Number borrowers | 400 |
Loan Amount (range) | GHS 500 - 3,000 |
Loan Term (range) | 6 - 12 |
Other Services (text summary) | Business Training |
Annual Interest & Method | 30.00% annual, Flat |
Fees | 5.00% upfront |
Insurance | None |
Tax | None |
Comp Dep | 10.00 upfront |
Range of pricing | |
Interest Price Component | N/A |
Fee Component | 68.4% - 206.6% (Int+Fee) |
Insurance Component | 0 |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 69.7% - 212.3% |
Transparency Index (min/max) | 14 - 51 |
Transparency Index (average) | 25 |
733 |
THB 5,000 - 60,000 |
3 - 12 |
Credit Educ, Group Mtgs, Credit Ins |
31.2%-36.0% annual, Decl Bal |
0.50% upfront |
None |
None |
N/A |
27.1% - 36.0% |
0 - 1.8% |
0 |
0 |
30.6% - 34.2% |
74 - 106 |
95 |
Outstanding portfolio (GHS) | GHS 767,636 |
Portfolio (USD) | USD 389,662.94 |
Active Clients with Loans | 400 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 40% - 60% |
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 | |
Workplace visits | |
Business training | x |
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 25,643,330 |
Portfolio (USD) | USD 869,265.42 |
Active Clients with Loans | 733 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
Individual | |
Solidarity group | x |
Village banking | |
Self help group | |
Other |
Any purpose | x |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | Seasonal purpose only |
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 | 1 |
Regions Active | Banteay Meanchey |
Currency | GHS |
Minimum loan size | GHS 500 |
Maximum loan size | 3,000 |
Shortest loan term | 6.0 months |
Longest loan term | 12.0 months |
Approx average | 10.0 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 | THB |
Minimum loan size | THB 5,000 |
Maximum loan size | 60,000 |
Loans less than THB 10,000 | 0 |
THB 10,000-30,000 | 40% |
THB 30,000-50,000 | 30% |
THB 50,000-70,000 | 30% |
THB 70,000-90,000 | 0 |
Greater than THB 90,000 | 0 |
Shortest loan term | 3.0 months |
Longest loan term | 12.0 months |
Approx average | 5.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 100% |
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 | 30.00% |
Highest quoted nominal interest | 30.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Commitment Fee |
% of loan amount - min | 5.00% |
% of loan amount - max | 5.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | |
Appears on Repayment Sched? | No |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | |
Do borrowers control deposit in their group? |
% loan amount deposited | 0 |
or, Fixed-amount deposited | GHS 10 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | End Term |
Minimum interest rate paid | 6.00% |
Maximum interest rate paid | 6.00% |
Interest payment frequency | Annually |
Are taxes charged on this product? | No |
Lowest quoted nominal interest | 2.60% |
Highest quoted nominal interest | 3.00% |
Reason(s) why interest rate varies | Branch, Time as Client, Client Risk |
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 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | GHS 1,000 | GHS 2,000 | GHS 3,000 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2010-10-30 | 2011-04-13 | 2011-06-06 | ||
Loan Term (Months) | 3.0 months | 6.0 months | 6.0 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 | 206.6% | 68.7% | 68.4% | ||
Insurance Component | 0.0% | 0.0% | 0.0% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 5.7% | 2.0% | 1.3% | ||
Full APR (int fee ins tax dep) | 212.3% | 70.7% | 69.7% | ||
Transparency Index | 14 | 42 | 43 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | |||||
---|---|---|---|---|---|---|---|---|---|
Loan Amount | THB 8,000 | THB 10,000 | THB 20,000 | THB 40,000 | THB 60,000 | ||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
Disbursement Date | 2013-04-09 | 2013-03-15 | 2013-02-13 | 2013-02-15 | 2013-03-18 | ||||
Loan Term (Months) | 12.0 months | 12.0 months | 12.0 months | 12.0 months | 12.0 months | ||||
Grace Period (Months) | 11.2 months | 11.3 months | 11.3 months | 10.9 months | 11.2 months | ||||
Total Cost of Credit | THB 2,772 | THB 3,494 | THB 6,760 | THB 12,542 | THB 18,550 | ||||
True Price by Comp | |||||||||
Interest price component | 33.6% | 33.6% | 32.4% | 31.2% | 30.0% | ||||
Fee Component | 0.6% | 0.6% | 0.6% | 0.6% | 0.6% | ||||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Full APR (int fee ins tax dep) | 34.2% | 34.2% | 33.0% | 31.8% | 30.6% | ||||
Transparency Index | 91 | 91 | 95 | 98 | 100 | ||||
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 |
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