: 2013-01-10
Data version: 3
Age of data: 141 months
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Product

Small Business Loan - Individual - USD Product 14 of 21 « Prev | Next »

Product

Jeevandhara Product 3 of 5 « Prev | Next »

Product Summary

Number borrowers4,288
Loan Amount (range)USD 1,001 - 10,000
Loan Term (range)3 - 30
Other Services (text summary)Credit Educ, Credit Ins, Business Training, Other Training
Annual Interest & Method21.0%-36.0% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component21.5% - 35.9%
Fee Component0
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)21.5% - 30.8%
Transparency Index (min/max)68 - 100
Transparency Index (average)88

Product Summary

1,612
INR 3,000 - 12,000
12 - 24
Credit Educ, Group Mtgs, Tech Asst Visits
22.0% annual, Decl Bal
1.00% upfront
None
12.36% fees
N/A
 
21.5% - 27.9%
1.2% - 2.3%
0
0.1% - 0.3%
24.1% - 25.8%
85 - 94
89

Product Details

Key Statistics
Outstanding portfolio (USD)USD 7,384,240.16
Portfolio (USD)USD 7,384,240.16
Active Clients with Loans4,288
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
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 meetings
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

Product Details

Key Statistics
Outstanding portfolio (INR)INR 5,797,160.55
Portfolio (USD)USD 109,380.39
Active Clients with Loans1,612
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
The water loan is to meet the the cost of obtaining and installing municipal water connection.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherFor installing water connection
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Household income <60,000 INRx
Household income <120,000 INR
Must live in rural area
Must lives in urban area
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution5
# Regions for this product3
Regions ActiveChhattisgarh, Madhya Pradesh, Maharashtra

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 1,001
Maximum loan size10,000
Distribution at Disbursement (Est.)
Loans less than USD 2500
USD 250-1,0000
USD 1,000-1,50010%
USD 1,500-2,00030%
USD 2,000-2,50030%
Greater than USD 2,50030%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term30.0 months
Approx average24.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months5%
Between 13 and 18 months5%
Longer than 18 months90%
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

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 3,000
Maximum loan size12,000
Distribution at Disbursement (Est.)
Loans less than INR 5,00090%
INR 5,000-15,00010%
INR 15,000-25,0000
INR 25,000-35,0000
INR 35,000-45,0000
Greater than INR 45,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term24.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period0.3 months
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
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 interest1.75%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, 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.

Pricing Information

Interest
Lowest quoted nominal interest22.00%
Highest quoted nominal interest22.00%
Reason(s) why interest rate variesLoan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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?Yes
Percentage of fees12.4%
All or some fees taxedAll

Full Pricing Data

Small Business Loan - Individual - USD samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 1,100USD 1,700USD 2,500USD 3,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-03-062013-02-202013-03-122013-02-14
Loan Term (Months)24.0 months24.0 months24.0 months24.0 months
Grace Period (Months)0.2 months-0.3 months0.0 months0.1 months
Total Cost of CreditUSD 348.40USD 396.24USD 574.86USD 681.24
True Price by Comp       
Interest price component30.8%22.7%22.0%21.5%
Fee Component0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)30.8%22.7%22.0%21.5%
Transparency Index68939698
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Jeevandhara samples
Sample 1Sample 2Sample 3
Loan AmountINR 5,000INR 5,000INR 6,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-03-192013-03-192013-02-26
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)-0.1 months-0.1 months0.6 months
Total Cost of CreditINR 556.18INR 556.18INR 856.42
True Price by Comp     
Interest price component21.5%21.5%23.6%
Fee Component2.3%2.3%1.9%
Insurance Component0.0%0.0%0.0%
Tax Component0.3%0.3%0.3%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)24.1%24.1%25.8%
MFIN MFI Earning (Annualised)23.8%23.8%25.5%
MFIN Cost to Borrower (Annualised)24.1%24.1%25.8%
Transparency Index919185
MFIN Transparency Index10010093
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula
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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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