Number borrowers | 36,297 |
Loan Amount (range) | COP 535,600 - 13,390,000 |
Loan Term (range) | 3 - 48 |
Other Services (text summary) | Credit Educ, Tech Asst Visits, Other Training, Acompañamiento y seguimiento, Educación financiera |
Annual Interest & Method | 29.6% annual, Decl Bal |
Fees | upfront |
Insurance | 2.75% upfront 0.57% ongoing |
Tax | None |
Comp Dep | N/A |
Range of pricing | |
Interest Price Component | N/A |
Fee Component | 39.4% - 41.3% (Int+Fee) |
Insurance Component | 5.5% - 18.3% |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 45.2% - 57.7% |
Transparency Index (min/max) | 51 - 65 |
Transparency Index (average) | 59 |
1,473 |
KHR 1,000,000 - 20,000,000 |
3 - 24 |
30.0%-42.0% annual, Decl Bal |
None |
None |
None |
N/A |
14.3% - 38.4% |
0 |
0 |
0 |
32.0% - 38.4% |
58 - 112 |
86 |
Outstanding portfolio (COP) | COP 93,846,000,000 |
Portfolio (USD) | USD 51,563,736.26 |
Active Clients with Loans | 36,297 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 60% - 80% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | x |
Other | Activos fijos, reforma locativa, insumos |
Other (2) | Gastos operativos del negocio, capital de trabajo |
Credit education | x |
Group meetings | |
Credit insurance | |
Workplace visits | x |
Business training | |
Other training | x |
Other | Acompañamiento y seguimiento |
Other (2) | Educación financiera |
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 | Centrales de Riesgo aprobadas |
Other (2) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Outstanding portfolio (KHR) | KHR 2,676,171,500 |
Portfolio (USD) | USD 677,511.77 |
Active Clients with Loans | 1,473 |
Approximate % Female Clients | 60% - 80% |
Approximate % Urban Clients | 20% - 40% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | |
Mortgage/housing | |
Consumer loan | x |
Agriculture | |
Education | x |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services | x |
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 | |
Other | |
Other (2) |
# Regions for this institution | 18 |
# Regions for this product | 18 |
Regions Active | Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Phnom Penh, Sihanoukville, Pursat, Prey VengSiem Reap, Svay Rieng, Takéo |
Currency | COP |
Minimum loan size | COP 535,600 |
Maximum loan size | 13,390,000 |
Shortest loan term | 3.0 months |
Longest loan term | 48.0 months |
Approx average | 15.0 months |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Currency | KHR |
Minimum loan size | KHR 1,000,000 |
Maximum loan size | 20,000,000 |
Loans less than KHR 1,000,000 | 5% |
KHR 1,000,000-3,500,000 | 30% |
KHR 3,500,000-6,000,000 | 20% |
KHR 6,000,000-8,000,000 | 20% |
KHR 8,000,000-10,000,000 | 10% |
Greater than KHR 10,000,000 | 10% |
Shortest loan term | 3.0 months |
Longest loan term | 24.0 months |
Approx average | 17.0 months |
Loans 3 months or less | 5% |
Between 4 and 6 months | 5% |
Between 7 and 9 months | 20% |
Between 10 and 12 months | 40% |
Between 13 and 18 months | 20% |
Longer than 18 months | 10% |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 29.56% |
Highest quoted nominal interest | 29.56% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Comisio Mipyme |
% of loan amount - min | 0 |
% of loan amount - max | 7.50% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | Yes |
Ins 1 | |
---|---|
Description | Comisio FNG |
% of loan amount - min | 2.75% |
% of loan amount - max | 2.75% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
Ins 1 | |
---|---|
Description | Plan de seuros de Vida - % sobre saldo. |
% of loan amount - min | 0.57% |
% of loan amount - max | 0.57% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | 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 | 2.50% |
Highest quoted nominal interest | 3.50% |
Reason(s) why interest rate varies | Branch, Time as Client, Loan Size |
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 | COP 3,250,000 | COP 6,500,000 | COP 13,300,000 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2011-03-16 | 2011-03-15 | 2011-03-29 | ||
Loan Term (Months) | 18.0 months | 24.0 months | 18.0 months | ||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | ||
Total Cost of Credit | Not Known | Not Known | Not Known | ||
True Price by Comp | |||||
Interest and Fee Component | 39.6% | 39.4% | 41.3% | ||
Insurance Component | 5.6% | 18.3% | 5.5% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 0.0% | 0.0% | 0.0% | ||
Full APR (int fee ins tax dep) | 45.2% | 57.7% | 46.8% | ||
Transparency Index | 65 | 51 | 63 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | ||||||
---|---|---|---|---|---|---|---|---|---|---|---|
Loan Amount | KHR 1,200 | KHR 2,400,000 | KHR 4,000,000 | KHR 6,800,000 | KHR 6,000,000 | KHR 8,000,000 | |||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
Disbursement Date | 2013-03-05 | 2013-02-06 | 2012-12-20 | 2012-12-14 | 2013-02-28 | 2012-02-10 | |||||
Loan Term (Months) | 19.0 months | 18.0 months | 24.0 months | 24.0 months | 25.0 months | 24.0 months | |||||
Grace Period (Months) | 0.6 months | 0.2 months | 0.2 months | 0.0 months | 0.6 months | 0.0 months | |||||
Total Cost of Credit | KHR 392.90 | KHR 697,400 | KHR 1,516,000 | KHR 2,336,800 | KHR 2,319,500 | KHR 2,701,300 | |||||
True Price by Comp | |||||||||||
Interest price component | 38.4% | 35.5% | 35.5% | 32.5% | 35.1% | 32.0% | |||||
Fee Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Full APR (int fee ins tax dep) | 38.4% | 35.5% | 35.5% | 32.5% | 35.1% | 32.0% | |||||
Transparency Index | 78 | 84 | 84 | 92 | 85 | 94 | |||||
Original Repayment Schedule | |||||||||||
MFT Pricing Calculation |
Key Statistics | |
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# 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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