2. FMSD
Please note that the information you are viewing is 166 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. TPC
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Fundación Mario Santo Domingo Carrera 45 N° 34-01 Piso 2Barranquilla, Atlántico
Data approved: 2011-08-01
Data version: 1
Age of data: 166 months

Institution

Thaneakea Phum Cambodia Ltd. #94, Street 360, Sangkat Boeng Kengkang IIIKhan ChamkrmonPhnom Penh, Cambodia
Data approved: 2013-03-21
Data version: 3
Age of data: 139 months
Choose version

Product

Capital de Trabajo Product 2 of 6 « Prev | Next »

Product

Individual Loan - Seasonal (THB) Product 6 of 15 « Prev | Next »

Product Summary

Number borrowers5,591
Loan Amount (range)COP 257,500 - 12,875,000
Loan Term (range)12 - 24
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Annual Interest & Method18.0%-29.0% annual, Decl Bal
Fees1.00%-7.50% ongoing 37,120.00 ongoing
Insurance1.35%-3.10% upfront ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component30.2% - 37.4% (Int+Fee)
Insurance Component0 - 7.2%
Tax Component Range0
Full APR (int fee ins tax dep)35.9% - 43.6%
Transparency Index (min/max)0 - N/A
Transparency Index (average)46

Product Summary

493
THB 8,000 - 200,000
3 - 12
30.0%-42.0% annual, Decl Bal
5.97-92.00 upfront
None
None
N/A
 
21.7% - 37.1%
0 - 1.6%
0
0
33.0% - 36.5%
68 - 99
87

Product Details

Key Statistics
Outstanding portfolio (COP)COP 7,892,792,623
Portfolio (USD)USD 4,336,699.24
Active Clients with Loans5,591
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Crédito destinado a financiar los recursos requeridos por la unidad económica para\rla operación de un negocio.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherSolo para Capital de Trabajo
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (THB)THB 21,247,728
Portfolio (USD)USD 720,261.97
Active Clients with Loans493
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Allows the borrower to use loan in their animal raising, storage, fishing, farming and/or agri-businesses activities. Payments can be either Balloon or Semi - Balloon .
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution13
# Regions for this product3
Regions ActiveBanteay Meanchey, Battambang, Oddar Meancheay

Loan Conditions

Loan Amount
CurrencyCOP
Minimum loan sizeCOP 257,500
Maximum loan size12,875,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term24.0 months
Approx average18.0 months
Grace Period
Grace period usage0
Average grace period0
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
CurrencyTHB
Minimum loan sizeTHB 8,000
Maximum loan size200,000
Distribution at Disbursement (Est.)
Loans less than THB 10,0005%
THB 10,000-30,00040%
THB 30,000-50,00020%
THB 50,000-70,00020%
THB 70,000-90,0005%
Greater than THB 90,0005%
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 months5%
Between 7 and 9 months5%
Between 10 and 12 months90%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace periodDK
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 paymentsx

Pricing Information

Interest
Lowest quoted nominal interest18.00%
Highest quoted nominal interest29.00%
Reason(s) why interest rate variesTime as Client, Loan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1Fee 2
DescriptionComisio de microcredito autorizada por el Consejo Superior de la MicroempresaPAPELERIA
% of loan amount - min1.00%0
% of loan amount - max7.50%0
OR, Fixed amount - min037,120
Fixed amount - max037,120
Reason for variationN/AN/A
Appears on Repayment Sched?YesYes
Upfront Insurance Fees
Ins 1
DescriptionGarantia Fondo Nacional de Garantias (cobrado anualmente)
% of loan amount - min1.35%
% of loan amount - max3.10%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
Ins 1
DescriptionSeguro deudores: La prima del seguro de deuda es asumido por la Fundacio para saldos hasta de $10.000.000. La prima sobre saldos superiores a esta suma se liquidan en el plan de pagos a cargo de los deudores.
% of loan amount - min0
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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
La prima del seguro de deuda es asumido por la Fundación para saldos hasta de $1... La prima sobre saldos superiores a esta suma se liquidan en el plan de pagos a cargo de los deudores.

Pricing Information

Interest
Lowest quoted nominal interest2.50%
Highest quoted nominal interest3.50%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCredit Bureau Cambodia - CBC Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min5.97
Fixed amount - max92
Reason for variationCharge 800 KHR/5.97 THB for loan size <= 2,000,000 KHR or equivalent, and charge 12,000 KHR/92.30 THB for loan over 2,000,000 KHR
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?No

Full Pricing Data

Capital de Trabajo samples
Sample 1Sample 2Sample 3
Loan AmountCOP 1,500,000COP 3,200,000COP 10,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-05-062011-05-132011-05-11
Loan Term (Months)18.0 months15.0 months18.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component31.7%37.4%30.2%
Insurance Component5.9%6.1%5.7%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)37.6%43.6%35.9%
Transparency Index484150
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Individual Loan - Seasonal (THB) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountTHB 10,000THB 20,000THB 40,000THB 60,000THB 80,000THB 100,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-282013-02-212013-02-142013-02-082013-02-202013-02-08
Loan Term (Months)13.0 months13.0 months12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)11.8 months11.7 months11.3 months10.9 months11.5 months11.1 months
Total Cost of CreditTHB 3,594.97THB 7,732.30THB 14,812.30THB 19,782.30THB 27,437.97THB 33,278.30
True Price by Comp           
Interest price component33.6%35.9%36.0%33.0%33.0%33.0%
Fee Component0.1%0.6%0.2%0.2%0.0%0.1%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)33.7%36.5%36.2%33.2%33.0%33.1%
Transparency Index898283909191
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Capital de Trabajo Price Graphs


Click to view Price Analysis Tool
Individual Loan - Seasonal (THB) Price Graphs


Click to view Price Analysis Tool
Caps / Zoom options
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
Loading...
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

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞