2. Salve
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

Caritas Salve Credit Cooperative RM. 24 Caritas Bldg., Caritas Manila Compound2002 Jesus St., PandacanManila1011
Data approved: 2011-11-15
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

Regular Loan - 23 weeks Product 3 of 3 « Prev | Next »

Product

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

Product Summary

Number borrowers9,551
Loan Amount (range)PHP 2,000 - 150,000
Loan Term (range)5.3
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Life insurance, Values Formation, Marketing Assistance, Business Development
Annual Interest & Method30.0% annual, Flat
Fees2.00% upfront
Insurance0.60% upfront
TaxNone
Comp Dep50.00 ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component71.8% (Int+Fee)
Insurance Component2.8% - 2.9%
Tax Component Range0
Full APR (int fee ins tax dep)77.5% - 96.2%
Transparency Index (min/max)31 - 39
Transparency Index (average)36

Product Summary

5,675
KHR 800,000 - 20,000,000
3 - 24
30.0%-42.0% annual, Decl Bal
800.00-12,000.00 upfront
None
None
N/A
 
21.7% - 37.1%
0 - 1.6%
0
0
30.2% - 36.4%
68 - 99
90

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 43,114,455
Portfolio (USD)USD 1,031,446.29
Active Clients with Loans9,551
Approximate % Female Clients80% - 100%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Loans offered to microentrepreneurs for business purposes
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business trainingx
Other training
OtherLife insurance, Values Formation
Other (2)Marketing Assistance, Business Development
No other services
Eligibility
Menx
Womenx
Must run a businessx
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 (KHR)KHR 11,295,244,500
Portfolio (USD)USD 2,859,555.57
Active Clients with Loans5,675
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 product13
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Speu, Kampot, KandalKratié, Oddar Meancheay, Phnom Penh, Prey VengSiem Reap, Svay Rieng, Takéo

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 2,000
Maximum loan size150,000
Loan Term and Grace Period
Shortest loan term5.3 months
Longest loan term5.3 months
Approx average5.3 months
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
CurrencyKHR
Minimum loan sizeKHR 800,000
Maximum loan size20,000,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,00010%
KHR 1,000,000-3,500,00050%
KHR 3,500,000-6,000,00030%
KHR 6,000,000-8,000,0005%
KHR 8,000,000-10,000,0005%
Greater than KHR 10,000,0005%
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 months10%
Between 10 and 12 months50%
Between 13 and 18 months40%
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 interest2.50%
Highest quoted nominal interest2.50%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionService Charge
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Insurance
% of loan amount - min0.60%
% of loan amount - max0.60%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 50
Conditions on access to depositWhen Leaving
Interest Paid on Deposit
Minimum interest rate paid6.00%
Maximum interest rate paid6.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No
Additional Comments
Credit Insurance premium based on P1 per P1 loan x loan term (months). Withdrawal of savings allowed for emergency purposes.

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 - min800
Fixed amount - max12,000
Reason for variationCharge 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 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

Regular Loan - 23 weeks samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountPHP 4,000PHP 10,000PHP 15,000PHP 40,000PHP 50,000PHP 100,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-07-202011-05-112011-07-142011-06-202011-04-042011-06-17
Loan Term (Months)5.4 months5.4 months5.4 months5.4 months5.4 months5.4 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component71.8%71.8%71.8%71.8%71.8%71.8%
Insurance Component2.9%2.9%2.9%2.9%2.9%2.9%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component21.6%7.5%10.3%5.5%2.9%7.5%
Full APR (int fee ins tax dep)96.2%82.2%85.0%80.2%77.5%82.2%
Transparency Index313735373937
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Individual Loan (KHR) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountKHR 1,200,000KHR 2,500,000KHR 5,000,000KHR 7,000,000KHR 10,000,000KHR 12,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-192013-02-262013-01-162013-01-252013-02-112013-01-17
Loan Term (Months)13.0 months17.0 months18.0 months24.0 months24.0 months24.0 months
Grace Period (Months)0.4 months0.6 months0.0 months-0.1 months-0.3 months0.0 months
Total Cost of CreditKHR 245,500KHR 680,700KHR 1,443,000KHR 2,328,100KHR 3,306,500KHR 3,796,800
True Price by Comp           
Interest price component34.8%34.8%36.0%31.9%31.8%30.1%
Fee Component0.1%0.7%0.4%0.2%0.2%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)34.9%35.5%36.4%32.1%32.0%30.2%
Transparency Index868483949499
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Regular Loan - 23 weeks Price Graphs


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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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