2. Pragathi
Please note that the information you are viewing is 170 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

Pragathi MAC Credit & Marketing Federation Ltd. #2-6-45/2, Sri Shanthi Nagar Colony, Road No. 2Circuit House Road, HanamkondaWarangal, Andhra Pradesh506001
Data approved: 2010-11-15
Data version: 1
Age of data: 170 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
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Product

Micro Enterprise Loan Product 6 of 6 « Prev | Next »

Product

Entrepreneurs Loan Product 3 of 4 « Prev | Next »

Product Summary

Number borrowers11,771
Loan Amount (range)INR 5,000 - 50,000
Loan Term (range)12 - 20
Other Services (text summary)Credit Educ, Group Mtgs, Other Training, Social Awareness programs
Annual Interest & Method12.5% annual, Flat
Fees2.00% upfront
Insurance1.00% upfront
TaxNone
Comp Dep10.0% upfront 50.00 ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component25.6% - 25.7% (Int+Fee)
Insurance Component1.4% - 1.7%
Tax Component Range0
Full APR (int fee ins tax dep)32.7% - 35.9%
Transparency Index (min/max)25 - 47
Transparency Index (average)37

Product Summary

11,779
KHR 1,200,000 - 4,000,000
3 - 18
Tech Asst Visits, Business Training, Other Training, Social training ( health, nutrition, domestic violence, waste management)
39.0% annual, Decl Bal
4,000.00-80,000.00 upfront
None
None
N/A
 
38.4% - 42.4%
3.1% - 15.4%
0
0
41.5% - 43.8%
73 - 94
92

Product Details

Key Statistics
Outstanding portfolio (INR)INR 108,645,519
Portfolio (USD)USD 2,049,915.45
Active Clients with Loans11,771
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village banking
Self help groupx
Other
Description
This loan can be utilized by SMEs, petty shops, and microenterprises.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visits
Business training
Other trainingx
OtherSocial Awareness programs
Other (2)
No other services
Eligibility
Men
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 4,188,761,100
Portfolio (USD)USD 1,060,445.85
Active Clients with Loans11,779
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Product for residents or workers from the urban poor community. The interest rates are charged on a declining balance. No physical collateral is required 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 education
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 5,000
Maximum loan size50,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term20.0 months
Approx average15.0 months
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

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 1,200,000
Maximum loan size4,000,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,0000
KHR 1,000,000-3,500,000100%
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 term18.0 months
Approx average11.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months5%
Between 10 and 12 months5%
Between 13 and 18 months90%
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 interest12.50%
Highest quoted nominal interest12.50%
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 - min1.00%
% of loan amount - max1.00%
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedINR 50
Conditions on access to depositWhen Leaving
Interest Paid on Deposit
Minimum interest rate paid6.00%
Maximum interest rate paid6.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No
Additional Comments
N/A

Pricing Information

Interest
Lowest quoted nominal interest3.25%
Highest quoted nominal interest3.25%
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 - max80,000
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

Micro Enterprise Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountINR 5,000INR 10,000INR 15,000INR 20,000INR 30,000
Loan Cycle (1, 2, 3, etc)122Not Known2
Disbursement Date2010-03-012010-03-152010-04-012010-04-152010-04-15
Loan Term (Months)15.0 months15.0 months15.0 months15.0 months15.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component25.6%25.6%25.6%25.6%25.7%
Insurance Component1.6%1.6%1.7%1.7%1.7%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component8.8%6.6%5.9%5.6%5.3%
Full APR (int fee ins tax dep)35.9%33.8%33.2%32.9%32.7%
MFIN MFI Earning (Annualised)25.6%25.6%25.6%25.6%25.7%
MFIN Cost to Borrower (Annualised)35.9%33.8%33.2%32.9%32.7%
Transparency Index3537383838
MFIN Transparency IndexN/AN/AN/AN/AN/A
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula

Full Pricing Data

Entrepreneurs 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 1,020,000 Generated 2015-01-01 8.9 months N/A KHR 181,820.82 43.8% 38.4% 5.4% 0.0% 0.0% 0.0% 89 - PDF
KHR 1,200,000 Generated 2015-01-01 11.9 months N/A KHR 272,424.66 42.7% 38.4% 4.3% 0.0% 0.0% 0.0% 91 - PDF
KHR 1,380,000 Generated 2015-01-01 17.9 months N/A KHR 448,002.19 41.5% 38.4% 3.1% 0.0% 0.0% 0.0% 94 - PDF
KHR 1,800,000 Generated 2015-01-01 17.9 months N/A KHR 584,350.68 41.5% 38.4% 3.1% 0.0% 0.0% 0.0% 94 - PDF
KHR 2,100,000 Generated 2015-01-01 17.9 months N/A KHR 681,742.47 41.5% 38.4% 3.1% 0.0% 0.0% 0.0% 94 - PDF
KHR 2,900,000 Generated 2015-01-01 17.9 months N/A KHR 941,453.88 41.5% 38.4% 3.1% 0.0% 0.0% 0.0% 94 - PDF
KHR 3,500,000 Generated 2015-01-01 17.9 months N/A KHR 1,136,237.44 41.5% 38.4% 3.1% 0.0% 0.0% 0.0% 94 - PDF
Micro Enterprise Loan Price Graphs


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Entrepreneurs Loan 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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