- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
Adhikar	35,300	2,674,000	1	140
AMPL	0	0	0	140
Arman	41,500	529,107,000	1	140
Arohan	43,500	8,091,000	2	140
ASA INDIA	164,000	15,380,000	1	140
Asirvad	113,500	19,328,000	1	140
Asmitha	1,114,800	217,867,000	1	140
Bandhan	4,048,600	674,564,000	5	140
Belstar	123,000	23,945,000	2	119
BSFL	275,200	31,590,000	3	140
Chaitanya	20,700	3,748,000	3	140
Disha Microfin	69,000	14,332,000	2	140
Equitas	1,220,000	186,415,000	4	140
ESAF	354,200	43,500,000	5	140
FFSL	150,600	35,719,000	2	140
Fusion	66,800	9,820,000	2	140
Grama Vidiyal	738,200	102,101,000	1	140
Grameen Koota	586,600	83,555,000	15	142
Janalakshmi	506,000	119,077,000	2	140
L & T Finance	399,800	37,199,000	1	140
MFL	331,800	49,083,000	1	140
MMFL	175,000	23,752,000	2	140
Mpower	13,600	2,263,000	2	140
Sahayata	0	0	0	140
Saija	24,700	4,682,000	2	140
Samasta	45,500	4,809,000	2	140
Satin	405,600	90,174,000	2	140
SCCI	115,600	15,910,000	2	140
Share	2,195,400	376,727,000	1	140
SKS	3,409,000	355,029,000	2	140
SMILE	360,200	56,927,000	1	140
SNFL	9,400	1,779,000	1	140
Sonata Finance	158,200	22,724,000	3	142
Spandana	533,400	147,240,000	2	140
Suryoday	78,600	14,713,000	3	140
SVCL	118,200	18,886,000	1	140
Swadhaar	92,800	17,166,000	3	140
Trident	68,700	8,852,000	1	140
Ujjivan	913,300	160,848,000	5	140
Utkarsh	168,600	25,915,000	3	140
VFS	175,400	19,264,000	2	140
Asomi	50,300	4,743,000	2	173
AES India	3,600	286,000	1	173
Arth	2,900	611,000	2	173
Asomi	50,300	4,743,000	2	173
Barasat GS	1,100	99,508.02	1	173
BJS	6,000	468,000	1	173
Cashpor	417,000	50,452,000	1	172
Credible	10,000	1,669,540.36	2	173
DIBAKAR	1,800	145,000	1	172
GOF	65,200	5,388,000	4	172
Hope	62,600	4,407,000	1	170
Jaago	2,700	237,000	1	171
LOK	4,900	573,000	1	172
Nano	25,600	3,660,000	2	173
NBSAAVS	28,100	2,821,000	1	170
Nirantara	8,200	917,000	2	172
Parama	7,100	482,000	1	172
Pragathi	26,200	4,579,000	6	172
PWMACS	36,500	5,946,000	1	172
Saadhana	90,900	12,046,000	2	172
Sambhav	1,500	183,000	3	172
Seba Rahara	6,700	468,000	1	172
SU	61,100	5,498,000	1	172
Swayanshree	7,900	918,000	2	172
Vikas Samiti	1,600	168,000	1	172
Vistaar	4,300	1,157,000	2	170
We The People	1,100	244,000	2	172
WEMCS	1,100	85,000	1	172
Yukti	1,100	99,000	2	172

Please note that the information you are viewing is 140 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

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: 140 months

Download Data

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Product

Individual Loan (KHR) Product 1 of 15 « Prev | Next »

Product Details

Key Statistics

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%

Methodology

Individual	x
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 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	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

Loan Conditions

Loan Amount

Currency	KHR
Minimum loan size	KHR 800,000
Maximum loan size	20,000,000

Distribution at Disbursement (Est.)

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%

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	24.0 months
Approx average	18.0 months

Distribution at Disbursement (Est.)

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

Grace period usage	0
Average grace period	0

Repayment Frequency

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

Pricing Information

Interest

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

Upfront Fees

	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

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

Individual Loan (KHR) samples

	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	PDF	PDF	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF	PDF	PDF

Individual Loan (KHR) 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

	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

Individual Loan (KHR) samples

Individual Loan (KHR) Price Graphs

Total Borrowers of Samples

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