Number borrowers | 8,962 |
Loan Amount (range) | PHP 3,000 - 15,000 |
Loan Term (range) | 3 - 6 |
Other Services (text summary) | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training |
Annual Interest & Method | 36.0% annual, Flat |
Fees | 1.00% upfront |
Insurance | 1.00% upfront 10.00 ongoing |
Tax | None |
Comp Dep | 3.0% upfront 100.00 upfront 10.00 ongoing |
Range of pricing | |
Interest Price Component | N/A |
Fee Component | 90.8% - 138.9% (Int+Fee) |
Insurance Component | 0.9% - 20.3% |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 112.2% - 202.2% |
Transparency Index (min/max) | 18 - 105 |
Transparency Index (average) | 27 |
18,454 |
KHR 50,000 - 1,200,000 |
4 - 12 |
Credit Educ, Group Mtgs, Tech Asst Visits, Other Training |
34.2% annual, Decl Bal |
None |
None |
None |
N/A |
21.7% - 36.1% |
0 - 0.8% |
0 |
0 |
32.0% - 32.2% |
65 - 107 |
100 |
Outstanding portfolio (PHP) | PHP 67,214,449 |
Portfolio (USD) | USD 1,608,001.17 |
Active Clients with Loans | 8,962 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 20% - 40% |
Individual | x |
Solidarity group | x |
Village banking | x |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | |
Workplace visits | x |
Business training | x |
Other training | x |
Other | |
Other (2) | |
No other services |
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) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Outstanding portfolio (KHR) | KHR 15,602,858,617 |
Portfolio (USD) | USD 3,950,090.79 |
Active Clients with Loans | 18,454 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
Individual | |
Solidarity group | |
Village banking | x |
Self help group | |
Other |
Any purpose | x |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | |
Workplace visits | x |
Business training | |
Other training | x |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# 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 |
Currency | PHP |
Minimum loan size | PHP 3,000 |
Maximum loan size | 15,000 |
Shortest loan term | 3.0 months |
Longest loan term | 6.0 months |
Approx average | 6.0 months |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | x |
Every 2 weeks | |
Every 4 weeks | |
Monthly | |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Currency | KHR |
Minimum loan size | KHR 50,000 |
Maximum loan size | 1,200,000 |
Loans less than KHR 1,000,000 | 10% |
KHR 1,000,000-3,500,000 | 90% |
KHR 3,500,000-6,000,000 | 0 |
KHR 6,000,000-8,000,000 | 0 |
KHR 8,000,000-10,000,000 | 0 |
Greater than KHR 10,000,000 | 0 |
Shortest loan term | 4.0 months |
Longest loan term | 12.0 months |
Approx average | 11.0 months |
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 usage | 0 |
Average grace period | 0 |
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 |
Lowest quoted nominal interest | 3.00% |
Highest quoted nominal interest | 3.00% |
Interest rate period | Monthly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Service Charge |
% of loan amount - min | 1.00% |
% of loan amount - max | 1.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | |
Appears on Repayment Sched? | No |
Ins 1 | |
---|---|
Description | Credit Insurance |
% of loan amount - min | 1.00% |
% of loan amount - max | 1.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
Ins 1 | |
---|---|
Description | Mutual Fund |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 10 |
Fixed amount - max | 10 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | |
Do borrowers control deposit in their group? |
% loan amount deposited | 3.00% |
or, Fixed-amount deposited | PHP 100 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | PHP 10 |
Conditions on access to deposit | Access During |
Minimum interest rate paid | 5.00% |
Maximum interest rate paid | 5.00% |
Interest payment frequency | Annually |
Are taxes charged on this product? | No |
Lowest quoted nominal interest | 2.85% |
Highest quoted nominal interest | 2.85% |
Interest rate period | Monthly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | PHP 3,000 | PHP 8,000 | PHP 15,000 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2011-08-24 | 2011-08-05 | 2011-09-02 | ||
Loan Term (Months) | 6.0 months | 6.0 months | 6.0 months | ||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | ||
Total Cost of Credit | Not Known | Not Known | Not Known | ||
True Price by Comp | |||||
Interest and Fee Component | 138.9% | 90.8% | 90.9% | ||
Insurance Component | 20.3% | 10.0% | 7.3% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 43.1% | 17.1% | 13.9% | ||
Full APR (int fee ins tax dep) | 202.2% | 117.8% | 112.2% | ||
Transparency Index | 18 | 31 | 32 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
Sample 1 | Sample 2 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | KHR 200,000 | KHR 500,000 | KHR 1,100,000 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2013-03-27 | 2013-03-27 | 2013-03-27 | ||
Loan Term (Months) | 11.0 months | 11.0 months | 12.0 months | ||
Grace Period (Months) | 10.1 months | 10.1 months | 11.1 months | ||
Total Cost of Credit | KHR 64,573 | KHR 161,433 | KHR 383,862 | ||
True Price by Comp | |||||
Interest price component | 32.0% | 32.0% | 32.2% | ||
Fee Component | 0.0% | 0.0% | 0.0% | ||
Insurance Component | 0.0% | 0.0% | 0.0% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 0.0% | 0.0% | 0.0% | ||
Full APR (int fee ins tax dep) | 32.0% | 32.0% | 32.2% | ||
Transparency Index | 100 | 100 | 100 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
Key Statistics | |
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# 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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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