2. SKS
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
  2. TPC
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

SKS Microfinance My Home Tycoon Building, KundanbaghAbove Life Style, Begumpet Main RoadHyderabad, Andhra PradeshPO Box 500016
Data approved: 2013-04-02
Data version: 3
Age of data: 139 months
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Institution

Thaneakea Phum Cambodia Ltd. #94, Street 360, Sangkat Boeng Kengkang IIIKhan ChamkrmonPhnom Penh, Cambodia
Data approved: 2013-03-21
Data version: 3
Age of data: 139 months
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Product

Income Generating Loan Product 1 of 2 « Prev | Next »

Product

Individual Loan (THB) Product 5 of 15 « Prev | Next »

Product Summary

Number borrowers2,484,407
Loan Amount (range)INR 2,000 - 14,000
Loan Term (range)11.5
Other Services (text summary)Group Mtgs, Credit Ins, Other Training, Building Leadership and Promoting Members Cooperation.
Annual Interest & Method24.6% annual, Decl Bal
Fees0.88% upfront
Insurance0.50% upfront
Tax12.36% fees
Comp DepN/A
Range of pricing 
Interest Price Component24.6%
Fee Component1.8%
Insurance Component1.1%
Tax Component Range0.3%
Full APR (int fee ins tax dep)27.8%
Transparency Index (min/max)88
Transparency Index (average)88

Product Summary

755
THB 8,000 - 200,000
3 - 24
30.0%-42.0% annual, Decl Bal
5.97-92.00 upfront
None
None
N/A
 
21.7% - 37.1%
0 - 1.6%
0
0
30.2% - 34.6%
68 - 99
93

Product Details

Key Statistics
Outstanding portfolio (INR)INR 14,172,152,930
Portfolio (USD)USD 267,399,111.90
Active Clients with Loans2,484,407
Approximate % Female Clients100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
OtherJoint Liability Group
Description
The maximum eligible limit for the borrower in the first cycle is Rs 12,000 and from second cycle onwards Rs 14,000. Repayment is weekly. The loan has an insurance cover on member and optional insurance coverage for Husband
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other trainingx
OtherBuilding Leadership and Promoting Members Cooperation.
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 INRx
Household income <120,000 INRx
Must live in rural areax
Must lives in urban areax
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution17
# Regions for this product17
Regions ActiveAndhra Pradesh, Bihar, Chhattisgarh, Gujarat, HaryanaJharkhand, Karnataka, Kerala, Madhya Pradesh, Maharashtra, OrissaPunjab, Rajasthan, Tamil Nadu, Uttar Pradesh, Uttarakhand, West Bengal

Product Details

Key Statistics
Outstanding portfolio (THB)THB 23,366,209
Portfolio (USD)USD 792,074.88
Active Clients with Loans755
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
The Individual Loan Product (ILP) is for individual entrepreneurs that require bigger loan size for additional working capital or acquisition of fixed assets. Target clients are those that have small or medium size businesses requiring loans.
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 group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution13
# Regions for this product2
Regions ActiveBanteay Meanchey, Battambang

Loan Conditions

Loan Amount
CurrencyINR
Minimum loan sizeINR 2,000
Maximum loan size14,000
Distribution at Disbursement (Est.)
Loans less than INR 5,0000
INR 5,000-15,000100%
INR 15,000-25,0000
INR 25,000-35,0000
INR 35,000-45,0000
Greater than INR 45,0000
Loan Term and Grace Period
Shortest loan term11.5 months
Longest loan term11.5 months
Approx average11.5 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 usage0
Average grace period0
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
CurrencyTHB
Minimum loan sizeTHB 8,000
Maximum loan size200,000
Distribution at Disbursement (Est.)
Loans less than THB 10,0005%
THB 10,000-30,00040%
THB 30,000-50,00020%
THB 50,000-70,00020%
THB 70,000-90,0005%
Greater than THB 90,0005%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months30%
Between 13 and 18 months50%
Longer than 18 months20%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeksx
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest24.55%
Highest quoted nominal interest24.55%
Interest rate periodYearly
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 - min0.88%
% of loan amount - max0.88%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationService Tax included.
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Insurance
% of loan amount - min0.50%
% of loan amount - max0.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationMin is 0.5% for covering member only and max of 1% for covering member and spouse
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?Yes
Percentage of fees12.4%
All or some fees taxedSome

Pricing Information

Interest
Lowest quoted nominal interest2.50%
Highest quoted nominal interest3.50%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCredit Bureau Cambodia - CBC Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min5.97
Fixed amount - max92
Reason for variationCharge 800 KHR/5.97 THB for loan size <= 2,000,000 KHR or equivalent, and charge 12,000 KHR/92.30 for loan over 2,000,000 KHR
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

Full Pricing Data

Income Generating Loan samples
Sample 1Sample 2Sample 3
Loan AmountINR 10,000INR 12,000INR 12,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2012-12-282012-12-242012-12-24
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditINR 1,400INR 1,680INR 1,680
True Price by Comp     
Interest price component24.6%24.6%24.6%
Fee Component1.8%1.8%1.8%
Insurance Component1.1%1.1%1.1%
Tax Component0.3%0.3%0.3%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)27.8%27.8%27.8%
MFIN MFI Earning (Annualised)26.4%26.4%26.4%
MFIN Cost to Borrower (Annualised)27.8%27.8%27.8%
Transparency Index888888
MFIN Transparency Index100100100
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
* The APR stated here is an MFTransparency term, definition and formula

Full Pricing Data

Individual Loan (THB) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountTHB 11,000THB 20,000THB 40,000THB 65,000THB 80,000THB 100,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-222013-01-232013-02-152013-02-132013-02-152013-02-11
Loan Term (Months)13.0 months12.0 months19.0 months13.0 months25.0 months18.0 months
Grace Period (Months)0.4 months0.0 months0.6 months0.6 months0.2 months0.0 months
Total Cost of CreditTHB 2,152.97THB 3,774.30THB 11,518.30THB 11,783.30THB 25,822.30THB 24,215.30
True Price by Comp           
Interest price component33.6%33.7%33.6%30.0%30.1%30.1%
Fee Component0.1%0.9%0.3%0.3%0.1%0.1%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)33.7%34.6%33.9%30.3%30.2%30.2%
Transparency Index898788999999
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Income Generating Loan Price Graphs


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Individual Loan (THB) 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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