Number borrowers | 2,620 |
Loan Amount (range) | GHS 50 - 1,000 |
Loan Term (range) | 9 |
Other Services (text summary) | Credit Educ, Group Mtgs, Credit Ins |
Annual Interest & Method | 36.00% annual, Flat |
Fees | 2 upfront |
Insurance | None |
Tax | None |
Comp Dep | 20.00% upfront |
Range of pricing | |
Interest Price Component | 37.8% - 50.5% |
Fee Component | 0.4% - 5.8% |
Insurance Component | 0 |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 59.3% - 60.5% |
Transparency Index (min/max) | 47 - 80 |
Transparency Index (average) | 60 |
3,102 |
THB 4,000 - 200,000 |
1 - 12 |
Credit Ins |
27.0%-36.0% annual, Decl Bal |
None |
None |
None |
3.0% upfront |
27.1% - 36.0% |
0 |
0 |
0 |
28.7% - 37.1% |
81 - 105 |
88 |
Outstanding portfolio (GHS) | GHS 589,500 |
Portfolio (USD) | USD 299,238.58 |
Active Clients with Loans | 2,620 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
Individual | |
Solidarity group | x |
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 | x |
Group meetings | x |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services |
Men | |
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 | 3 |
# Regions for this product | 3 |
Regions Active | Northern Region, Upper East Region, Upper West Region |
Outstanding portfolio (THB) | THB 78,201,353 |
Portfolio (USD) | USD 2,650,893.32 |
Active Clients with Loans | 3,102 |
Approximate % Female Clients | 60% - 80% |
Approximate % Urban Clients | 0% - 20% |
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 | 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 | x |
Other | |
Other (2) |
# Regions for this institution | 7 |
# Regions for this product | 2 |
Regions Active | Banteay Meanchey, Battambang |
Currency | GHS |
Minimum loan size | GHS 50 |
Maximum loan size | 1,000 |
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 | 9.0 months |
Longest loan term | 9.0 months |
Approx average | 9.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 100% |
Between 10 and 12 months | 0 |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 100% |
Average grace period | 3.0 months |
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 4,000 |
Maximum loan size | 200,000 |
Loans less than THB 10,000 | 5% |
THB 10,000-30,000 | 20% |
THB 30,000-50,000 | 30% |
THB 50,000-70,000 | 30% |
THB 70,000-90,000 | 10% |
Greater than THB 90,000 | 10% |
Shortest loan term | 1.0 month |
Longest loan term | 12.0 months |
Approx average | 11.0 months |
Loans 3 months or less | 10% |
Between 4 and 6 months | 10% |
Between 7 and 9 months | 10% |
Between 10 and 12 months | 70% |
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 | 3.00% |
Highest quoted nominal interest | 3.00% |
Interest rate period | Monthly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Membership dues |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 2 |
Fixed amount - max | 2 |
Reason for variation | 1st cycle loans= 4 GHS. Multiple cycle loans= 2 GHS |
Appears on Repayment Sched? | No |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | No |
Do borrowers control deposit in their group? | No |
% loan amount deposited | 20.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | End Term |
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 | 2.25% |
Highest quoted nominal interest | 3.00% |
Reason(s) why interest rate varies | Loan Size |
Interest rate period | Monthly |
Interest Rate Calculation Method | Decl Bal |
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? | No |
Do borrowers control deposit in their group? | No |
% loan amount deposited | 3.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | Final Pmt |
Minimum interest rate paid | 6.00% |
Maximum interest rate paid | 6.00% |
Interest payment frequency | Monthly |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
---|---|---|---|---|---|---|---|
Loan Amount | GHS 300 | GHS 400 | GHS 850 | GHS 900 | |||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
Disbursement Date | 2013-01-18 | 2013-01-18 | 2013-01-18 | 2013-01-18 | |||
Loan Term (Months) | 9.0 months | 9.0 months | 9.0 months | 9.0 months | |||
Grace Period (Months) | 3.0 months | 3.0 months | 3.0 months | 3.0 months | |||
Total Cost of Credit | GHS 83 | GHS 110 | GHS 231.50 | GHS 245 | |||
True Price by Comp | |||||||
Interest price component | 44.8% | 44.8% | 44.8% | 44.8% | |||
Fee Component | 1.2% | 0.9% | 0.4% | 0.4% | |||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Deposit Component | 14.5% | 14.3% | 14.1% | 14.1% | |||
Full APR (int fee ins tax dep) | 60.5% | 60.0% | 59.3% | 59.3% | |||
Transparency Index | 60 | 60 | 61 | 61 | |||
Original Repayment Schedule | |||||||
MFT Pricing Calculation |
Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | |||||
---|---|---|---|---|---|---|---|---|---|
Loan Amount | THB 10,000 | THB 20,000 | THB 41,000 | THB 55,000 | THB 100,000 | ||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
Disbursement Date | 2013-04-03 | 2013-02-19 | 2012-01-04 | 2013-04-12 | 2013-02-05 | ||||
Loan Term (Months) | 12.0 months | 12.0 months | 18.0 months | 18.0 months | 24.0 months | ||||
Grace Period (Months) | 11.3 months | 10.9 months | 0.1 months | -0.2 months | -0.1 months | ||||
Total Cost of Credit | THB 3,690 | THB 7,120 | THB 9,921 | THB 13,053 | THB 28,365 | ||||
True Price by Comp | |||||||||
Interest price component | 36.0% | 36.0% | 30.0% | 30.1% | 27.1% | ||||
Fee Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
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 | 1.1% | 1.1% | 1.8% | 1.7% | 1.6% | ||||
Full APR (int fee ins tax dep) | 37.1% | 37.1% | 31.8% | 31.8% | 28.7% | ||||
Transparency Index | 81 | 81 | 94 | 94 | 94 | ||||
Original Repayment Schedule | |||||||||
MFT Pricing Calculation |
Key Statistics | |
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# 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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