Number borrowers | 1,220 |
Loan Amount (range) | INR 3,000 - 10,000 |
Loan Term (range) | 12 - 24 |
Other Services (text summary) | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits |
Annual Interest & Method | 18.0% annual, Flat |
Fees | 2.00% upfront |
Insurance | 80.00-200.00 upfront |
Tax | None |
Comp Dep | 10.0% upfront |
Range of pricing | |
Interest Price Component | N/A |
Fee Component | 35.5% - 42.5% (Int+Fee) |
Insurance Component | 1.4% - 4.1% |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 39.6% - 54.5% |
Transparency Index (min/max) | 33 - 80 |
Transparency Index (average) | 39 |
5,675 |
KHR 800,000 - 20,000,000 |
3 - 24 |
30.0%-42.0% annual, Decl Bal |
800.00-12,000.00 upfront |
None |
None |
N/A |
21.7% - 37.1% |
0 - 1.6% |
0 |
0 |
30.2% - 36.4% |
68 - 99 |
90 |
Outstanding portfolio (INR) | INR 6,200,000 |
Portfolio (USD) | USD 116,981.13 |
Active Clients with Loans | 1,220 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 80% - 100% |
Individual | |
Solidarity group | x |
Village banking | |
Self help group | x |
Other |
Any purpose | |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | For constructing a toilet and bathing space. |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | x |
Workplace visits | x |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services |
Men | |
Women | x |
Must run a business | |
Must own a home or land | x |
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) |
# Regions for this institution | 2 |
# Regions for this product | 2 |
Regions Active | Madhya Pradesh, Uttar Pradesh |
Outstanding portfolio (KHR) | KHR 11,295,244,500 |
Portfolio (USD) | USD 2,859,555.57 |
Active Clients with Loans | 5,675 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services | x |
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) |
# Regions for this institution | 13 |
# Regions for this product | 13 |
Regions Active | Banteay Meanchey, Battambang, Kampong Cham, Kampong Speu, Kampot, KandalKratié, Oddar Meancheay, Phnom Penh, Prey VengSiem Reap, Svay Rieng, Takéo |
Currency | INR |
Minimum loan size | INR 3,000 |
Maximum loan size | 10,000 |
Shortest loan term | 12.0 months |
Longest loan term | 24.0 months |
Approx average | 18.0 months |
Grace period usage | 0 |
Average grace period | 0 |
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 |
Currency | KHR |
Minimum loan size | KHR 800,000 |
Maximum loan size | 20,000,000 |
Loans less than KHR 1,000,000 | 10% |
KHR 1,000,000-3,500,000 | 50% |
KHR 3,500,000-6,000,000 | 30% |
KHR 6,000,000-8,000,000 | 5% |
KHR 8,000,000-10,000,000 | 5% |
Greater than KHR 10,000,000 | 5% |
Shortest loan term | 3.0 months |
Longest loan term | 24.0 months |
Approx average | 18.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 10% |
Between 10 and 12 months | 50% |
Between 13 and 18 months | 40% |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
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 |
Lowest quoted nominal interest | 1.50% |
Highest quoted nominal interest | 1.50% |
Interest rate period | Monthly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Processing Fee |
% of loan amount - min | 2.00% |
% of loan amount - max | 2.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
Ins 1 | |
---|---|
Description | Insurance Fee |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 80 |
Fixed amount - max | 200 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
Required for | Some |
Criteria | If loan amount is greater than 5000 Rs than security deposit is compulsary. |
Is deposit indicated on the repayment schedule? | |
Do borrowers control deposit in their group? |
% loan amount deposited | 10.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | End Term |
Minimum interest rate paid | 3.50% |
Maximum interest rate paid | 3.50% |
Interest payment frequency | End Term |
Are taxes charged on this product? | No |
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 |
Fee 1 | |
---|---|
Description | Credit Bureau Cambodia - CBC Fee |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 800 |
Fixed amount - max | 12,000 |
Reason for variation | Charge 800 KHR for loan size <= 2,000,000 KHR or equivalent, and charge 12,000 KHR for loan over 2,000,000 KHR |
Appears on Repayment Sched? | Yes |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | ||
---|---|---|---|
Loan Amount | INR 5,000 | INR 10,000 | |
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | |
Disbursement Date | 2010-03-22 | 2010-06-04 | |
Loan Term (Months) | 12.0 months | 12.0 months | |
Grace Period (Months) | 0.0 months | 0.0 months | |
Total Cost of Credit | Not Known | Not Known | |
True Price by Comp | |||
Interest and Fee Component | 35.5% | 42.5% | |
Insurance Component | 4.1% | 2.5% | |
Tax Component | 0.0% | 0.0% | |
Deposit Component | 0.0% | 9.5% | |
Full APR (int fee ins tax dep) | 39.6% | 54.5% | |
MFIN MFI Earning (Annualised) | 35.5% | 42.5% | |
MFIN Cost to Borrower (Annualised) | 39.6% | 54.5% | |
Transparency Index | 45 | 33 | |
MFIN Transparency Index | N/A | N/A | |
Original Repayment Schedule | |||
MFT Pricing Calculation |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | ||||||
---|---|---|---|---|---|---|---|---|---|---|---|
Loan Amount | KHR 1,200,000 | KHR 2,500,000 | KHR 5,000,000 | KHR 7,000,000 | KHR 10,000,000 | KHR 12,000,000 | |||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
Disbursement Date | 2013-02-19 | 2013-02-26 | 2013-01-16 | 2013-01-25 | 2013-02-11 | 2013-01-17 | |||||
Loan Term (Months) | 13.0 months | 17.0 months | 18.0 months | 24.0 months | 24.0 months | 24.0 months | |||||
Grace Period (Months) | 0.4 months | 0.6 months | 0.0 months | -0.1 months | -0.3 months | 0.0 months | |||||
Total Cost of Credit | KHR 245,500 | KHR 680,700 | KHR 1,443,000 | KHR 2,328,100 | KHR 3,306,500 | KHR 3,796,800 | |||||
True Price by Comp | |||||||||||
Interest price component | 34.8% | 34.8% | 36.0% | 31.9% | 31.8% | 30.1% | |||||
Fee Component | 0.1% | 0.7% | 0.4% | 0.2% | 0.2% | 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) | 34.9% | 35.5% | 36.4% | 32.1% | 32.0% | 30.2% | |||||
Transparency Index | 86 | 84 | 83 | 94 | 94 | 99 | |||||
Original Repayment Schedule | |||||||||||
MFT Pricing Calculation |
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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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