Number borrowers | 966 |
Loan Amount (range) | PHP 10,000 - 150,000 |
Loan Term (range) | 2.1 - 6 |
Other Services (text summary) | Credit Educ, Group Mtgs, Other Training, Client Orientation |
Annual Interest & Method | 30.0% annual, Flat |
Fees | 1.00%-3.00% upfront |
Insurance | None |
Tax | None |
Comp Dep | 5.0% upfront 10.00% ongoing |
Range of pricing | |
Interest Price Component | N/A |
Fee Component | 58.4% - 78.3% (Int+Fee) |
Insurance Component | 0 |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 69.7% - 97.3% |
Transparency Index (min/max) | 0 - N/A |
Transparency Index (average) | 38 |
9,338 |
KHR 300,000 - 200,000,000 |
4 - 48 |
25.2%-32.4% annual, Decl Bal |
None |
None |
None |
N/A |
14.5% - 34.8% |
0 |
0 |
0 |
25.3% - 30.1% |
52 - 100 |
89 |
Outstanding portfolio (PHP) | PHP 61,800,000 |
Portfolio (USD) | USD 1,478,468.90 |
Active Clients with Loans | 966 |
Approximate % Female Clients | 60% - 80% |
Approximate % Urban Clients | 60% - 80% |
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 | |
Workplace visits | |
Business training | |
Other training | x |
Other | Client Orientation |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | Between 20-60 years of age |
Other (2) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Outstanding portfolio (KHR) | KHR 30,576,283,637 |
Portfolio (USD) | USD 7,740,831.30 |
Active Clients with Loans | 9,338 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | |
Mortgage/housing | x |
Consumer loan | x |
Agriculture | |
Education | x |
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 | 24 |
# Regions for this product | 24 |
Regions Active | Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Mondulkiri , Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo |
Currency | PHP |
Minimum loan size | PHP 10,000 |
Maximum loan size | 150,000 |
Shortest loan term | 2.1 months |
Longest loan term | 6.0 months |
Approx average | 6.0 months |
Grace period usage | 0 |
Average grace period | 0 |
Daily | x |
Weekly | x |
Every 2 weeks | x |
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 300,000 |
Maximum loan size | 200,000,000 |
Loans less than KHR 1,000,000 | 0 |
KHR 1,000,000-3,500,000 | 20% |
KHR 3,500,000-6,000,000 | 30% |
KHR 6,000,000-8,000,000 | 20% |
KHR 8,000,000-10,000,000 | 10% |
Greater than KHR 10,000,000 | 10% |
Shortest loan term | 4.0 months |
Longest loan term | 48.0 months |
Approx average | 19.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 15% |
Between 13 and 18 months | 5% |
Longer than 18 months | 80% |
Grace period usage | 10% |
Average grace period | 2.0 months |
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 |
Lowest quoted nominal interest | 2.50% |
Highest quoted nominal interest | 2.50% |
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 Fee |
% of loan amount - min | 1.00% |
% of loan amount - max | 3.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | |
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 | 5.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 10.00% |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | End Term |
Minimum interest rate paid | 2.00% |
Maximum interest rate paid | 2.00% |
Interest payment frequency | Monthly |
Are taxes charged on this product? | No |
Lowest quoted nominal interest | 2.10% |
Highest quoted nominal interest | 2.70% |
Reason(s) why interest rate varies | Loan Size |
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 | Sample 4 | Sample 5 | |||||
---|---|---|---|---|---|---|---|---|---|
Loan Amount | PHP 15,000 | PHP 30,000 | PHP 50,000 | PHP 85,000 | PHP 120,000 | ||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
Disbursement Date | 2011-06-08 | 2011-06-08 | 2011-06-08 | 2011-05-31 | 2011-06-08 | ||||
Loan Term (Months) | 3.0 months | 4.0 months | 6.1 months | 6.1 months | 4.0 months | ||||
Grace Period (Months) | 0.0 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 | Not Known | ||||
True Price by Comp | |||||||||
Interest and Fee Component | 78.3% | 62.4% | 63.8% | 59.6% | 58.4% | ||||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Deposit Component | 19.0% | 15.7% | 16.2% | 14.0% | 11.3% | ||||
Full APR (int fee ins tax dep) | 97.3% | 78.1% | 79.9% | 73.6% | 69.7% | ||||
Transparency Index | 31 | 38 | 38 | 41 | 43 | ||||
Original Repayment Schedule | |||||||||
MFT Pricing Calculation |
Sample 3 | Sample 4 | Sample 5 | Sample 6 | ||||
---|---|---|---|---|---|---|---|
Loan Amount | KHR 2,400,000 | KHR 3,000,000 | KHR 7,000,000 | KHR 12,000,000 | |||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
Disbursement Date | 2012-12-27 | 2013-02-12 | 2012-09-20 | 2012-12-06 | |||
Loan Term (Months) | 12.0 months | 24.0 months | 20.0 months | 25.0 months | |||
Grace Period (Months) | -0.3 months | -0.4 months | -0.1 months | 0.3 months | |||
Total Cost of Credit | KHR 375,834 | KHR 922,292 | KHR 1,698,284 | KHR 3,274,250 | |||
True Price by Comp | |||||||
Interest price component | 30.1% | 30.1% | 27.7% | 25.3% | |||
Fee Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Full APR (int fee ins tax dep) | 30.1% | 30.1% | 27.7% | 25.3% | |||
Transparency Index | 84 | 84 | 91 | 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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