Number borrowers | 1,145 |
Loan Amount (range) | INR 5,000 - 12,000 |
Loan Term (range) | 12 |
Other Services (text summary) | Credit Educ, Group Mtgs, Credit Ins |
Annual Interest & Method | 18.0% annual, Flat |
Fees | None |
Insurance | None |
Tax | None |
Comp Dep | N/A |
Range of pricing | |
Interest Price Component | N/A |
Fee Component | 37.5% - 43.6% (Int+Fee) |
Insurance Component | 1.1% - 1.4% |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 38.6% - 44.8% |
Transparency Index (min/max) | 40 - 62 |
Transparency Index (average) | 43 |
1,913 |
KHR 1,000,000 - 40,000,000 |
3 - 36 |
30.0%-42.0% annual, Decl Bal |
None |
None |
None |
N/A |
14.3% - 38.4% |
0 |
0 |
0 |
29.9% - 38.1% |
58 - 112 |
89 |
Outstanding portfolio (INR) | INR 4,957,763 |
Portfolio (USD) | USD 93,542.70 |
Active Clients with Loans | 1,145 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 40% - 60% |
Individual | |
Solidarity group | x |
Village banking | |
Self help group | x |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services |
Men | |
Women | x |
Must run a business | x |
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) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Outstanding portfolio (KHR) | KHR 3,141,395,950 |
Portfolio (USD) | USD 795,290.11 |
Active Clients with Loans | 1,913 |
Approximate % Female Clients | 60% - 80% |
Approximate % Urban Clients | 20% - 40% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | |
Mortgage/housing | x |
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 | x |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 18 |
# Regions for this product | 18 |
Regions Active | Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Phnom Penh, Sihanoukville, Pursat, Prey VengSiem Reap, Svay Rieng, Takéo |
Currency | INR |
Minimum loan size | INR 5,000 |
Maximum loan size | 12,000 |
Shortest loan term | 12.0 months |
Longest loan term | 12.0 months |
Approx average | 12.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 100% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | x |
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 1,000,000 |
Maximum loan size | 40,000,000 |
Loans less than KHR 1,000,000 | 5% |
KHR 1,000,000-3,500,000 | 15% |
KHR 3,500,000-6,000,000 | 30% |
KHR 6,000,000-8,000,000 | 20% |
KHR 8,000,000-10,000,000 | 15% |
Greater than KHR 10,000,000 | 15% |
Shortest loan term | 3.0 months |
Longest loan term | 36.0 months |
Approx average | 17.0 months |
Loans 3 months or less | 5% |
Between 4 and 6 months | 5% |
Between 7 and 9 months | 10% |
Between 10 and 12 months | 10% |
Between 13 and 18 months | 20% |
Longer than 18 months | 50% |
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 | 18.00% |
Highest quoted nominal interest | 18.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | |
Is rate fixed for entire loan term | 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 |
Lowest quoted nominal interest | 2.50% |
Highest quoted nominal interest | 3.50% |
Reason(s) why interest rate varies | Branch, Time as Client, Loan Size |
Interest rate period | Monthly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | 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 | Sample 3 | Sample 4 | ||||
---|---|---|---|---|---|---|---|
Loan Amount | INR 5,000 | INR 5,000 | INR 10,000 | INR 12,000 | |||
Loan Cycle (1, 2, 3, etc) | 1 | 1 | 2 | 3 | |||
Disbursement Date | 2010-03-25 | 2010-03-29 | 2010-03-25 | 2010-03-29 | |||
Loan Term (Months) | 12.0 months | 11.2 months | 12.0 months | 12.0 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 | 37.5% | 43.6% | 41.0% | 38.9% | |||
Insurance Component | 1.1% | 1.3% | 1.2% | 1.1% | |||
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) | 38.6% | 44.8% | 42.2% | 40.0% | |||
MFIN MFI Earning (Annualised) | 37.5% | 43.6% | 41.0% | 38.9% | |||
MFIN Cost to Borrower (Annualised) | 38.6% | 44.8% | 42.2% | 40.0% | |||
Transparency Index | 47 | 40 | 43 | 45 | |||
MFIN Transparency Index | N/A | N/A | 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 1,000,000 | KHR 2,500,000 | KHR 6,000,000 | KHR 8,100,000 | 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 | 2013-02-21 | 2013-04-25 | 2013-04-03 | 2013-01-21 | 2013-02-08 | 2013-01-22 | |||||
Loan Term (Months) | 12.0 months | 19.0 months | 25.0 months | 24.0 months | 24.0 months | 24.0 months | |||||
Grace Period (Months) | -0.1 months | 0.3 months | 0.6 months | 0.0 months | 0.0 months | 0.0 months | |||||
Total Cost of Credit | KHR 194,200 | KHR 789,500 | KHR 2,360,300 | KHR 2,528,200 | KHR 3,515,900 | KHR 3,745,000 | |||||
True Price by Comp | |||||||||||
Interest price component | 35.6% | 38.1% | 35.5% | 30.1% | 33.2% | 29.9% | |||||
Fee Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
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) | 35.6% | 38.1% | 35.5% | 30.1% | 33.2% | 29.9% | |||||
Transparency Index | 84 | 79 | 85 | 100 | 90 | 100 | |||||
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 |
---|---|---|---|---|---|---|---|
X Axis | ||||||
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Std Dev | ||||||
By Inst Type | ||||||
By Country | ||||||
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From 0 to | ||||||
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