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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

AMK - Angkor microheranhvatho (Kampuchea) # 442, St. 193, Toul Svayprey 1ChamkarmornPhnom Penh, CambodiaN/A
Data approved: 2010-09-22
Data version: 1
Age of data: -   months 

Product

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Product

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Product Summary

Number borrowers59
Loan Amount (range)COP 515,000 - 10,300,000
Loan Term (range)12 - 60
Other Services (text summary)Credit Educ, Credit Ins
Annual Interest & Method20.0% annual, Decl Bal
Fees7.50% ongoing 37,120.00 ongoing
Insurance1.35%-3.10% upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component30.3% - 31.7% (Int+Fee)
Insurance Component0 - 7.2%
Tax Component Range0
Full APR (int fee ins tax dep)30.3% - 35.9%
Transparency Index (min/max)0 - N/A
Transparency Index (average)61

Product Summary

19,852
KHR 400,000 - 4,000,000
3 - 18
Credit Educ, Other Training
27.6%-36.0% annual, Decl Bal
0.50% upfront
None
None
N/A
 
0
0

Product Details

Key Statistics
Outstanding portfolio (COP)COP 150,406,793
Portfolio (USD)USD 82,641.10
Active Clients with Loans59
Approximate % Female Clients80% - 100%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Créditos destinados a financiar el mejoramiento de vivienda de los microempresarios.\rNo se financiarán acabados suntuosos ya que el crédito de mejoramiento tiene como principal objetivo adecuar la vivienda en condiciones habitables.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
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 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 (KHR)KHR 18,562,250,100
Portfolio (USD)USD 4,640,562.53
Active Clients with Loans19,852
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This product has providing to all clients who needs for installment loan every month by individual and fee charge from clients when loan release only.
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 insurance
Workplace visits
Business training
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyCOP
Minimum loan sizeCOP 515,000
Maximum loan size10,300,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term60.0 months
Approx average0
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
CurrencyKHR
Minimum loan sizeKHR 400,000
Maximum loan size4,000,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term18.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
Grace Period
Grace period usage10%
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

Pricing Information

Interest
Lowest quoted nominal interest20.00%
Highest quoted nominal interest20.00%
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 Microempresa (MIPYME)PAPELERIA (MIPYME)
% of loan amount - min7.50%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 (para algunos prestamos) (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
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

Pricing Information

Interest
Lowest quoted nominal interest2.30%
Highest quoted nominal interest3.00%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
Is rate fixed for entire loan termN/A
Upfront Fees
Fee 1
DescriptionFees charge only one time when loan release to clients (Administrative fee)
% of loan amount - min0.50%
% of loan amount - max0.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
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
This product is seperately that we have charge 3% from clients hwo borrow less than 24 months of loan used and will charge 2.5% for good clients and has 24 and months of loan used. For the grace period 4 month will accept for agriculture loan only.This product loan size is maximum 8,,KHR but the amount range above is real disbursed to clients.

Full Pricing Data

Mejoramiento de vivienda samples
Sample 1Sample 2Sample 3
Loan AmountCOP 3,000,000COP 5,000,000COP 6,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-05-272011-05-272011-06-14
Loan Term (Months)30.0 months48.0 months36.0 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%30.3%30.6%
Insurance Component0.0%0.0%5.3%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)31.7%30.3%35.9%
Transparency Index636656
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

individual Inst ID (KHR) samples
No sample data for this product
Mejoramiento de vivienda Price Graphs


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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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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