2. Bonzali Rural
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

Institution

Bonzali Rural Bank KumbunguNorthern RegionPO Box 1197
Data approved: 2011-12-07
Data version: 1
Age of data: 157 months

Product

Commercial Loan Product 3 of 4 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 767,636
Portfolio (USD)USD 389,662.94
Active Clients with Loans400
Approximate % Female Clients80% - 100%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This is the business loan taken by clients who want to up-grade their businesses
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 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

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 500
Maximum loan size3,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average10.0 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

Pricing Information

Interest
Lowest quoted nominal interest30.00%
Highest quoted nominal interest30.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCommitment Fee
% of loan amount - min5.00%
% of loan amount - max5.00%
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?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount depositedGHS 10
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid6.00%
Maximum interest rate paid6.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Full Pricing Data

Commercial Loan samples
Sample 1Sample 2Sample 3
Loan AmountGHS 1,000GHS 2,000GHS 3,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2010-10-302011-04-132011-06-06
Loan Term (Months)3.0 months6.0 months6.0 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 Component206.6%68.7%68.4%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component5.7%2.0%1.3%
Full APR (int fee ins tax dep)212.3%70.7%69.7%
Transparency Index144243
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Commercial Loan Price Graphs


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  2. KREDIT
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

KREDIT Microfinance Institution Plc. #17, Street 163ChamkarmornPhnom Penh
Data approved: 2013-04-23
Data version: 3
Age of data: 139 months
Choose version

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.kredit.com.kh
Year established2000
Head of InstitutionChan Mach
Regions activeBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampot, KandalKratié, Phnom Penh, Prey VengSiem Reap, Takéo
# Branches51

Total Portfolio (nat'l)KHR 239,343,000,000
Total Portfolio (USD)USD 60,593,164.56
Active clients with loans62,626
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations
Funders

Loan Products » Summary

IDR-AGR-KHR
8,084 Borrowers
USD 5,156,516.59 Portfolio
Active Product
ID-AGR-USD
2,624 Borrowers
USD 4,637,246.14 Portfolio
Active Product
ID-KHR
7,339 Borrowers
USD 3,065,231.29 Portfolio
Active Product
ID-USD
24,845 Borrowers
USD 42,321,723.05 Portfolio
Active Product
SG-AGR-KHR
245 Borrowers
USD 51,622.01 Portfolio
Active Product
SG-KHR
180 Borrowers
USD 21,243.63 Portfolio
Active Product
VSU-KHR
18,454 Borrowers
USD 3,950,090.79 Portfolio
Active Product
SG-USD
35 Borrowers
USD 3,011 Portfolio
Low Volume Product
SME-USD
6 Borrowers
USD 112,957.75 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
ID-AGR-KHR KHR 100,000 - 20,000,000 4 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land
ID-AGR-USD USD 100 - 5,000 4 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land
ID-KHR KHR 200,000 - 40,000,000 4 - 36 80% - 100% 0% - 20% Business, Housing, Consumer Women, Men, Have business, Have home or land
ID-USD USD 100 - 20,000 4 - 36 80% - 100% 0% - 20% Business, Housing, Consumer Women, Men, Have business, Have home or land
SG-AGR-KHR KHR 100,000 - 1,200,000 4 - 12 80% - 100% 0% - 20% Business, Housing, Consumer Women, Men, Have business, Have home or land Group Mtgs
SG-KHR KHR 100,000 - 1,200,000 4 - 12 80% - 100% 0% - 20% Business, Housing, Consumer Women, Men, Have business, Have home or land Group Mtgs
VSU-KHR KHR 50,000 - 1,200,000 4 - 12 80% - 100% 0% - 20% Any Purpose Women, Men Credit Educ, Group Mtgs, Tech Asst Visits, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
ID-AGR-KHR 27.0%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 25.6% - 36% 25.6% - 36% 86
ID-AGR-USD 21.0%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 22.9% - 31.8% 22.9% - 31.8% 74
ID-KHR 24.0%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 27.7% - 36.8% 27.7% - 36.8% 72
ID-USD 19.8%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 21.8% - 30.7% 21.8% - 30.7% 73
SG-AGR-KHR 36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 36% 36% 100
SG-KHR 36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 36% 36% 100
VSU-KHR 34.2% annual, Decl Bal 0 Fees 0 Ins None N/A 32% - 32.2% 32% - 32.2% 100
Institution Price Graph
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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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