- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
Adhikar	35,300	2,674,000	1	139
AMPL	0	0	0	139
Arman	41,500	529,107,000	1	139
Arohan	43,500	8,091,000	2	139
ASA INDIA	164,000	15,380,000	1	139
Asirvad	113,500	19,328,000	1	139
Asmitha	1,114,800	217,867,000	1	139
Bandhan	4,048,600	674,564,000	5	139
Belstar	123,000	23,945,000	2	118
BSFL	275,200	31,590,000	3	139
Chaitanya	20,700	3,748,000	3	139
Disha Microfin	69,000	14,332,000	2	139
Equitas	1,220,000	186,415,000	4	139
ESAF	354,200	43,500,000	5	139
FFSL	150,600	35,719,000	2	139
Fusion	66,800	9,820,000	2	139
Grama Vidiyal	738,200	102,101,000	1	139
Grameen Koota	586,600	83,555,000	15	141
Janalakshmi	506,000	119,077,000	2	139
L & T Finance	399,800	37,199,000	1	139
MFL	331,800	49,083,000	1	139
MMFL	175,000	23,752,000	2	139
Mpower	13,600	2,263,000	2	139
Sahayata	0	0	0	139
Saija	24,700	4,682,000	2	139
Samasta	45,500	4,809,000	2	139
Satin	405,600	90,174,000	2	139
SCCI	115,600	15,910,000	2	139
Share	2,195,400	376,727,000	1	139
SKS	3,409,000	355,029,000	2	139
SMILE	360,200	56,927,000	1	139
SNFL	9,400	1,779,000	1	139
Sonata Finance	158,200	22,724,000	3	141
Spandana	533,400	147,240,000	2	139
Suryoday	78,600	14,713,000	3	139
SVCL	118,200	18,886,000	1	139
Swadhaar	92,800	17,166,000	3	139
Trident	68,700	8,852,000	1	139
Ujjivan	913,300	160,848,000	5	139
Utkarsh	168,600	25,915,000	3	139
VFS	175,400	19,264,000	2	139
Asomi	50,300	4,743,000	2	172
AES India	3,600	286,000	1	172
Arth	2,900	611,000	2	172
Asomi	50,300	4,743,000	2	172
Barasat GS	1,100	99,508.02	1	172
BJS	6,000	468,000	1	172
Cashpor	417,000	50,452,000	1	171
Credible	10,000	1,669,540.36	2	172
DIBAKAR	1,800	145,000	1	171
GOF	65,200	5,388,000	4	171
Hope	62,600	4,407,000	1	169
Jaago	2,700	237,000	1	170
LOK	4,900	573,000	1	171
Nano	25,600	3,660,000	2	172
NBSAAVS	28,100	2,821,000	1	169
Nirantara	8,200	917,000	2	171
Parama	7,100	482,000	1	171
Pragathi	26,200	4,579,000	6	171
PWMACS	36,500	5,946,000	1	171
Saadhana	90,900	12,046,000	2	171
Sambhav	1,500	183,000	3	171
Seba Rahara	6,700	468,000	1	171
SU	61,100	5,498,000	1	171
Swayanshree	7,900	918,000	2	171
Vikas Samiti	1,600	168,000	1	171
Vistaar	4,300	1,157,000	2	169
We The People	1,100	244,000	2	171
WEMCS	1,100	85,000	1	171
Yukti	1,100	99,000	2	171

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

KREDIT Microfinance Institution Plc. #17, Street 163ChamkarmornPhnom Penh

Data approved: 2013-04-23

Data version: 3

Age of data: 139 months

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Product

ID-AGR-USD Product 2 of 9 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (USD)	USD 4,637,246.14
Portfolio (USD)	USD 4,637,246.14
Active Clients with Loans	2,624
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	0% - 20%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

ID-AGR-USD product is an option for client who invest or develop their agriculture activities by using that loan.

Loan Purpose

Any purpose
Income generation	x
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 services	x

Eligibility

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)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	12
# Regions for this product	12
Regions Active	Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampot, KandalKratié, Prey VengSiem Reap, Svay Rieng, Takéo

Loan Conditions

Loan Amount

Currency	USD
Minimum loan size	USD 100
Maximum loan size	5,000

Distribution at Disbursement (Est.)

Loans less than USD 250	5%
USD 250-1,000	20%
USD 1,000-1,500	20%
USD 1,500-2,000	20%
USD 2,000-2,500	15%
Greater than USD 2,500	15%

Loan Term and Grace Period

Shortest loan term	4.0 months
Longest loan term	12.0 months
Approx average	11.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	5%
Between 7 and 9 months	5%
Between 10 and 12 months	90%
Between 13 and 18 months	0
Longer than 18 months	0

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly	x
Every 2 weeks	x
Every 4 weeks	x
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment	x
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	1.75%
Highest quoted nominal interest	3.00%
Reason(s) why interest rate varies	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

Upfront Fees

This product has no upfront fees

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

ID-AGR-USD samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5	Sample 6
Loan Amount	USD 150	USD 300	USD 600	USD 1,300	USD 1,800	USD 3,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2013-02-20	2013-02-28	2013-02-21	2013-03-07	2013-02-18	2013-03-27
Loan Term (Months)	12.0 months	12.0 months	12.0 months	10.0 months	12.0 months	12.0 months
Grace Period (Months)	11.1 months	11.3 months	11.1 months	9.4 months	11.2 months	11.3 months
Total Cost of Credit	USD 47.19	USD 95.68	USD 191.24	USD 340.99	USD 441	USD 702.20
True Price by Comp
Interest price component	31.2%	31.2%	31.2%	30.0%	24.1%	22.8%
Fee Component	0.0%	0.0%	0.6%	0.3%	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)	31.2%	31.2%	31.8%	30.3%	24.3%	22.9%
Transparency Index	67	67	66	69	86	92

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

ID-AGR-USD Price Graphs

Click to view Price Analysis Tool

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
	to
	to
	to ∞

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

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

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

ID-AGR-USD samples

ID-AGR-USD Price Graphs

Total Borrowers of Samples

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