| Outstanding portfolio (THB) | THB 5,343,555 |
| Portfolio (USD) | USD 181,137.46 |
| Active Clients with Loans | 878 |
| Approximate % Female Clients | 60% - 80% |
| Approximate % Urban Clients | 0% - 20% |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | |
| Group meetings | |
| Credit insurance | x |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services | x |
| 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 | x |
| Other | |
| Other (2) |
| # Regions for this institution | 7 |
| # Regions for this product | 2 |
| Regions Active | Banteay Meanchey, Battambang |
| Currency | THB |
| Minimum loan size | THB 4,000 |
| Maximum loan size | 24,000 |
| Loans less than THB 10,000 | 10% |
| THB 10,000-30,000 | 90% |
| THB 30,000-50,000 | 0 |
| THB 50,000-70,000 | 0 |
| THB 70,000-90,000 | 0 |
| Greater than THB 90,000 | 0 |
| Shortest loan term | 1.0 month |
| Longest loan term | 12.0 months |
| Approx average | 9.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 0 |
| Between 7 and 9 months | 10% |
| Between 10 and 12 months | 90% |
| Between 13 and 18 months | 0 |
| Longer than 18 months | 0 |
| Grace period usage | 0 |
| Average grace period | 0 |
| 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 |
| Lowest quoted nominal interest | 3.00% |
| Highest quoted nominal interest | 3.00% |
| Reason(s) why interest rate varies | All branches, loan size, loan term are the same interest rate. |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | No |
| Do borrowers control deposit in their group? | Yes |
| % loan amount deposited | 3.00% |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | 0 |
| Conditions on access to deposit | Final Pmt |
| Minimum interest rate paid | 6.00% |
| Maximum interest rate paid | 6.00% |
| Interest payment frequency | Monthly |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | THB 4,000 | THB 8,000 | THB 20,000 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
| Disbursement Date | 2012-11-06 | 2013-07-17 | 2013-05-31 | ||
| Loan Term (Months) | 12.0 months | 12.0 months | 12.0 months | ||
| Grace Period (Months) | 11.4 months | -0.2 months | 0.2 months | ||
| Total Cost of Credit | THB 1,484 | THB 1,402 | THB 3,730 | ||
| True Price by Comp | |||||
| Interest price component | 36.0% | 33.1% | 32.9% | ||
| Fee Component | 0.0% | 0.0% | 0.0% | ||
| Insurance Component | 0.0% | 0.0% | 0.0% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 1.1% | 1.8% | 1.9% | ||
| Full APR (int fee ins tax dep) | 37.1% | 34.9% | 34.8% | ||
| Transparency Index | 97 | 100 | 100 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| KBL | 468,300 | 120,082,000 | 16 | 118 |
| KF | 233,600 | 41,416,000 | 4 | 117 |
| NRSP | 399,900 | 70,157,000 | 3 | 118 |
| ASA | 230,400 | 29,637,000 | 3 | 118 |
| TMFB | 221,200 | 85,449,000 | 7 | 118 |
| FMFB | 163,544 | 38,481,323 | 9 | 136 |
| TRDP | 100,000 | 13,817,000 | 3 | 118 |
| PRSP | 75,656 | 9,907,176 | 3 | 136 |
| BRAC^P | 57,300 | 11,869,000 | 3 | 118 |
| SRSO | 51,100 | 7,775,000 | 3 | 118 |
| SSF | 46,000 | 4,776,000 | 3 | 118 |
| FINCA | 82,000 | 43,559,000 | 9 | 118 |
| JWS | 36,000 | 6,545,000 | 2 | 118 |
| RCDS | 35,552 | 4,856,122 | 4 | 136 |
| DAMEN | 35,185 | 7,150,864 | 1 | 136 |
| FFO | 22,400 | 3,335,000 | 3 | 118 |
| OLP | 21,400 | 3,510,000 | 3 | 118 |
| CSC | 17,600 | 3,147,000 | 1 | 118 |
| AMRDO | 13,800 | 1,206,000 | 5 | 118 |
| WMBL | 13,800 | 6,105,000 | 3 | 118 |
| Mojaz | 13,400 | 2,415,000 | 2 | 118 |
| SDF | 11,500 | 1,041,000 | 4 | 118 |
| POMFB | 8,500 | 2,795,000 | 4 | 118 |
| OPD | 7,500 | 918,000 | 2 | 118 |
| AGAHE | 7,300 | 797,000 | 2 | 118 |
| NRDP | 6,184 | 1,521,972 | 3 | 136 |
| GBTI | 6,100 | 669,000 | 3 | 136 |
| WASIL | 4,300 | 1,135,000 | 2 | 118 |
| Micro Options | 4,000 | 768,000 | 5 | 118 |
| VDO | 3,900 | 489,000 | 3 | 136 |
| SVDP | 3,900 | 811,000 | 13 | 136 |
| SRDO | 3,500 | 766,000 | 4 | 118 |
| OSDI | 2,000 | 923,000 | 3 | 118 |
| APMBL | 1,800 | 1,401,000 | 3 | 118 |
| BEDF | 1,400 | 209,000 | 3 | 136 |
| KCDO | 800 | 94,000 | 1 | 136 |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
