Number borrowers | 104 |
Loan Amount (range) | PHP 10,000 - 40,000 |
Loan Term (range) | 3 - 6 |
Other Services (text summary) | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training |
Annual Interest & Method | 36.0% annual, Flat |
Fees | 2.00% upfront 100.00 upfront |
Insurance | 60.00-480.00 upfront |
Tax | None |
Comp Dep | 5.0% upfront 90.00 ongoing |
Range of pricing | |
Interest Price Component | N/A |
Fee Component | 37.0% - 53.6% (Int+Fee) |
Insurance Component | 4.5% - 5.6% |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 45.5% - 69.0% |
Transparency Index (min/max) | 20 - 88 |
Transparency Index (average) | 63 |
755 |
THB 8,000 - 200,000 |
3 - 24 |
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 |
30.2% - 34.6% |
68 - 99 |
93 |
Outstanding portfolio (PHP) | PHP 534,000 |
Portfolio (USD) | USD 12,775.12 |
Active Clients with Loans | 104 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | x |
Other |
Any purpose | |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | x |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | x |
Workplace visits | x |
Business training | x |
Other training | |
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 | x |
Other | 18-69 y.o. |
Other (2) | CI/BI |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Outstanding portfolio (THB) | THB 23,366,209 |
Portfolio (USD) | USD 792,074.88 |
Active Clients with Loans | 755 |
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 | 2 |
Regions Active | Banteay Meanchey, Battambang |
Currency | PHP |
Minimum loan size | PHP 10,000 |
Maximum loan size | 40,000 |
Shortest loan term | 3.0 months |
Longest loan term | 6.0 months |
Approx average | 0 |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | x |
Every 2 weeks | x |
Every 4 weeks | |
Monthly | x |
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 | 24.0 months |
Approx average | 18.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 30% |
Between 13 and 18 months | 50% |
Longer than 18 months | 20% |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | x |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
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 | Fee 2 | ||
---|---|---|---|
Description | Service charge | Notarial Fee | |
% of loan amount - min | 2.00% | 0 | |
% of loan amount - max | 2.00% | 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 | Loan Insurance |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 60 |
Fixed amount - max | 480 |
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 | 5.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | PHP 90 |
Conditions on access to deposit | Access During |
Minimum interest rate paid | 5.00% |
Maximum interest rate paid | 5.00% |
Interest payment frequency | Quarterly |
Are taxes charged on this product? | No |
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 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 | Sample 4 | ||||
---|---|---|---|---|---|---|---|
Loan Amount | PHP 12,000 | PHP 16,000 | PHP 30,000 | PHP 30,000 | |||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
Disbursement Date | 2011-07-01 | 2011-06-28 | 2011-07-30 | 2011-07-10 | |||
Loan Term (Months) | 6.1 months | 6.1 months | 6.0 months | 6.0 months | |||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | |||
Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | |||
True Price by Comp | |||||||
Interest and Fee Component | 43.6% | 53.6% | 47.8% | 37.0% | |||
Insurance Component | 4.8% | 4.9% | 4.5% | 4.5% | |||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Deposit Component | 10.4% | 10.5% | 5.0% | 4.1% | |||
Full APR (int fee ins tax dep) | 58.8% | 69.0% | 57.3% | 45.5% | |||
Transparency Index | 61 | 52 | 63 | 79 | |||
Original Repayment Schedule | |||||||
MFT Pricing Calculation |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | ||||||
---|---|---|---|---|---|---|---|---|---|---|---|
Loan Amount | THB 11,000 | THB 20,000 | THB 40,000 | THB 65,000 | 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 | 2013-02-22 | 2013-01-23 | 2013-02-15 | 2013-02-13 | 2013-02-15 | 2013-02-11 | |||||
Loan Term (Months) | 13.0 months | 12.0 months | 19.0 months | 13.0 months | 25.0 months | 18.0 months | |||||
Grace Period (Months) | 0.4 months | 0.0 months | 0.6 months | 0.6 months | 0.2 months | 0.0 months | |||||
Total Cost of Credit | THB 2,152.97 | THB 3,774.30 | THB 11,518.30 | THB 11,783.30 | THB 25,822.30 | THB 24,215.30 | |||||
True Price by Comp | |||||||||||
Interest price component | 33.6% | 33.7% | 33.6% | 30.0% | 30.1% | 30.1% | |||||
Fee Component | 0.1% | 0.9% | 0.3% | 0.3% | 0.1% | 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% | 34.6% | 33.9% | 30.3% | 30.2% | 30.2% | |||||
Transparency Index | 89 | 87 | 88 | 99 | 99 | 99 | |||||
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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