2. ARDCI
Please note that the information you are viewing is 158 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

ARDCI NGO Group, Inc. Sta. ElenaVirac, Catanduanes4800
Data approved: 2011-11-16
Data version: 1
Age of data: 158 months

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

Micro Business (MB) Product 1 of 1 « Prev | Next »

Product

Solidarity Group Loan (THB) Product 7 of 15 « Prev | Next »

Product Summary

Number borrowers44,667
Loan Amount (range)PHP 10,000 - 200,000
Loan Term (range)3 - 12
Other Services (text summary)Group Mtgs, Credit Ins
Annual Interest & Method24.0% annual, Flat
FeesNone
Insurance20.00 ongoing N
TaxNone
Comp Dep10.0% upfront 30.00 ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component44.2% - 46.3% (Int+Fee)
Insurance Component2.3% - 13.2%
Tax Component Range0
Full APR (int fee ins tax dep)58.5% - 75.7%
Transparency Index (min/max)32 - 41
Transparency Index (average)37

Product Summary

1,801
THB 2,000 - 20,000
3 - 18
Group Mtgs
32.4%-42.0% annual, Decl Bal
None
None
None
N/A
 
21.7% - 37.1%
0 - 1.6%
0
0
33.6% - 34.0%
68 - 99
95

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 393,049,789.90
Portfolio (USD)USD 9,403,105.02
Active Clients with Loans44,667
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
A micro business is a family-based production, and or marketing/trading activity aimed to generate profit and is within the borrower's capacity to manage successfully.
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 training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
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 institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (THB)THB 17,750,587
Portfolio (USD)USD 601,714.81
Active Clients with Loans1,801
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Groups elect to make their payments directly at the TPC branch office or satellite office. This loan type is for clients who need larger loans and regularly travel to the markets or businesses surrounding our branch offices.
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 insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services
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 product3
Regions ActiveBanteay Meanchey, Battambang, Oddar Meancheay

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 10,000
Maximum loan size200,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyTHB
Minimum loan sizeTHB 2,000
Maximum loan size20,000
Distribution at Disbursement (Est.)
Loans less than THB 10,00030%
THB 10,000-30,00070%
THB 30,000-50,0000
THB 50,000-70,0000
THB 70,000-90,0000
Greater than THB 90,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term18.0 months
Approx average10.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months80%
Between 13 and 18 months20%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest2.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
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
Ins 1Ins 2
DescriptionLife InsuranceHospital Income Benefit (HIB)
% of loan amount - min00
% of loan amount - max00
OR, Fixed amount - min202.50
Fixed amount - max202.50
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 30
Conditions on access to depositWhen Leaving
Interest Paid on Deposit
Minimum interest rate paid5.00%
Maximum interest rate paid5.00%
Interest payment frequencyQuarterly
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest2.70%
Highest quoted nominal interest3.50%
Reason(s) why interest rate variesBranch, Time as Client, Client Risk, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
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 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

Micro Business (MB) samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountPHP 15,000PHP 30,000PHP 30,000PHP 60,000PHP 90,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-09-152011-09-202011-08-042011-05-182011-03-23
Loan Term (Months)11.7 months11.7 months12.0 months11.7 months8.6 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component45.8%45.8%44.2%45.8%46.3%
Insurance Component13.2%6.7%6.4%3.3%2.3%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component16.7%12.3%11.4%10.3%9.9%
Full APR (int fee ins tax dep)75.7%64.8%62.0%59.5%58.5%
Transparency Index3237394041
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

Full Pricing Data

Solidarity Group Loan (THB) samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountTHB 2,000THB 5,000THB 10,000THB 20,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-01-042013-02-142013-02-122013-02-08
Loan Term (Months)12.0 months18.0 months13.0 months12.0 months
Grace Period (Months)0.0 months0.2 months0.6 months0.1 months
Total Cost of CreditTHB 372THB 1,383THB 2,028THB 3,745
True Price by Comp       
Interest price component34.0%33.8%33.6%33.7%
Fee Component0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)34.0%33.8%33.6%33.7%
Transparency Index95969696
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Micro Business (MB) Price Graphs


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Solidarity Group 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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