Number borrowers | 1,319 |
Loan Amount (range) | COP 500,000 - 13,390,000 |
Loan Term (range) | 6 - 36 |
Other Services (text summary) | Credit Ins |
Annual Interest & Method | 28.8%-34.0% annual, Decl Bal |
Fees | 18,638.00-37,250.00 upfront 4.50%-7.50% ongoing |
Insurance | 0.50% ongoing |
Tax | None |
Comp Dep | N/A |
Range of pricing | |
Interest Price Component | N/A |
Fee Component | 42.1% - 49.3% (Int+Fee) |
Insurance Component | 0.3% - 1.1% |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 43.0% - 50.2% |
Transparency Index (min/max) | 57 - 73 |
Transparency Index (average) | 62 |
1,837 |
THB 500 - 10,000 |
1 - 12 |
Credit Educ, Group Mtgs, Credit Ins |
33.6% annual, Decl Bal |
0.50% upfront |
None |
None |
N/A |
27.1% - 36.0% |
0 - 1.8% |
0 |
0 |
33.6% - 34.2% |
74 - 106 |
98 |
Outstanding portfolio (COP) | COP 2,731,661,555 |
Portfolio (USD) | USD 1,500,912.94 |
Active Clients with Loans | 1,319 |
Approximate % Female Clients | 20% - 40% |
Approximate % Urban Clients | 0% - 20% |
Individual | x |
Solidarity group | |
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 | |
Group meetings | |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
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 | |
Other (2) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Outstanding portfolio (THB) | THB 12,893,654 |
Portfolio (USD) | USD 437,073.02 |
Active Clients with Loans | 1,837 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
Individual | |
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 | x |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | |
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 | |
Other | |
Other (2) |
# Regions for this institution | 24 |
# Regions for this product | 2 |
Regions Active | Banteay Meanchey, Koh Kong |
Currency | COP |
Minimum loan size | COP 500,000 |
Maximum loan size | 13,390,000 |
Shortest loan term | 6.0 months |
Longest loan term | 36.0 months |
Approx average | 0 |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | x |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Currency | THB |
Minimum loan size | THB 500 |
Maximum loan size | 10,000 |
Loans less than THB 10,000 | 100% |
THB 10,000-30,000 | 0 |
THB 30,000-50,000 | 0 |
THB 50,000-70,000 | 0 |
THB 70,000-90,000 | 0 |
Greater than THB 90,000 | 0 |
Shortest loan term | 1.0 month |
Longest loan term | 12.0 months |
Approx average | 10.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 5% |
Between 7 and 9 months | 5% |
Between 10 and 12 months | 90% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 100% |
Average grace period | DK |
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 | 2.40% |
Highest quoted nominal interest | 2.83% |
Reason(s) why interest rate varies | N/A |
Interest rate period | Monthly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Consulta Centrales de Riesgo |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 18,638 |
Fixed amount - max | 37,250 |
Reason for variation | N/A |
Appears on Repayment Sched? | Yes |
Fee 1 | |
---|---|
Description | Ley Mipymes, Comisiones y Honorarios y Administracio del Credito (See Comments: Annual + IVA) |
% of loan amount - min | 4.50% |
% 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 | Seguro de Vida Requerido |
% of loan amount - min | 0.50% |
% of loan amount - max | 0.50% |
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 | 2.80% |
Highest quoted nominal interest | 2.80% |
Interest rate period | Monthly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Administration Fee |
% of loan amount - min | 0.50% |
% of loan amount - max | 0.50% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
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 | ||
---|---|---|---|
Loan Amount | COP 1,500,000 | COP 3,500,000 | |
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | |
Disbursement Date | 2011-02-09 | 2011-02-11 | |
Loan Term (Months) | 15.0 months | 24.0 months | |
Grace Period (Months) | 0.0 months | 0.0 months | |
Total Cost of Credit | Not Known | Not Known | |
True Price by Comp | |||
Interest and Fee Component | 49.3% | 42.1% | |
Insurance Component | 0.9% | 0.9% | |
Tax Component | 0.0% | 0.0% | |
Deposit Component | 0.0% | 0.0% | |
Full APR (int fee ins tax dep) | 50.2% | 43.0% | |
Transparency Index | 57 | 67 | |
Original Repayment Schedule | |||
MFT Pricing Calculation |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
---|---|---|---|---|---|---|---|
Loan Amount | THB 2,000 | THB 5,000 | THB 10,000 | THB 8,000 | |||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
Disbursement Date | 2013-04-23 | 2013-04-12 | 2013-04-12 | 2013-03-13 | |||
Loan Term (Months) | 12.0 months | 12.0 months | 12.0 months | 13.0 months | |||
Grace Period (Months) | 11.0 months | 11.0 months | 11.1 months | 11.5 months | |||
Total Cost of Credit | THB 681 | THB 1,705 | THB 3,369 | THB 2,846 | |||
True Price by Comp | |||||||
Interest price component | 33.7% | 33.6% | 33.0% | 33.6% | |||
Fee Component | 0.5% | 0.6% | 0.6% | 0.5% | |||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Full APR (int fee ins tax dep) | 34.2% | 34.2% | 33.6% | 34.1% | |||
Transparency Index | 98 | 98 | 100 | 98 | |||
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 |
---|---|---|---|---|---|---|---|
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
N (# of Samples) | ||||||
Total Borrrowers of Samples | ||||||
Avg | ||||||
Min | ||||||
Max | ||||||
Std Dev | ||||||
By Inst Type | ||||||
By Country | ||||||
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
From 0 to | ||||||
to | ||||||
to | ||||||
to ∞ |