- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
1st Valley Bank	38,900	48,291,000	3	160
AJDFI	13,100	884,000	6	160
ARDCI	44,600	9,403,000	1	160
ASA Philippines	333,400	29,282,000	1	160
ASHI	35,400	5,231,000	6	160
ASKI	60,000	15,247,000	4	160
Bangko Kabayan	8,900	2,373,000	2	160
BSEI	600	73,000	2	160
CBI	8,100	2,010,000	5	160
CCT	70,300	9,504,000	4	160
CEV	35,400	5,111,000	4	160
DSPI	59,300	3,676,000	3	160
ECLOF	5,400	1,836,000	4	160
FCB	12,000	2,392,000	2	160
FMB	2,700	710,000	2	160
GM Bank	23,500	1,553,000	3	160
HSPFI	19,100	1,899,000	2	160
JVOFI	1,300	281,000	1	160
Katipunan Bank	42,100	5,325,000	2	160
KDCI	20,500	2,095,000	3	160
KGI	32,300	3,421,000	4	160
KMBI	245,000	15,098,000	1	160
LTMPC	37,400	8,935,000	3	160
Mallig Plains	6,500	641,000	2	160
MILAMDEC	29,800	3,278,000	2	160
MWIMPC	11,800	1,740,000	4	159
NWTF	105,500	12,698,000	5	160
OFMPC	4,400	964,000	1	160
PBC	50,700	10,434,000	4	160
PCSD	700	167,000	1	160
PMPC	23,500	5,565,000	8	160
RB Angeles	900	1,502,000	2	160
RB Labason	500	289,000	1	160
RBLI	5,200	1,026,000	2	160
RBMI	11,900	1,750,000	2	160
RMB	100	173,000	1	160
RSPI	39,600	2,834,000	4	160
SAFRAGEMC	1,100	229,000	1	160
Salve	10,900	1,191,000	3	160
SEDP	27,000	3,914,000	3	160
TSKI	212,900	25,187,000	2	160
TSPI	264,500	31,290,000	7	160
Valient	1,700	672,000	2	160

Please note that the information you are viewing is 169 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

ACLEDA Bank Plc. #61, Preah Monivong Blvd.Sangkat Srah Chork, Khan Daun PenhPhnom Penh, CambodiaN/A

Data approved: 2011-02-02

Data version: 2

Age of data: 169 months

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Product

Micro Loan (USD) Product 2 of 6 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (USD)	USD 16,854,649
Portfolio (USD)	USD 16,854,649
Active Clients with Loans	26,191
Approximate % Female Clients	60% - 80%
Approximate % Urban Clients	0% - 20%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

Micro Loan is developed to support financial sources to borrowers for expansion of their businesses, including manufactures, trades, agriculture, services and tourism for individuals or group.

Loan Purpose

Any purpose
Income generation	x
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 services	x

Eligibility

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
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	USD
Minimum loan size	USD 300
Maximum loan size	1,500

Loan Term and Grace Period

Shortest loan term	6.0 months
Longest loan term	18.0 months
Approx average	12.0 months

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

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

Pricing Information

Interest

Lowest quoted nominal interest	2.40%
Highest quoted nominal interest	2.70%
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?	Yes
Is rate fixed for entire loan term	Yes

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

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Micro Loan (USD) samples

	Sample 1	Sample 2	Sample 3
Loan Amount	USD 300	USD 600	USD 1,200
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known
Disbursement Date	2010-10-01	2010-10-14	2010-10-25
Loan Term (Months)	12.0 months	12.0 months	18.0 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	31.8%	33.0%	30.5%
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)	31.8%	33.0%	30.5%
Transparency Index	90	87	94

Original Repayment Schedule	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF

Micro 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

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
Min
Max
Std Dev

By Inst Type


By Country

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