Number borrowers | 4,364 |
Loan Amount (range) | PHP 6,200 - 12,400 |
Loan Term (range) | 2 - 12 |
Other Services (text summary) | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training |
Annual Interest & Method | 21.0%-60.0% annual, Flat |
Fees | 3.00% upfront 100.00 upfront |
Insurance | 24.80-297.60 upfront |
Tax | None |
Comp Dep | 20.0% upfront 80.00 ongoing |
Range of pricing | |
Interest Price Component | N/A |
Fee Component | 49.7% (Int+Fee) |
Insurance Component | 4.5% - 5.6% |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 104.4% |
Transparency Index (min/max) | 20 - 88 |
Transparency Index (average) | 20 |
67,527 |
KHR 100,000 - 1,800,000 |
3 - 12 |
Group Mtgs |
32.4%-42.0% annual, Decl Bal |
None |
None |
None |
N/A |
21.7% - 37.1% |
0 - 1.6% |
0 |
0 |
36.0% |
68 - 99 |
90 |
Outstanding portfolio (PHP) | PHP 29,689,334.19 |
Portfolio (USD) | USD 710,271.15 |
Active Clients with Loans | 4,364 |
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 | 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 (KHR) | KHR 64,542,345,800 |
Portfolio (USD) | USD 16,339,834.38 |
Active Clients with Loans | 67,527 |
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 | |
Business training | |
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 | |
Other | |
Other (2) |
# Regions for this institution | 13 |
# Regions for this product | 13 |
Regions Active | Banteay Meanchey, Battambang, Kampong Cham, Kampong Speu, Kampot, KandalKratié, Oddar Meancheay, Phnom Penh, Prey VengSiem Reap, Svay Rieng, Takéo |
Currency | PHP |
Minimum loan size | PHP 6,200 |
Maximum loan size | 12,400 |
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 | x |
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 100,000 |
Maximum loan size | 1,800,000 |
Loans less than KHR 1,000,000 | 70% |
KHR 1,000,000-3,500,000 | 30% |
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 | 3.0 months |
Longest loan term | 12.0 months |
Approx average | 11.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 10% |
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 | |
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 | 1.75% |
Highest quoted nominal interest | 5.00% |
Reason(s) why interest rate varies | Time as Client, Client Risk |
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 | 3.00% | 0 | |
% of loan amount - max | 3.00% | 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 | 24.80 |
Fixed amount - max | 297.60 |
Reason for variation | PHP 2. per one thousand x no. of months |
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 | 20.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | PHP 80 |
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 | 2.70% |
Highest quoted nominal interest | 3.50% |
Reason(s) why interest rate varies | Branch, Time as Client, Client Risk, 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 |
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 7,400 | PHP 7,400 | PHP 7,400 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2011-07-30 | 2011-08-08 | 2011-08-08 | ||
Loan Term (Months) | 6.1 months | 6.1 months | 6.1 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 | 49.7% | 49.7% | 49.7% | ||
Insurance Component | 4.9% | 4.9% | 4.9% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 49.7% | 49.7% | 49.7% | ||
Full APR (int fee ins tax dep) | 104.4% | 104.4% | 104.4% | ||
Transparency Index | 20 | 20 | 20 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
Sample 1 | Sample 2 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | KHR 200,000 | KHR 500,000 | KHR 1,200,000 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2013-02-07 | 2013-02-08 | 2013-02-26 | ||
Loan Term (Months) | 12.0 months | 12.0 months | 12.0 months | ||
Grace Period (Months) | 11.3 months | 11.1 months | 10.7 months | ||
Total Cost of Credit | KHR 74,000 | KHR 181,000 | KHR 422,400 | ||
True Price by Comp | |||||
Interest price component | 36.0% | 36.0% | 36.0% | ||
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) | 36.0% | 36.0% | 36.0% | ||
Transparency Index | 90 | 90 | 90 | ||
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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