2. SEDP
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  2. TPC
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Simbag sa Pag-Asenso, Inc. 3/F SAC Building, Cathedral CompoundAlbay DistrictLegazpi City4500
Data approved: 2011-11-15
Data version: 1
Age of data: 158 months

Institution

Thaneakea Phum Cambodia Ltd. #94, Street 360, Sangkat Boeng Kengkang IIIKhan ChamkrmonPhnom Penh, Cambodia
Data approved: 2013-03-21
Data version: 3
Age of data: 139 months
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Product

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Product Summary

Number borrowers4,828
Loan Amount (range)PHP 1,000 - 20,000
Loan Term (range)5 - 10
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Annual Interest & Method24.0% annual, Flat
Fees3.00% upfront
Insurance2.00% upfront 20.00 ongoing
TaxNone
Comp Dep5.0% upfront 10.00 ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component57.4% - 71.3% (Int+Fee)
Insurance Component6.4% - 75.9%
Tax Component Range0
Full APR (int fee ins tax dep)69.8% - 94.1%
Transparency Index (min/max)15 - 34
Transparency Index (average)29

Product Summary

11,133
USD 200 - 5,000
3 - 24
21.6%-30.0% annual, Decl Bal
0.20-2.90 upfront
None
None
N/A
 
21.7% - 37.1%
0 - 1.6%
0
0
21.8% - 31.1%
68 - 99
81

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 21,130,731
Portfolio (USD)USD 505,519.88
Active Clients with Loans4,828
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
OtherModified Grameen
Description
An incentive loan given to members with good AR & RR performance which is intended for the acquisition of housing materials for improvement/ repair of an existing house. Loan ranges from P1,000-20,000.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried worker
Must be specific age group
OtherMember for > 6 months
Other (2)At least on the 2nd cycle of regular loan
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (USD)USD 12,043,949.70
Portfolio (USD)USD 12,043,949.70
Active Clients with Loans11,133
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
The Individual Loan Product (ILP) is for individual entrepreneurs that require bigger loan size for additional working capital or acquisition of fixed assets. Target clients are those that have small or medium size businesses requiring loans.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution13
# Regions for this product13
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Speu, Kampot, KandalKratié, Oddar Meancheay, Phnom Penh, Prey VengSiem Reap, Svay Rieng, Takéo

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 1,000
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term5.0 months
Longest loan term10.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 200
Maximum loan size5,000
Distribution at Disbursement (Est.)
Loans less than USD 2505%
USD 250-1,00030%
USD 1,000-1,50030%
USD 1,500-2,00020%
USD 2,000-2,50010%
Greater than USD 2,50010%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months10%
Between 10 and 12 months30%
Between 13 and 18 months60%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeksx
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest2.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionService Fee
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLoan Redemption Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
Ins 1
DescriptionLife Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min20
Fixed amount - max20
Reason for variationN/A
Appears on Repayment Sched?No
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited5.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 10
Conditions on access to depositWhen Leaving
Interest Paid on Deposit
Minimum interest rate paid4.00%
Maximum interest rate paid4.00%
Interest payment frequencyQuarterly
Taxes
Are taxes charged on this product?No
Additional Comments
With CBU withdrawability policy where client can withdraw CBU any time.

Pricing Information

Interest
Lowest quoted nominal interest1.80%
Highest quoted nominal interest2.50%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCredit Bureau Cambodia - CBC Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min0.20
Fixed amount - max2.90
Reason for variationCharge 800KHR/0.19USD for loan size <2,000,000 KHR/482USD. Charge 12,000 KHR/2.9USD for > 2,000,000 KHR
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Balay Asenso samples
Sample 1Sample 2Sample 3
Loan AmountPHP 3,000PHP 7,000PHP 14,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-06-292011-06-302011-06-07
Loan Term (Months)4.0 months6.0 months9.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component71.3%64.1%57.4%
Insurance Component14.2%9.6%6.4%
Tax Component0.0%0.0%0.0%
Deposit Component8.6%7.2%6.0%
Full APR (int fee ins tax dep)94.1%80.9%69.8%
Transparency Index253034
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Individual Loan (USD) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 300USD 600USD 1,300USD 1,800USD 2,500USD 3,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-01-142013-02-212013-02-182013-02-132013-02-262013-02-07
Loan Term (Months)12.0 months13.0 months15.0 months24.0 months24.0 months18.0 months
Grace Period (Months)-0.4 months0.4 months-0.3 months0.0 months-0.2 months0.0 months
Total Cost of CreditUSD 47.73USD 108.28USD 256.18USD 459.90USD 613.62USD 523.80
True Price by Comp           
Interest price component31.0%30.0%30.1%24.1%23.5%21.7%
Fee Component0.1%0.9%0.4%0.2%0.1%0.1%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)31.1%30.9%30.5%24.3%23.6%21.8%
Transparency Index697071899199
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Balay Asenso Price Graphs


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Individual Loan (USD) Price Graphs


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Key Statistics
# 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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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