- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
1st Valley Bank	38,900	48,291,000	3	154
AJDFI	13,100	884,000	6	154
ARDCI	44,600	9,403,000	1	154
ASA Philippines	333,400	29,282,000	1	154
ASHI	35,400	5,231,000	6	154
ASKI	60,000	15,247,000	4	154
Bangko Kabayan	8,900	2,373,000	2	154
BSEI	600	73,000	2	154
CBI	8,100	2,010,000	5	154
CCT	70,300	9,504,000	4	154
CEV	35,400	5,111,000	4	154
DSPI	59,300	3,676,000	3	154
ECLOF	5,400	1,836,000	4	154
FCB	12,000	2,392,000	2	154
FMB	2,700	710,000	2	154
GM Bank	23,500	1,553,000	3	154
HSPFI	19,100	1,899,000	2	154
JVOFI	1,300	281,000	1	154
Katipunan Bank	42,100	5,325,000	2	154
KDCI	20,500	2,095,000	3	154
KGI	32,300	3,421,000	4	154
KMBI	245,000	15,098,000	1	154
LTMPC	37,400	8,935,000	3	154
Mallig Plains	6,500	641,000	2	154
MILAMDEC	29,800	3,278,000	2	154
MWIMPC	11,800	1,740,000	4	153
NWTF	105,500	12,698,000	5	154
OFMPC	4,400	964,000	1	154
PBC	50,700	10,434,000	4	154
PCSD	700	167,000	1	154
PMPC	23,500	5,565,000	8	154
RB Angeles	900	1,502,000	2	154
RB Labason	500	289,000	1	154
RBLI	5,200	1,026,000	2	154
RBMI	11,900	1,750,000	2	154
RMB	100	173,000	1	154
RSPI	39,600	2,834,000	4	154
SAFRAGEMC	1,100	229,000	1	154
Salve	10,900	1,191,000	3	154
SEDP	27,000	3,914,000	3	154
TSKI	212,900	25,187,000	2	154
TSPI	264,500	31,290,000	7	154
Valient	1,700	672,000	2	154

Please note that the information you are viewing is 135 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

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: 135 months

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Product

Credit Line (KHR) Product 1 of 16 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (KHR)	KHR 70,299,284,600
Portfolio (USD)	USD 17,797,287.24
Active Clients with Loans	84,992
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	0% - 20%

Methodology

Individual
Solidarity group
Village banking	x
Self help group
Other

Description

Credit Line (KHR) product has fee charged from clients at the moment of the loan disbursement.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education	x
Group meetings	x
Credit insurance
Workplace visits
Business training
Other training	x
Other
Other (2)
No other services

Eligibility

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)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	24
# Regions for this product	23
Regions Active	Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Mondulkiri , Oddar Meancheay, Pailin, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo

Loan Conditions

Loan Amount

Currency	KHR
Minimum loan size	KHR 50,000
Maximum loan size	1,000,000

Distribution at Disbursement (Est.)

Loans less than KHR 1,000,000	100%
KHR 1,000,000-3,500,000	0
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

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	24.0 months
Approx average	12.0 months

Distribution at Disbursement (Est.)

Loans 3 months or less	0
Between 4 and 6 months	0
Between 7 and 9 months	0
Between 10 and 12 months	30%
Between 13 and 18 months	10%
Longer than 18 months	60%

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	3.00%
Highest quoted nominal interest	3.00%
Interest rate period	Monthly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	Administration Fee
% of loan amount - min	0.50%
% of loan amount - max	0.50%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
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 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?

Additional Comments

This product for existing AMK clients who has borrowed 2 cycles and VB member only.

Full Pricing Data

Credit Line (KHR) samples

	Sample 1	Sample 2	Sample 3	Sample 4
Loan Amount	KHR 200,000	KHR 300,000	KHR 500,000	KHR 600,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2013-04-12	2013-03-09	2013-03-13	2013-04-12
Loan Term (Months)	24.0 months	12.0 months	12.0 months	12.0 months
Grace Period (Months)	23.1 months	11.0 months	10.9 months	11.0 months
Total Cost of Credit	KHR 145,800	KHR 103,200	KHR 181,000	KHR 219,000
True Price by Comp
Interest price component	36.0%	33.5%	36.0%	36.0%
Fee Component	0.3%	0.6%	0.6%	0.6%
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)	36.3%	34.1%	36.6%	36.6%
Transparency Index	99	100	98	98

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

Credit Line (KHR) Price Graphs

Click to view Price Analysis Tool

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

	X Axis
	Greater than:
	Less or equal to:
	From 0 to
	to
	to
	to ∞

Institution

Product

Product Details

Key Statistics

Methodology

Description

Loan Purpose

Included Services

Eligibility

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

Loan Conditions

Loan Amount

Distribution at Disbursement (Est.)

Loan Term and Grace Period

Distribution at Disbursement (Est.)

Grace Period

Repayment Frequency

Pricing Information

Interest

Upfront Fees

Ongoing Fees

Upfront Insurance Fees

Ongoing Insurance Fees

Compulsory Deposit

Deposit BEFORE or AT Disbursement

Deposits DURING period payments

Interest Paid on Deposit

Taxes

Additional Comments

Full Pricing Data

Credit Line (KHR) samples

Credit Line (KHR) Price Graphs

Total Borrowers of Samples

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