| 2,967 |
| USD 1,001 - 10,000 |
| 3 - 30 |
| Credit Educ, Credit Ins, Business Training, Other Training |
| 21.0%-36.0% annual, Decl Bal |
| None |
| None |
| None |
| N/A |
| 21.5% - 35.9% |
| 0 |
| 0 |
| 0 |
| 22.0% - 26.3% |
| 68 - 100 |
| 91 |
| Outstanding portfolio (GHS) | GHS 131,645 |
| Portfolio (USD) | USD 66,824.87 |
| Active Clients with Loans | 27 |
| Approximate % Female Clients | 80% - 100% |
| Approximate % Urban Clients | 80% - 100% |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Men | |
| 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 | 3 |
| # Regions for this product | N/A |
| Regions Active |
| Outstanding portfolio (USD) | USD 4,352,304.56 |
| Portfolio (USD) | USD 4,352,304.56 |
| Active Clients with Loans | 2,967 |
| Approximate % Female Clients | 80% - 100% |
| Approximate % Urban Clients | 0% - 20% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | |
| Mortgage/housing | |
| Consumer loan | x |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | x |
| Group meetings | |
| Credit insurance | x |
| Workplace visits | |
| Business training | x |
| Other training | x |
| 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 | x |
| Must be specific age group | x |
| Other | |
| Other (2) |
| # Regions for this institution | 20 |
| # Regions for this product | 20 |
| 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 VengSiem Reap, Svay Rieng, Takéo |
| Currency | USD |
| Minimum loan size | USD 1,001 |
| Maximum loan size | 10,000 |
| Loans less than USD 250 | 0 |
| USD 250-1,000 | 0 |
| USD 1,000-1,500 | 15% |
| USD 1,500-2,000 | 40% |
| USD 2,000-2,500 | 30% |
| Greater than USD 2,500 | 30% |
| Shortest loan term | 3.0 months |
| Longest loan term | 30.0 months |
| Approx average | 24.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 0 |
| Between 7 and 9 months | 0 |
| Between 10 and 12 months | 5% |
| Between 13 and 18 months | 5% |
| Longer than 18 months | 90% |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | |
| Every 2 weeks | |
| Every 4 weeks | |
| Monthly | x |
| Every 2 months | x |
| Quarterly | x |
| Every 6 months | x |
| Every 12 months | |
| Single end payment | |
| Irregular payments |
| Lowest quoted nominal interest | 1.75% |
| Highest quoted nominal interest | 3.00% |
| Reason(s) why interest rate varies | Branch, Time as Client, Loan Size, 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 |
| 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 | USD 1,200 | USD 1,800 | USD 2,500 | USD 3,000 | |||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
| Disbursement Date | 2013-02-08 | 2013-02-12 | 2013-03-21 | 2013-03-07 | |||
| Loan Term (Months) | 23.0 months | 24.0 months | 24.0 months | 24.0 months | |||
| Grace Period (Months) | 0.1 months | -0.1 months | -0.3 months | 0.2 months | |||
| Total Cost of Credit | USD 316.31 | USD 412.63 | USD 560.99 | USD 692.03 | |||
| True Price by Comp | |||||||
| Interest price component | 26.3% | 22.1% | 22.0% | 22.5% | |||
| 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 | 0.0% | 0.0% | 0.0% | 0.0% | |||
| Full APR (int fee ins tax dep) | 26.3% | 22.1% | 22.0% | 22.5% | |||
| Transparency Index | 80 | 95 | 96 | 93 | |||
| 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 |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| N (# of Samples) | ||||||
| Total Borrrowers of Samples | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
