Number borrowers | 632 |
Loan Amount (range) | GHS 80 - 950 |
Loan Term (range) | 3 - 6 |
Other Services (text summary) | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits |
Annual Interest & Method | 24.00%-36.00% annual, Flat |
Fees | None |
Insurance | None |
Tax | None |
Comp Dep | 10.00% upfront |
Range of pricing | |
Interest Price Component | 39.3% - 68.1% |
Fee Component | 0 |
Insurance Component | 0 |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 46.7% - 70.0% |
Transparency Index (min/max) | 34 - 51 |
Transparency Index (average) | 41 |
15,264 |
KHR 200,000 - 20,000,000 |
1 - 30 |
27.6%-42.0% annual, Decl Bal |
0.20% upfront |
None |
None |
N/A |
21.7% - 36.0% |
0.2% - 0.4% |
0 |
0 |
30.3% - 33.5% |
59 - 99 |
89 |
Outstanding portfolio (GHS) | GHS 42,190 |
Portfolio (USD) | USD 21,416.24 |
Active Clients with Loans | 632 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 80% - 100% |
Individual | x |
Solidarity group | x |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | x |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | x |
Workplace visits | x |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 1 |
# Regions for this product | 1 |
Regions Active | Western Region |
Outstanding portfolio (KHR) | KHR 23,394,280,800 |
Portfolio (USD) | USD 5,922,602.73 |
Active Clients with Loans | 15,264 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 60% - 80% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | x |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services | x |
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 | 22 |
# Regions for this product | 22 |
Regions Active | Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh KongKratié, Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo |
Currency | GHS |
Minimum loan size | GHS 80 |
Maximum loan size | GHS 950 |
Loans less than GHS 1,000 | 100% |
GHS 1,000-5,000 | 0 |
GHS 5,000-7,500 | 0 |
GHS 7,500-10,000 | 0 |
GHS 10,000-13,000 | 0 |
Greater than GHS 13,000 | 0 |
Shortest loan term | 3.0 months |
Longest loan term | 6.0 months |
Approx average | 4.5 months |
Loans 3 months or less | 30% |
Between 4 and 6 months | 70% |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 0 |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | x |
Every 2 weeks | x |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Currency | KHR |
Minimum loan size | KHR 200,000 |
Maximum loan size | 20,000,000 |
Loans less than KHR 1,000,000 | 0 |
KHR 1,000,000-3,500,000 | 30% |
KHR 3,500,000-6,000,000 | 30% |
KHR 6,000,000-8,000,000 | 15% |
KHR 8,000,000-10,000,000 | 10% |
Greater than KHR 10,000,000 | 10% |
Shortest loan term | 1.0 month |
Longest loan term | 30.0 months |
Approx average | 15.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 5% |
Between 7 and 9 months | 5% |
Between 10 and 12 months | 90% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
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 |
Lowest quoted nominal interest | 2.00% |
Highest quoted nominal interest | 3.00% |
Reason(s) why interest rate varies | Branch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose |
Interest rate period | Monthly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | Yes |
Do borrowers control deposit in their group? | Yes |
% loan amount deposited | 10.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | Access During |
Minimum interest rate paid | 0 |
Maximum interest rate paid | 0 |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Lowest quoted nominal interest | 2.30% |
Highest quoted nominal interest | 3.50% |
Reason(s) why interest rate varies | Time as Client, Loan Size, Client Risk, Loan Purpose |
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 | Upfront fee |
% of loan amount - min | 0.20% |
% of loan amount - max | 0.20% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | Fee charged are based on loan size. |
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 | Sample 4 | ||||
---|---|---|---|---|---|---|---|
Loan Amount | GHS 299 | GHS 375 | GHS 720 | GHS 780 | |||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
Disbursement Date | 2013-04-15 | 2012-12-21 | 2013-03-07 | 2013-02-10 | |||
Loan Term (Months) | 6.0 months | 6.0 months | 6.0 months | 6.0 months | |||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | -0.1 months | |||
Total Cost of Credit | GHS 35.80 | GHS 45 | GHS 129.60 | GHS 140.40 | |||
True Price by Comp | |||||||
Interest price component | 39.3% | 39.5% | 57.6% | 59.1% | |||
Fee Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Deposit Component | 7.4% | 7.5% | 10.5% | 10.9% | |||
Full APR (int fee ins tax dep) | 46.7% | 47.0% | 68.1% | 70.0% | |||
Transparency Index | 51 | 51 | 35 | 34 | |||
Original Repayment Schedule | |||||||
MFT Pricing Calculation |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | ||||||
---|---|---|---|---|---|---|---|---|---|---|---|
Loan Amount | KHR 300,000 | KHR 600,000 | KHR 1,200,000 | KHR 2,500,000 | KHR 7,200,000 | KHR 12,000,000 | |||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
Disbursement Date | 2013-03-21 | 2013-01-22 | 2013-01-02 | 2013-02-12 | 2013-03-20 | 2013-01-16 | |||||
Loan Term (Months) | 11.0 months | 12.0 months | 10.0 months | 12.0 months | 25.0 months | 24.0 months | |||||
Grace Period (Months) | 0.6 months | -0.2 months | 0.0 months | -0.1 months | 0.5 months | 0.0 months | |||||
Total Cost of Credit | KHR 52,000 | KHR 96,000 | KHR 168,900 | KHR 414,800 | KHR 2,384,500 | KHR 3,813,200 | |||||
True Price by Comp | |||||||||||
Interest price component | 33.1% | 30.1% | 30.1% | 30.0% | 30.0% | 30.1% | |||||
Fee Component | 0.4% | 0.4% | 0.4% | 0.4% | 0.3% | 0.2% | |||||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Full APR (int fee ins tax dep) | 33.5% | 30.5% | 30.5% | 30.4% | 30.3% | 30.3% | |||||
Transparency Index | 82 | 91 | 90 | 91 | 91 | 91 | |||||
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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