Credible Microfinance Pvt Ltd - Agri-allied - MFTransparency.org Truth In Lending Tables

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

Institution

Credible Microfinance Pvt Ltd DanipaliBudharajaSambalpur, Orissa768004

Data approved: 2010-10-25

Data version: 1

Age of data: 171 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (INR)	INR 30,616,031
Portfolio (USD)	USD 577,660.96
Active Clients with Loans	3,492
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	0% - 20%

Methodology

Individual
Solidarity group
Village banking
Self help group	x
Other

Description

The agri-allied loans provided to the clients to buy agricultural product inputs such as seeds, fertilizers , tools and also mitigate the operating cost such as wages for hired labour for agri production and livestock.

Loan Purpose

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

Included Services

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

Eligibility

Men
Women	x
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 institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	INR
Minimum loan size	INR 2,500
Maximum loan size	20,000

Loan Term and Grace Period

Shortest loan term	8.0 months
Longest loan term	15.0 months
Approx average	12.0 months

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

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

Pricing Information

Interest

Lowest quoted nominal interest	20.00%
Highest quoted nominal interest	20.00%
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1	Fee 2
Description	Loan documentation charges	Processing Fee
% of loan amount - min	1.00%	1.50%
% of loan amount - max	1.00%	1.50%
OR, Fixed amount - min	0	0
Fixed amount - max	0	0
Reason for variation	N/A	N/A
Appears on Repayment Sched?	No	No

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

Agri-allied samples

	Sample 1	Sample 2	Sample 3	Sample 4
Loan Amount	INR 2,500	INR 5,000	INR 10,000	INR 20,000
Loan Cycle (1, 2, 3, etc)	1	2	3	Not Known
Disbursement Date	2010-03-02	2010-08-17	2010-08-17	2010-08-17
Loan Term (Months)	12.0 months	12.0 months	12.0 months	15.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	25.1%	25.1%	25.1%	24.2%
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)	25.1%	25.1%	25.1%	24.2%
MFIN MFI Earning (Annualised)	25.1%	25.1%	25.1%	24.2%
MFIN Cost to Borrower (Annualised)	25.1%	25.1%	25.1%	24.2%
Transparency Index	80	80	80	83
MFIN Transparency Index	N/A	N/A	N/A	N/A

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

* The APR stated here is an MFTransparency term, definition and formula

Agri-allied Price Graphs

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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

AMK - Angkor microheranhvatho (Kampuchea) # 442, St. 193, Toul Svayprey 1ChamkarmornPhnom Penh, Cambodia855

Data approved: 2011-09-30

Data version: 3

Age of data: - months

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Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://www.amkcambodia.com/
Year established	2003
Head of Institution	Pete Power
Regions active	0
# Branches	86

Total Portfolio (nat'l)	KHR 166,196,000,000
Total Portfolio (USD)	USD 42,472,783.03
Active clients with loans	262,731
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations	CMA, SPTF
Funders	Agora, Concern

Loan Products » Summary

Credit Line

39,631 Borrowers

USD 7,298,481.52 Portfolio

Active Product

Credit Line

5,933 Borrowers

USD 1,296,044.12 Portfolio

Active Product

Emergency

2,394 Borrowers

USD 201,826.25 Portfolio

Active Product

Emergency

69 Borrowers

USD 7,432.38 Portfolio

Active Product

End of Term

127,291 Borrowers

USD 18,064,341.83 Portfolio

Active Product

End of Term

3,158 Borrowers

USD 554,423.14 Portfolio

Active Product

Individual

15,534 Borrowers

USD 4,499,502.07 Portfolio

Active Product

Inst ID

226 Borrowers

USD 80,184.73 Portfolio

Active Product

Inst VB

860 Borrowers

USD 135,026.78 Portfolio

Active Product

Inst ID

1,180 Borrowers

USD 1,142,170 Portfolio

Active Product

Inst VB

63,785 Borrowers

USD 7,565,552.31 Portfolio

Active Product

Seasonal

1,239 Borrowers

USD 978,771.51 Portfolio

Active Product

Seasonal

64 Borrowers

USD 77,987.28 Portfolio

Active Product

Seasonal

112 Borrowers

USD 132,620 Portfolio

Active Product

Urban Poor

607 Borrowers

USD 93,321.36 Portfolio

Active Product

Urban Poor

648 Borrowers

USD 113,922 Portfolio

Active Product

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Credit Line (KHR)	KHR 50,000 - 1,000,000	3 - 24	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Other Training
Credit Line (THB)	THB 500 - 10,000	1 - 24	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Emergency Loan (KHR)	KHR 10,000 - 400,000	1 - 10	80% - 100%	0% - 20%	Other	Women, Men, Have home or land, Specific age group	Other Training
Emergency Loan (THB)	THB 500 - 4,000	1 - 10	80% - 100%	0% - 20%	Other	Women, Men, Have home or land	Credit Educ, Group Mtgs, Credit Ins
End of Term Loan (KHR)	KHR 10,000 - 1,000,000	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Group Mtgs, Other Training
End of Term Loan (THB)	THB 500 - 10,000	1 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
individual Inst ID (KHR)	KHR 400,000 - 8,000,000	3 - 18	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Other Training
Inst ID (THB)	THB 5,000 - 80,000	3 - 18	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ
Inst VB (THB)	THB 500 - 10,000	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Inst-ID USD	USD 500 - 2,000	3 - 18	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Other Training
Inst-VB (KHR)	KHR 10,000 - 1,000,000	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Group Mtgs, Other Training
Seasonal Loan (KHR)	KHR 500,000 - 6,000,000	3 - 12	80% - 100%	0% - 20%	Any Purpose, For seasonal purpose only	Women, Men, Have business, Have home or land, Must have regular income for eligible monthly interest payment	Credit Educ, Group Mtgs
Seasonal Loan (THB)	THB 5,000 - 60,000	3 - 12	80% - 100%	0% - 20%	Any Purpose, Seasonal purpose only	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Seasonal Loan (USD)	USD 100 - 1,500	3 - 12	80% - 100%	0% - 20%	Any Purpose, Seasonal loan requirement only	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Easy Loan (KHR)	KHR 10,000 - 1,000,000	1 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Salaried worker, Specific age group	Credit Educ, Other Training
Easy Loan (USD)	USD 50 - 250	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Specific age group	Credit Educ, Other Training

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Credit Line (KHR)	36.0% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A
Credit Line (THB)	33.6% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A
Emergency Loan (KHR)	30.0% annual, Decl Bal	0 Fees	None	N/A	0%	0%	N/A
Emergency Loan (THB)	30.0% annual, Decl Bal	0 Fees	None	N/A	0%	0%	N/A
End of Term Loan (KHR)	36.0% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A
End of Term Loan (THB)	33.6% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A
individual Inst ID (KHR)	27.6%-36.0% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A
Inst ID (THB)	27.6%-33.6% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A
Inst VB (THB)	31.2% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A
Inst-ID USD	26.4%-31.2% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A
Inst-VB (KHR)	33.6% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A
Seasonal Loan (KHR)	31.2%-36.0% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A
Seasonal Loan (THB)	31.2%-36.0% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A
Seasonal Loan (USD)	28.8%-32.4% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A
Easy Loan (KHR)	30.0%-36.0% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A
Easy Loan (USD)	27.6%-33.6% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A

Institution Price Graph

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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
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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

Loan Term and Grace Period

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

Agri-allied samples

Agri-allied Price Graphs

Institution

Institution Details

Loan Products » Summary

Loan Products » Conditions

Loan Products » Pricing Information

Institution Price Graph

Total Borrowers of Samples

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