2. EASL
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

EB ACCION Savings and Loans Ltd No. 4 Nortei Ababio Street Roman RidgePMB CT 127, CantonmentsAccra, Greater Accra
Data approved: 2013-07-31
Data version: 1
Age of data: 139 months

Product

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Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 7,020,472.84
Portfolio (USD)USD 3,563,691.80
Active Clients with Loans2,755
Approximate % Female Clients60% - 80%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Flexible financing for the growth of your business. Minimum 6 months business experience. 10% interest payback when cash installments are on time.
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 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 land
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 institution3
# Regions for this product3
Regions ActiveGreater Accra Region, Ashanti Region, Brong Ahafo Region

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 3,000
Maximum loan size15,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,0000
GHS 1,000-5,00090%
GHS 5,000-7,50010%
GHS 7,500-10,0000
GHS 10,000-13,0000
Greater than GHS 13,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average10.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months10%
Between 7 and 9 months50%
Between 10 and 12 months40%
Between 13 and 18 months0
Longer than 18 months0
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 interest3.75%
Highest quoted nominal interest3.75%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min1.50%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationFee increased from 1.5% to 2.0% in March 2013.
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min0.55%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationFee increased from 0.55% to 1.0% in July 2013.
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forSome
CriteriaRequired only if physical collateral provided is not sufficient.
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited0 - 20.00%
or, Fixed-amount deposited0
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

Adwuma Pa samples
Sample 2Sample 3Sample 4
Loan AmountGHS 6,000GHS 8,000GHS 13,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-06-102013-06-032013-06-28
Loan Term (Months)12.0 months12.0 months24.0 months
Grace Period (Months)0.0 months0.0 months0.3 months
Total Cost of CreditGHS 2,860GHS 3,283GHS 10,322.50
True Price by Comp     
Interest price component72.4%62.8%59.0%
Fee Component4.2%4.1%2.3%
Insurance Component1.1%1.2%0.7%
Tax Component0.3%0.2%0.0%
Deposit Component0.0%0.0%12.2%
Full APR (int fee ins tax dep)78.0%68.3%74.2%
Transparency Index586661
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Adwuma Pa Price Graphs


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  2. TPC
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

Thaneakea Phum Cambodia Ltd. #94, Street 360, Sangkat Boeng Kengkang IIIKhan ChamkrmonPhnom Penh, Cambodia
Data approved: 2013-03-21
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.tpc.com.kh/
Year established2002
Head of InstitutionMrs. Nurhayrah Sadava
Regions activeBanteay Meanchey, Battambang, Kampong Cham, Kampong Speu, Kampot, KandalKratié, Oddar Meancheay, Phnom Penh, Prey VengSiem Reap, Svay Rieng, Takéo
# Branches39

Total Portfolio (nat'l)KHR 208,030,000,000
Total Portfolio (USD)USD 52,665,822.78
Active clients with loans122,012
Approximate % female clients60% - 80%
Approximate % urban clients0
Network affiliations
FundersDeveloping World Market (DWM)

Loan Products » Summary

Indiv (KHR)
5,675 Borrowers
USD 2,859,555.57 Portfolio
Active Product
Indiv (USD)
11,133 Borrowers
USD 12,043,949.70 Portfolio
Active Product
Ind Seas KHR
2,034 Borrowers
USD 1,443,381.92 Portfolio
Active Product
Ind Seas USD
2,187 Borrowers
USD 3,193,174.67 Portfolio
Active Product
Indiv (THB)
755 Borrowers
USD 792,074.88 Portfolio
Active Product
Seasonal THB
493 Borrowers
USD 720,261.97 Portfolio
Active Product
SGL (THB)
1,801 Borrowers
USD 601,714.81 Portfolio
Active Product
SGL (KHR)
19,944 Borrowers
USD 4,621,988.23 Portfolio
Active Product
TPL (KHR)
67,527 Borrowers
USD 16,339,834.38 Portfolio
Active Product
TPL (THB)
6,977 Borrowers
USD 2,404,901.97 Portfolio
Active Product
TPL (USD)
121 Borrowers
USD 31,767 Portfolio
Active Product
SGL (USD)
1,025 Borrowers
USD 300,602 Portfolio
Active Product
HIL (USD)
404 Borrowers
USD 577,938 Portfolio
Active Product
Solidarity Group Loan (SGL) Seasonal Loan
Retired Product
TP Loan Fixed Installment (KHR)
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Individual Loan (KHR) KHR 800,000 - 20,000,000 3 - 24 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land
Individual Loan (USD) USD 200 - 5,000 3 - 24 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land
Individual Loan - Seasonal (KHR) KHR 800,000 - 20,000,000 3 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land
Individual Loan - Seasonal (USD) USD 200 - 5,000 3 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land
Individual Loan (THB) THB 8,000 - 200,000 3 - 24 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land
Individual Loan - Seasonal (THB) THB 8,000 - 200,000 3 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land
Solidarity Group Loan (THB) THB 2,000 - 20,000 3 - 18 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land Group Mtgs
Solidarity Group Loan (KHR) KHR 200,000 - 2,000,000 3 - 18 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land Group Mtgs
TP Loan End of Cycle (KHR) KHR 100,000 - 1,800,000 3 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land Group Mtgs
TP Loan End of Cycle (THB) THB 1,000 - 18,000 3 - 12 0% 0% Business Women, Men, Have business, Have home or land Group Mtgs
TP Loan End Of Cycle (USD) USD 25 - 450 3 - 12 80% - 100% 0% - 20% Business Women, Men, Have business
Solidarity Group Loan (USD) USD 50 - 500 3 - 18 80% - 100% 0% - 20% Business Women, Men, Have business
Home Improvement Loan (USD) USD 150 - 5,000 3 - 48 80% - 100% 0% - 20% Business Women, Men, Have business

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Individual Loan (KHR) 30.0%-42.0% annual, Decl Bal 1 Fee 0 Ins None N/A 30.2% - 36.4% 30.2% - 36.4% 90
Individual Loan (USD) 21.6%-30.0% annual, Decl Bal 1 Fee 0 Ins None N/A 21.8% - 31.1% 21.8% - 31.1% 81
Individual Loan - Seasonal (KHR) 30.0%-42.0% annual, Decl Bal 1 Fee 0 Ins None N/A 32% - 36.7% 32% - 36.7% 87
Individual Loan - Seasonal (USD) 24.0%-36.0% annual, Decl Bal 1 Fee 0 Ins None N/A 24.3% - 30.6% 24.3% - 30.6% 89
Individual Loan (THB) 30.0%-42.0% annual, Decl Bal 1 Fee 0 Ins None N/A 30.2% - 34.6% 30.2% - 34.6% 93
Individual Loan - Seasonal (THB) 30.0%-42.0% annual, Decl Bal 1 Fee 0 Ins None N/A 33% - 36.5% 33% - 36.5% 87
Solidarity Group Loan (THB) 32.4%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 33.6% - 34% 33.6% - 34% 95
Solidarity Group Loan (KHR) 32.4%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 34.9% - 35.1% 34.9% - 35.1% 92
TP Loan End of Cycle (KHR) 32.4%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 36% 36% 90
TP Loan End of Cycle (THB) 32.4%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 33.6% - 33.7% 33.6% - 33.7% 96
TP Loan End Of Cycle (USD) 32.4%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 36% - 37.1% 36% - 37.1% 89
Solidarity Group Loan (USD) 32.4%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 35.9% - 36% 35.9% - 36% 90
Home Improvement Loan (USD) 21.6%-30.0% annual, Decl Bal 1 Fee 0 Ins None N/A 21.8% - 31.7% 21.8% - 31.7% 87
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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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