2. Asomi
Please note that the information you are viewing is 171 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Chamroeun
Please note that the information you are viewing is 120 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Asomi Finance Private Limited 2nd Floor, Above SBI ATMBharalumukhGuwahati, Assam781009
Data approved: 2010-10-25
Data version: 1
Age of data: 171 months

Institution

Chamroeun Microfinance Limited # 425, St.271, Sangkat Toul Tumpong IIKhan ChamkarmonPhnom penh, Cambodia
Data approved: 2015-01-06
Data version: 4
Age of data: 120 months
Choose version

Product

Entrepreneurship Development Loan Product 1 of 2 « Prev | Next »

Product

Chamroeun Loan Product 1 of 4 « Prev | Next »

Product Summary

Number borrowers1,301
Loan Amount (range)INR 25,000 - 50,000
Loan Term (range)10 - 12
Other Services (text summary)Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Annual Interest & Method16.0% annual, Flat
Fees30.00 upfront
Insurance50.00 upfront
TaxNone
Comp Dep15.0% upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component33.0% (Int+Fee)
Insurance Component0.3% - 0.9%
Tax Component Range0
Full APR (int fee ins tax dep)45.6%
Transparency Index (min/max)35 - 38
Transparency Index (average)35

Product Summary

24,027
KHR 100,000 - 1,600,000
3 - 12
Credit Educ, Tech Asst Visits, Business Training, Other Training, Social training ( health, nutrition, domestic violence, waste management)
42.0% annual, Decl Bal
4,000.00-32,000.00 upfront
None
None
N/A
 
38.4% - 42.4%
3.1% - 15.4%
0
0
45.6% - 52.4%
73 - 94
88

Product Details

Key Statistics
Outstanding portfolio (INR)INR 12,800,000
Portfolio (USD)USD 241,509.43
Active Clients with Loans1,301
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Individual Loan for Entrepreneurship Development
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visitsx
Business trainingx
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 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 12,973,567,100
Portfolio (USD)USD 3,284,447.37
Active Clients with Loans24,027
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Clients are residents or workers from the urban poor community. The interest rate charged on a declining balance. No physical collateral is necessary but the client must prove the support of 1 co-maker.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
OtherSocial training ( health, nutrition, domestic violence, waste management)
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
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 institution15
# Regions for this product15
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, KepKratié, Phnom Penh, Pursat, Prey VengSiem Reap, Takéo

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 25,000
Maximum loan size50,000
Loan Term and Grace Period
Shortest loan term10.0 months
Longest loan term12.0 months
Approx average0
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 usage10%
Average grace periodDK
Repayment Frequency
Dailyx
Weekly
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 100,000
Maximum loan size1,600,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,00060%
KHR 1,000,000-3,500,00040%
KHR 3,500,000-6,000,0000
KHR 6,000,000-8,000,0000
KHR 8,000,000-10,000,0000
Greater than KHR 10,000,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average8.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months15%
Between 10 and 12 months80%
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 interest16.00%
Highest quoted nominal interest16.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionDocumentation Charge
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min30
Fixed amount - max30
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min50
Fixed amount - max50
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited15.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0 - 15.00%
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest3.50%
Highest quoted nominal interest3.50%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min4,000
Fixed amount - max32,000
Reason for variationLoans <400,000 Pay KHR 4000. Loans > 400,000 = 2% of the loan.
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 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
Additional Comments
Client is allowed to reloan when they have paid installment for 1/3 of loan term.

Full Pricing Data

Entrepreneurship Development Loan samples
Sample 1
Loan AmountINR 25,000
Loan Cycle (1, 2, 3, etc)3
Disbursement Date2010-03-12
Loan Term (Months)9.7 months
Grace Period (Months)0
Total Cost of CreditNot Known
True Price by Comp 
Interest and Fee Component33.0%
Insurance Component0.5%
Tax Component0
Deposit Component12.2%
Full APR (int fee ins tax dep)45.6%
MFIN MFI Earning (Annualised)33.0%
MFIN Cost to Borrower (Annualised)45.6%
Transparency Index35
MFIN Transparency IndexN/A
  
Original Repayment SchedulePDF
MFT Pricing CalculationPDF
* The APR stated here is an MFTransparency term, definition and formula

Full Pricing Data

Chamroeun Loan samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
KHR 800,000 Real 2014-12-04 5.0 months N/A KHR 101,700 50.9% 42.4% 8.5% 0.0% 0.0% 0.0% 83 PDF PDF
KHR 800,000 Generated 2015-01-01 4.8 months N/A KHR 96,640 50.2% 41.3% 8.9% 0.0% 0.0% 0.0% 84 - PDF
KHR 1,100,000 Real 2014-12-04 10.0 months N/A KHR 237,200 46.8% 41.9% 4.9% 0.0% 0.0% 0.0% 90 PDF PDF
KHR 1,100,000 Generated 2015-01-01 9.9 months N/A KHR 228,697.53 46.3% 41.3% 5.0% 0.0% 0.0% 0.0% 91 - PDF
KHR 100,000 Generated 2015-01-01 8.9 months N/A KHR 21,042.92 52.4% 41.3% 11.1% 0.0% 0.0% 0.0% 80 - PDF
KHR 115,000 Generated 2015-01-01 11.9 months N/A KHR 29,638.70 48.9% 41.3% 7.6% 0.0% 0.0% 0.0% 86 - PDF
KHR 540,000 Generated 2015-01-01 8.9 months N/A KHR 102,831.78 46.8% 41.3% 5.5% 0.0% 0.0% 0.0% 90 - PDF
KHR 621,000 Generated 2015-01-01 11.9 months N/A KHR 150,868.97 45.6% 41.3% 4.3% 0.0% 0.0% 0.0% 92 - PDF
KHR 720,000 Generated 2015-01-01 11.9 months N/A KHR 174,920.55 45.6% 41.3% 4.3% 0.0% 0.0% 0.0% 92 - PDF
KHR 1,600,000 Generated 2015-01-01 11.9 months N/A KHR 388,712.33 45.6% 41.3% 4.3% 0.0% 0.0% 0.0% 92 - PDF
Entrepreneurship Development Loan Price Graphs


Click to view Price Analysis Tool
Chamroeun Loan Price Graphs


Click to view Price Analysis Tool
Caps / Zoom options
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
Loading...
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

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞