2. CEV
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  2. SPN
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Institution

Community Economic Ventures, Inc. Sarabia-Co-Torralba Bldg. 2 , Espeulas St.Tagbilaran, Bohol6300
Data approved: 2011-11-15
Data version: 1
Age of data: 158 months

Institution

Sathapana Limited #831C, Monivong Blvd, Phsa Doem ThkovChamkarmornPhnom PenhPO Box 1423
Data approved: 2013-06-28
Data version: 3
Age of data: 139 months
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Product

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Product

Micro Loan KHR Product 10 of 12 « Prev | Next »

Product Summary

Number borrowers100
Loan Amount (range)PHP 10,000 - 10,000
Loan Term (range)3 - 5
Other Services (text summary)Credit Educ, Group Mtgs
Annual Interest & Method30.0% annual, Flat
Fees4.00% upfront
Insurance340.00 upfront
TaxNone
Comp Dep20.0% upfront 200.00 ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component44.7% (Int+Fee)
Insurance Component0.9% - 44.8%
Tax Component Range0.0% - 0
Full APR (int fee ins tax dep)71.1%
Transparency Index (min/max)15 - 49
Transparency Index (average)42

Product Summary

15,264
KHR 200,000 - 20,000,000
1 - 30
27.6%-42.0% annual, Decl Bal
0.20% upfront
None
None
N/A
 
21.7% - 36.0%
0.2% - 0.4%
0
0
30.3% - 33.5%
59 - 99
89

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 640,000
Portfolio (USD)USD 15,311
Active Clients with Loans100
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
The loan is for agricultural micro-entrepreneurs and farmers from ABK-assisted areas of World Vision Devt. Foundation providing financial assistance for Hog Fattening, Sow and Boar, Feeds and Supplements.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
OtherHog-raising
Other (2)
Included Services
Credit educationx
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 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 23,394,280,800
Portfolio (USD)USD 5,922,602.73
Active Clients with Loans15,264
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Micro Loan is a KHR currency loan to all sectors.
Loan Purpose
Any purposex
Income generation
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 institution22
# Regions for this product22
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh KongKratié, Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 10,000
Maximum loan size10,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term5.0 months
Approx average4.0 months
Grace Period
Grace period usage100%
Average grace period1.0 month
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

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 200,000
Maximum loan size20,000,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,0000
KHR 1,000,000-3,500,00030%
KHR 3,500,000-6,000,00030%
KHR 6,000,000-8,000,00015%
KHR 8,000,000-10,000,00010%
Greater than KHR 10,000,00010%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term30.0 months
Approx average15.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months90%
Between 13 and 18 months0
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
DescriptionLoan Fee
% of loan amount - min4.00%
% of loan amount - max4.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionTASAKA
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min340
Fixed amount - max340
Reason for variationN/A
Appears on Repayment Sched?Yes
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 deposited20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 200
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid3.00%
Maximum interest rate paid3.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No
Additional Comments
A pre-CBU of Php 2 is required on the first loan cycle and a minimum of Php 5 CBU is required. Maintaining balance is 2% of the loan amount. For World Vision Development Foundation-Area Development Project (ADP) served clients, of the Php 5, Php 3 would be the CBU and Php 2 for educational fund.

Pricing Information

Interest
Lowest quoted nominal interest2.30%
Highest quoted nominal interest3.50%
Reason(s) why interest rate variesTime as Client, Loan Size, 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
Fee 1
DescriptionUpfront fee
% of loan amount - min0.20%
% of loan amount - max0.20%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationFee charged are based on loan size.
Appears on Repayment Sched?No
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

BABE Loan samples
Sample 1Sample 2Sample 3
Loan AmountPHP 10,740PHP 10,740PHP 10,740
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-06-062011-06-062011-06-06
Loan Term (Months)4.0 months4.0 months4.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component44.7%44.7%44.7%
Insurance Component12.2%12.2%12.2%
Tax Component0.0%0.0%0.0%
Deposit Component14.1%14.1%14.1%
Full APR (int fee ins tax dep)71.1%71.1%71.1%
Transparency Index424242
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Micro Loan KHR samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountKHR 300,000KHR 600,000KHR 1,200,000KHR 2,500,000KHR 7,200,000KHR 12,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-03-212013-01-222013-01-022013-02-122013-03-202013-01-16
Loan Term (Months)11.0 months12.0 months10.0 months12.0 months25.0 months24.0 months
Grace Period (Months)0.6 months-0.2 months0.0 months-0.1 months0.5 months0.0 months
Total Cost of CreditKHR 52,000KHR 96,000KHR 168,900KHR 414,800KHR 2,384,500KHR 3,813,200
True Price by Comp           
Interest price component33.1%30.1%30.1%30.0%30.0%30.1%
Fee Component0.4%0.4%0.4%0.4%0.3%0.2%
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)33.5%30.5%30.5%30.4%30.3%30.3%
Transparency Index829190919191
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
BABE Loan Price Graphs


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Micro 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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