- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
AGFS	200	47,000	2	157
Ahantaman RB	23,800	9,896,000	4	139
APED	13,700	1,876,000	2	139
ASA Initiative	4,400	577,000	4	139
ASA-Ghana	71,600	18,385,000	2	139
ASPI	800	88,000	6	139
Atwima Kwanwoma	3,800	1,788,000	2	139
Baobab	5,100	967,000	2	139
BestFUND	13,000	4,172,000	3	139
Bonzali Rural	10,400	1,691,000	4	157
CashPhase	83	135,000	2	139
CASUD	1,100	524,000	1	139
CEDEF	500	54,000	4	139
CFF	100	13,000	1	139
CRAN	3,600	1,019,000	2	139
DQF	1,700	63,000	2	139
EASL	9,200	11,409,000	6	139
East Mamprusi	12,500	2,268,000	4	139
ELDA	0	0	0	139
EMPRETEC Ghana	200	56,000	2	139
FASL	13,500	14,047,000	8	139
Grameen Ghana	9,500	507,000	3	139
ID-Ghana	5,600	953,000	3	139
Innovative Finance	2,700	354,000	3	139
Kraban Support	7,700	781,000	5	157
KRB	4,000	6,350,000	3	139
Lower Pra RB	34,000	6,316,000	3	157
Maata-N-Tudu	12,000	941,000	4	139
Mail Finance	300	288,000	1	139
Markaz	0	0	0	139
Markaz Al Bishara	100	17,000	1	139
MicrofinPlus Gh	1,100	251,000	2	139
Nwabiagya RB	4,000	2,265,000	3	139
OISL	62,000	27,232,000	9	139
Pro Credit	0	0	0	139
Rich Step	100	101,000	1	139
SAT	147,600	29,359,000	4	139
Sekam Trust	600	137,000	2	139
Simli Pong	8,900	463,000	3	157
SS Ghana	200	35,000	1	139
TCCU	100	32,000	3	139
The Bridge	400	32,000	3	157
Union RB	3,800	2,361,000	4	139

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

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Product

Individual Loan (THB) Product 5 of 15 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (THB)	THB 23,366,209
Portfolio (USD)	USD 792,074.88
Active Clients with Loans	755
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	0% - 20%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

The Individual Loan Product (ILP) is for individual entrepreneurs that require bigger loan size for additional working capital or acquisition of fixed assets. Target clients are those that have small or medium size businesses requiring loans.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services	x

Eligibility

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)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	13
# Regions for this product	2
Regions Active	Banteay Meanchey, Battambang

Loan Conditions

Loan Amount

Currency	THB
Minimum loan size	THB 8,000
Maximum loan size	200,000

Distribution at Disbursement (Est.)

Loans less than THB 10,000	5%
THB 10,000-30,000	40%
THB 30,000-50,000	20%
THB 50,000-70,000	20%
THB 70,000-90,000	5%
Greater than THB 90,000	5%

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	24.0 months
Approx average	18.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	0
Between 7 and 9 months	0
Between 10 and 12 months	30%
Between 13 and 18 months	50%
Longer than 18 months	20%

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks	x
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	2.50%
Highest quoted nominal interest	3.50%
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	Decl Bal
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Credit Bureau Cambodia - CBC Fee
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	5.97
Fixed amount - max	92
Reason for variation	Charge 800 KHR/5.97 THB for loan size <= 2,000,000 KHR or equivalent, and charge 12,000 KHR/92.30 for loan over 2,000,000 KHR
Appears on Repayment Sched?	Yes

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 for	Never
Criteria	N/A
Is deposit indicated on the repayment schedule?	N/A
Do borrowers control deposit in their group?	N/A

Deposit BEFORE or AT Disbursement

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Individual Loan (THB) samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5	Sample 6
Loan Amount	THB 11,000	THB 20,000	THB 40,000	THB 65,000	THB 80,000	THB 100,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2013-02-22	2013-01-23	2013-02-15	2013-02-13	2013-02-15	2013-02-11
Loan Term (Months)	13.0 months	12.0 months	19.0 months	13.0 months	25.0 months	18.0 months
Grace Period (Months)	0.4 months	0.0 months	0.6 months	0.6 months	0.2 months	0.0 months
Total Cost of Credit	THB 2,152.97	THB 3,774.30	THB 11,518.30	THB 11,783.30	THB 25,822.30	THB 24,215.30
True Price by Comp
Interest price component	33.6%	33.7%	33.6%	30.0%	30.1%	30.1%
Fee Component	0.1%	0.9%	0.3%	0.3%	0.1%	0.1%
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)	33.7%	34.6%	33.9%	30.3%	30.2%	30.2%
Transparency Index	89	87	88	99	99	99

Original Repayment Schedule	PDF	PDF	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF	PDF	PDF

Individual Loan (THB) Price Graphs

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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

	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 ∞

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Full Pricing Data

Individual Loan (THB) samples

Individual Loan (THB) Price Graphs

Total Borrowers of Samples

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