2. AGFS
Please note that the information you are viewing is 157 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. AMK
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

African Gate Financial Support Hse No.118/1 Bekwai Rd,near Old John Sarbah Rd, Market Circle,Takoradi, Western Region233
Data approved: 2011-12-07
Data version: 1
Age of data: 157 months

Institution

Angkor Microheranhvatho Kampuchea # 442, St. 193, Toul Svayprey 1ChamkarmornPhnom Penh, CambodiaPO Box 855
Data approved: 2013-04-26
Data version: 4
Age of data: 139 months
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Product

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Product

Emergency Loan (THB) Product 4 of 16 « Prev | Next »

Product Summary

Number borrowers181
Loan Amount (range)GHS 100 - 5,000
Loan Term (range)1 - 6
Other Services (text summary)Group Mtgs, Business Training
Annual Interest & Method72.00%-88.20% annual, Flat
Fees4.00% upfront
InsuranceNone
TaxNone
Comp Dep20.00%- upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component168.1% - 207.8% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)242.2% - 311.7%
Transparency Index (min/max)0 - N/A
Transparency Index (average)25

Product Summary

107
THB 500 - 4,000
1 - 10
Credit Educ, Group Mtgs, Credit Ins
30.0% annual, Decl Bal
None
None
None
N/A
 
27.1% - 36.0%
0 - 1.8%
0
0
29.9% - 30.1%
74 - 106
100

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 35,000
Portfolio (USD)USD 17,766.50
Active Clients with Loans181
Approximate % Female Clients80% - 100%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Loan provided to a group of people, mostly women.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visits
Business trainingx
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
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveWestern Region

Product Details

Key Statistics
Outstanding portfolio (THB)THB 377,538
Portfolio (USD)USD 12,797.90
Active Clients with Loans107
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Emergency Loan (THB) is for clients AMK who face an emergency in their familly (accident, sickness, surgery, etc.) and need to hospital in emergency.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household financex
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
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 institution24
# Regions for this product24
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Mondulkiri , Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 100
Maximum loan size5,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term6.0 months
Approx average3.0 months
Grace Period
Grace period usage0
Average grace period0
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

Loan Conditions

Loan Amount
CurrencyTHB
Minimum loan sizeTHB 500
Maximum loan size4,000
Distribution at Disbursement (Est.)
Loans less than THB 10,000100%
THB 10,000-30,0000
THB 30,000-50,0000
THB 50,000-70,0000
THB 70,000-90,0000
Greater than THB 90,0000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term10.0 months
Approx average5.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months10%
Between 10 and 12 months80%
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 payments

Pricing Information

Interest
Lowest quoted nominal interest6.00%
Highest quoted nominal interest7.35%
Reason(s) why interest rate variesTime as Client, Client Risk, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionAdministration Fee
% of loan amount - min4.00%
% of loan amount - max4.00%
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00% - N/A
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to deposit
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
Our licence does not allow us to take savings. The money we ask group to save if to check how they organize themselves and if they are ready for the loan, it is more a collateral.

Pricing Information

Interest
Lowest quoted nominal interest2.50%
Highest quoted nominal interest2.50%
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

Full Pricing Data

Group Loan samples
Sample 1Sample 2Sample 3
Loan AmountGHS 700GHS 1,400GHS 3,200
Loan Cycle (1, 2, 3, etc)Not KnownNot Known3
Disbursement Date2011-04-052011-04-202011-02-11
Loan Term (Months)2.1 months2.1 months3.0 months
Grace Period (Months)1.0 month1.0 month0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component207.8%168.1%195.7%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component103.9%74.1%96.6%
Full APR (int fee ins tax dep)311.7%242.2%292.3%
Transparency Index233025
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Emergency Loan (THB) samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountTHB 2,000THB 3,000THB 4,000THB 4,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-04-122013-04-232013-03-182013-03-05
Loan Term (Months)9.0 months4.2 months10.0 months2.1 months
Grace Period (Months)8.5 months3.2 months9.1 months1.1 months
Total Cost of CreditTHB 474THB 313THB 1,010THB 207
True Price by Comp       
Interest price component30.1%30.1%29.9%30.1%
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)30.1%30.1%29.9%30.1%
Transparency Index100100100100
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Group Loan Price Graphs


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Emergency Loan (THB) 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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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