Number borrowers | 5,775 |
Loan Amount (range) | PHP 5,000 - 50,000 |
Loan Term (range) | 2 - 12 |
Other Services (text summary) | Group Mtgs, Tech Asst Visits, Business Training |
Annual Interest & Method | 24.0% annual, Flat |
Fees | 12.00% upfront 100.00 upfront |
Insurance | 0.70%-1.30% upfront |
Tax | 5.00% loan amt |
Comp Dep | 5.00% ongoing |
Range of pricing | |
Interest Price Component | N/A |
Fee Component | 72.8% - 75.5% (Int+Fee) |
Insurance Component | 3.1% - 3.6% |
Tax Component Range | 5.2% - 6.4% |
Full APR (int fee ins tax dep) | 85.1% - 86.8% |
Transparency Index (min/max) | 22 - 29 |
Transparency Index (average) | 28 |
493 |
THB 8,000 - 200,000 |
3 - 12 |
30.0%-42.0% annual, Decl Bal |
5.97-92.00 upfront |
None |
None |
N/A |
21.7% - 37.1% |
0 - 1.6% |
0 |
0 |
33.0% - 36.5% |
68 - 99 |
87 |
Outstanding portfolio (PHP) | PHP 16,000,000 |
Portfolio (USD) | USD 382,775.12 |
Active Clients with Loans | 5,775 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
Individual | |
Solidarity group | x |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | x |
Credit insurance | |
Workplace visits | x |
Business training | x |
Other training | |
Other | |
Other (2) | |
No other services |
Men | |
Women | x |
Must run a business | x |
Must own a home or land | |
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 (THB) | THB 21,247,728 |
Portfolio (USD) | USD 720,261.97 |
Active Clients with Loans | 493 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services | x |
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 | 13 |
# Regions for this product | 3 |
Regions Active | Banteay Meanchey, Battambang, Oddar Meancheay |
Currency | PHP |
Minimum loan size | PHP 5,000 |
Maximum loan size | 50,000 |
Shortest loan term | 2.0 months |
Longest loan term | 12.0 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 | THB |
Minimum loan size | THB 8,000 |
Maximum loan size | 200,000 |
Loans less than THB 10,000 | 5% |
THB 10,000-30,000 | 40% |
THB 30,000-50,000 | 20% |
THB 50,000-70,000 | 20% |
THB 70,000-90,000 | 5% |
Greater than THB 90,000 | 5% |
Shortest loan term | 3.0 months |
Longest loan term | 12.0 months |
Approx average | 10.0 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 | 100% |
Average grace period | DK |
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 | x |
Lowest quoted nominal interest | 24.00% |
Highest quoted nominal interest | 24.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Fee 1 | Fee 2 | ||
---|---|---|---|
Description | Service Fee (per annum) | Notarial Fee | |
% of loan amount - min | 12.00% | 0 | |
% of loan amount - max | 12.00% | 0 | |
OR, Fixed amount - min | 0 | 100 | |
Fixed amount - max | 0 | 100 | |
Reason for variation | N/A | ||
Appears on Repayment Sched? | No | No |
Ins 1 | |
---|---|
Description | Life Insurance |
% of loan amount - min | 0.70% |
% of loan amount - max | 1.30% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | Yes |
Do borrowers control deposit in their group? |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 5.00% - N/A |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | End Term |
Minimum interest rate paid | 0.50% |
Maximum interest rate paid | 0.50% |
Interest payment frequency | Quarterly |
Are taxes charged on this product? | Yes |
Percentage of fees | 0 |
All or some fees taxed | N/A |
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 |
Fee 1 | |
---|---|
Description | Credit Bureau Cambodia - CBC Fee |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 5.97 |
Fixed amount - max | 92 |
Reason for variation | Charge 800 KHR/5.97 THB for loan size <= 2,000,000 KHR or equivalent, and charge 12,000 KHR/92.30 THB for loan over 2,000,000 KHR |
Appears on Repayment Sched? | 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 7,000 | PHP 15,000 | PHP 30,000 | ||
Loan Cycle (1, 2, 3, etc) | 3 | 11 | Not Known | ||
Disbursement Date | 2011-04-15 | 2011-06-08 | 2010-11-12 | ||
Loan Term (Months) | 6.0 months | 5.9 months | 11.8 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 | 75.5% | 72.9% | 72.8% | ||
Insurance Component | 3.1% | 3.2% | 3.4% | ||
Tax Component | 5.2% | 5.2% | 6.1% | ||
Deposit Component | 2.9% | 3.9% | 3.7% | ||
Full APR (int fee ins tax dep) | 86.8% | 85.1% | 85.9% | ||
Transparency Index | 28 | 28 | 28 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | ||||||
---|---|---|---|---|---|---|---|---|---|---|---|
Loan Amount | THB 10,000 | THB 20,000 | THB 40,000 | THB 60,000 | THB 80,000 | THB 100,000 | |||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
Disbursement Date | 2013-02-28 | 2013-02-21 | 2013-02-14 | 2013-02-08 | 2013-02-20 | 2013-02-08 | |||||
Loan Term (Months) | 13.0 months | 13.0 months | 12.0 months | 12.0 months | 12.0 months | 12.0 months | |||||
Grace Period (Months) | 11.8 months | 11.7 months | 11.3 months | 10.9 months | 11.5 months | 11.1 months | |||||
Total Cost of Credit | THB 3,594.97 | THB 7,732.30 | THB 14,812.30 | THB 19,782.30 | THB 27,437.97 | THB 33,278.30 | |||||
True Price by Comp | |||||||||||
Interest price component | 33.6% | 35.9% | 36.0% | 33.0% | 33.0% | 33.0% | |||||
Fee Component | 0.1% | 0.6% | 0.2% | 0.2% | 0.0% | 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) | 33.7% | 36.5% | 36.2% | 33.2% | 33.0% | 33.1% | |||||
Transparency Index | 89 | 82 | 83 | 90 | 91 | 91 | |||||
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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