2. Arth
Please note that the information you are viewing is 172 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Seilanithih
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

Arth Microfinance Pvt Ltd A-11,Mahaveer udyan pathBajaj NagarJaipur, Rajasthan302015
Data approved: 2010-10-25
Data version: 1
Age of data: 172 months

Institution

Seilanithih Limted No. 35, St. 360Sangkat Boeung Keng Kang IKhan Chamkarmorn, Phnom Penh
Data approved: 2013-04-02
Data version: 3
Age of data: 139 months
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Product

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Product

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Product Summary

Number borrowers2,758
Loan Amount (range)INR 10,000 - 16,000
Loan Term (range)12
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Business Training
Annual Interest & Method15.0% annual, Flat
Fees2.00% upfront
Insurance2.00% upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component31.7% (Int+Fee)
Insurance Component3.2% - 4.2%
Tax Component Range0
Full APR (int fee ins tax dep)35.9%
Transparency Index (min/max)0 - N/A
Transparency Index (average)42

Product Summary

7,352
KHR 400,000 - 20,000,000
1 - 12
30.0%-36.0% annual, Decl Bal
None
None
None
3.0% upfront
 
27.1% - 36.0%
0
0
0
31.0% - 37.1%
81 - 105
85

Product Details

Key Statistics
Outstanding portfolio (INR)INR 27,025,420
Portfolio (USD)USD 509,913.58
Active Clients with Loans2,758
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Sahyog product use for 1st and second cycle loan. These loans give for income generating sources.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Household income <60,000 INR
Household income <120,000 INR
Must live in rural area
Must lives in urban area
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 12,616,520,700
Portfolio (USD)USD 3,194,055.87
Active Clients with Loans7,352
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This loan is provided for individual people for the business purpose. It can be use for business, service, handicraft and agriculture.
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 insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
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 institution7
# Regions for this product7
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kandal, Phnom Penh, PursatSiem Reap

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 10,000
Maximum loan size16,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period0.4 months
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 400,000
Maximum loan size20,000,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,0005%
KHR 1,000,000-3,500,00015%
KHR 3,500,000-6,000,00020%
KHR 6,000,000-8,000,00030%
KHR 8,000,000-10,000,00010%
Greater than KHR 10,000,00010%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term12.0 months
Approx average11.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less10%
Between 4 and 6 months10%
Between 7 and 9 months10%
Between 10 and 12 months70%
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 interest15.00%
Highest quoted nominal interest15.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/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 depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest2.50%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited3.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid6.00%
Maximum interest rate paid6.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Full Pricing Data

Shahyog samples
Sample 1Sample 2Sample 3
Loan AmountINR 10,000INR 10,000INR 16,000
Loan Cycle (1, 2, 3, etc)112
Disbursement Date2010-05-182010-05-182010-06-29
Loan Term (Months)11.9 months11.9 months11.9 months
Grace Period (Months)1.0 month1.0 month1.0 month
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component31.7%31.7%31.7%
Insurance Component4.2%4.2%4.2%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)35.9%35.9%35.9%
MFIN MFI Earning (Annualised)31.7%31.7%31.7%
MFIN Cost to Borrower (Annualised)35.9%35.9%35.9%
Transparency Index424242
MFIN Transparency IndexN/AN/AN/A
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula

Full Pricing Data

Individual Loan (KHR) samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountKHR 500,000KHR 1,200,000KHR 2,500,000KHR 4,500,000KHR 7,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-01-102012-03-302013-03-292012-11-192012-06-13
Loan Term (Months)12.0 months12.0 months10.0 months12.0 months12.0 months
Grace Period (Months)11.3 months11.3 months9.5 months11.0 months11.1 months
Total Cost of CreditKHR 184,000KHR 442,800KHR 785,000KHR 1,489,200KHR 2,111,500
True Price by Comp         
Interest price component36.0%36.0%36.0%33.0%30.0%
Fee Component0.0%0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component1.1%1.1%1.1%1.1%1.0%
Full APR (int fee ins tax dep)37.1%37.1%37.1%34.1%31.0%
Transparency Index8181818897
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Shahyog Price Graphs


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Individual Loan (KHR) 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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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X Axis
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Total Borrrowers of Samples
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By Country

Total Borrowers of Samples

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