2. RUCREF
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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

Rural Credit Finance Company Ltd Roberta PlazaPlot 202/203, Hoima RoadKampala, Central RegionPO Box 29632
Data approved: 2011-06-29
Data version: 1
Age of data: 163 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

Individual Business loans Product 4 of 4 « Prev | Next »

Product

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

Product Summary

Number borrowers1,369
Loan Amount (range)UGX 500,000 - 15,000,000
Loan Term (range)4 - 10
Other Services (text summary)Credit Educ, Credit Ins
Annual Interest & Method48.00% annual, Flat
Fees2 fees
Insurance1.00% upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component89.5% - 96.4% (Int+Fee)
Insurance Component0 - 6.9%
Tax Component Range0
Full APR (int fee ins tax dep)92.3% - 100.6%
Transparency Index (min/max)38 - 58
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 (UGX)UGX 1,399,203,000
Portfolio (USD)USD 559,681
Active Clients with Loans1,369
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Targeted to people running businesses both urban and rural
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveCentral

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
CurrencyUGX
Minimum loan sizeUGX 500,000
Maximum loan size15,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00020%
UGX 1,000,000-5,000,00015%
UGX 5,000,000-7,500,00015%
UGX 7,500,000-10,000,00015%
UGX 10,000,000-13,000,00015%
Greater than UGX 13,000,00015%
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term10.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months30%
Between 7 and 9 months40%
Between 10 and 12 months30%
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

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 interest4.00%
Highest quoted nominal interest4.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionApplication FeeCommission, Stamp Duty & Bank Charges
% of loan amount - min1.00%3.00%
% of loan amount - max1.00%3.33%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variation1% or 10,000Commission(2%), Stamp Duty (5000-1%), Bank Charges (0.33% or 5000)
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Life Insurance
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
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

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

Individual Business loans samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUGX 700,000UGX 1,500,000UGX 3,000,000UGX 6,000,000UGX 8,000,000UGX 12,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known00
Disbursement Date2010-11-202010-11-092010-11-092010-11-292010-11-152010-11-20
Loan Term (Months)6.0 months6.0 months6.0 months10.0 months8.0 months3.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component96.4%93.3%92.6%89.5%90.6%92.9%
Insurance Component4.2%4.1%4.1%2.8%3.3%6.9%
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)100.6%97.4%96.7%92.3%93.9%99.8%
Transparency Index484950525148
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

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
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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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