2. TSPI
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  2. AMK
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

Tulay sa Pag-unlad, Inc. 2363 Antipolo St.Makati1212
Data approved: 2011-11-15
Data version: 1
Age of data: 158 months

Institution

Angkor Microheranhvatho Kampuchea # 442, St. 193, Toul Svayprey 1ChamkarmornPhnom Penh, CambodiaPO Box 855
Data approved: 2013-04-26
Data version: 4
Age of data: 139 months
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Product

Educational Loan Assistance Program Product 1 of 7 « Prev | Next »

Product

Inst-VB (KHR) Product 11 of 16 « Prev | Next »

Product Summary

Number borrowers3,816
Loan Amount (range)PHP 1 - 10,000
Loan Term (range)3 - 6
Other Services (text summary)Group Mtgs
Annual Interest & Method12.0% annual, Flat
FeesNone
Insurance10.00% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component24.6% - 24.7% (Int+Fee)
Insurance Component0 - 13.8%
Tax Component Range0
Full APR (int fee ins tax dep)24.6% - 24.7%
Transparency Index (min/max)32 - 95
Transparency Index (average)49

Product Summary

65,323
KHR 10,000 - 1,000,000
3 - 12
Credit Educ, Group Mtgs, Other Training
33.6% annual, Decl Bal
0.50% upfront
None
None
N/A
 
27.1% - 36.0%
0 - 1.8%
0
0
34.7% - 34.9%
74 - 106
96

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 6,475,097.69
Portfolio (USD)USD 154,906.64
Active Clients with Loans3,816
Approximate % Female Clients80% - 100%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
This program offers loans for any school-related expenses of our clients' children. The amount of loan is determined by education level at maximum of PhP10, 000, payable in three to six months, with weekly repayment.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherTKP clients with school-age children
Other (2)
# 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 (KHR)KHR 39,146,319,300
Portfolio (USD)USD 9,910,460.58
Active Clients with Loans65,323
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village bankingx
Self help group
Other
Description
Inst-VB (KHR) is provided to solidarity groups. The installments are paid monthlyy and the fee charged at the disbursment.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visits
Business training
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 groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution24
# Regions for this product24
Regions ActiveBanteay 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

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 1
Maximum loan size10,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term6.0 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
CurrencyKHR
Minimum loan sizeKHR 10,000
Maximum loan size1,000,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,000100%
KHR 1,000,000-3,500,0000
KHR 3,500,000-6,000,0000
KHR 6,000,000-8,000,0000
KHR 8,000,000-10,000,0000
Greater than KHR 10,000,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average10.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest1.00%
Highest quoted nominal interest1.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionLife Insurance
% of loan amount - min10.00%
% of loan amount - max10.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
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

Pricing Information

Interest
Lowest quoted nominal interest2.80%
Highest quoted nominal interest2.80%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionAdministration Fee
% of loan amount - min0.50%
% of loan amount - max0.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
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
Additional Comments
This product can serve to all village bank members without limit cycles and access loan upto 1 KHR

Full Pricing Data

Educational Loan Assistance Program samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 3,000PHP 3,000PHP 7,000PHP 7,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-05-112009-05-262010-10-142010-05-27
Loan Term (Months)5.6 months5.6 months5.6 months5.6 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component24.7%24.7%24.6%24.6%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)24.7%24.7%24.6%24.6%
Transparency Index49494949
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Inst-VB (KHR) samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountKHR 200,000KHR 300,000KHR 600,000KHR 700,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-212013-02-152013-03-142013-02-08
Loan Term (Months)11.0 months11.0 months12.0 months12.0 months
Grace Period (Months)0.1 months-0.8 months-0.1 months-0.4 months
Total Cost of CreditKHR 35,700KHR 50,000KHR 112,400KHR 123,500
True Price by Comp       
Interest price component33.7%33.8%33.7%33.7%
Fee Component1.1%1.1%1.0%1.1%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)34.8%34.9%34.7%34.8%
Transparency Index97969797
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Educational Loan Assistance Program Price Graphs


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Inst-VB (KHR) 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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