2. BG
Please note that the information you are viewing is 162 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Buusaa Gonofaa MFI Debrezeit RoadKirkos SubcityAddis AbabaPO Box 24850
Data approved: 2011-12-23
Data version: 1
Age of data: 162 months

Product

General Purpose Loan - Homa Homa - Variable Product 4 of 4 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (ETB)ETB 8,000,000
Portfolio (USD)USD 434,782.61
Active Clients with Loans5,000
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
This is an agriculture / business loan paid in two stages to match harvest seasons. 30% of the loan is paid in the first half of the loan term and 70% at the end of the loan. There are interest payment grace periods during the rainy season.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
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
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyETB
Minimum loan sizeETB 200
Maximum loan size5,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average10.0 months
Grace Period
Grace period usage100%
Average grace perioddk
Repayment Frequency
Daily
Weekly
Every 2 weeksx
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 interest24.00%
Highest quoted nominal interest24.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionService Charge
% of loan amount - min0.50%
% of loan amount - max0.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00% - N/A
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedETB 10 - N/A
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid5.00%
Maximum interest rate paid5.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Full Pricing Data

General Purpose Loan - Homa Homa - Variable samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountETB 600ETB 1,000ETB 1,500ETB 2,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-05-182011-05-182011-05-182011-05-18
Loan Term (Months)11.2 months11.2 months11.2 months11.2 months
Grace Period (Months)15.0 months15.0 months14.0 months15.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component36.6%35.4%39.3%35.4%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component8.7%6.5%7.6%6.4%
Full APR (int fee ins tax dep)45.4%41.8%46.9%41.7%
Transparency Index53575158
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
General Purpose Loan - Homa Homa - Variable Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeMultipleLoan PurposeBGInstitutionET-003-V01-P04ProductETCountry2011YearRange Number1Institution Data Version05001,0001,5002,000Loan Size (all)0%10%20%30%40%50%Full APR (int fee ins tax dep)> 2,5001,8001,20060060Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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  2. KREDIT
Please note that the information you are viewing is 144 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

CREDIT #17, Street 163ChamkarmornPhnom Penh, PPN/A
Data approved: 2011-02-02
Data version: 2
Age of data: -   months 
Choose version

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.credit.com.kh/
Year established2000
Head of InstitutionChan Mach
Regions active0
# Branches9

Total Portfolio (nat'l)KHR 125,183,000,000
Total Portfolio (USD)USD 31,295,868.90
Active clients with loans48,035
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations
Funders

Loan Products » Summary

IDR-AGR-KHR
9,285 Borrowers
USD 4,356,612.39 Portfolio
Active Product
ID-AGR-USD
418 Borrowers
USD 412,581.69 Portfolio
Active Product
ID-KHR
9,692 Borrowers
USD 2,761,140.32 Portfolio
Active Product
ID-USD
18,936 Borrowers
USD 20,974,981.45 Portfolio
Active Product
SG-AGR-KHR
359 Borrowers
USD 55,401.50 Portfolio
Active Product
SG-KHR
524 Borrowers
USD 46,503.60 Portfolio
Active Product
SG-USD
67 Borrowers
USD 10,762.06 Portfolio
Active Product
SME-USD
5 Borrowers
USD 74,756.67 Portfolio
Active Product
VSU-KHR
8,390 Borrowers
USD 985,030.86 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
ID-AGR-KHR KHR 100,000 - 10,000,000 4 - 12 80% - 100% 0% - 20% Business Have business, Have home or land
ID-AGR-USD USD 100 - 2,500 4 - 12 80% - 100% 0% - 20% Business Have business, Have home or land
ID-KHR KHR 200,000 - 40,000,000 4 - 24 80% - 100% 0% - 20% Business, Housing, Consumer Have business, Have home or land
ID-USD USD 100 - 10,000 4 - 24 80% - 100% 0% - 20% Business, Housing, Consumer Have business, Have home or land
SG-AGR-KHR KHR 100,000 - 1,200,000 4 - 12 80% - 100% 0% - 20% Business, Housing Have business, Have home or land Group Mtgs
SG-KHR KHR 100,000 - 1,200,000 4 - 12 80% - 100% 0% - 20% Business, Housing, Consumer Have business, Have home or land Group Mtgs
SG-USD USD 50 - 300 4 - 12 80% - 100% 0% - 20% Business, Housing, Consumer Have business, Have home or land Credit Educ, Group Mtgs
SME-USD USD 10,000 - 30,000 4 - 24 80% - 100% 80% - 100% Business Have business, Have home or land
VSU-KHR KHR 50,000 - 1,000,000 4 - 12 80% - 100% 0% - 20% Any Purpose Credit Educ, Group Mtgs, Tech Asst Visits, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
ID-AGR-KHR 30.0%-36.0% annual, Flat 0 Fees 0 Ins None N/A 30.4% - 36.5% 30.4% - 36.5% 85
ID-AGR-USD 33.6%-36.0% annual, Flat 0 Fees 0 Ins None N/A 32.8% - 33.5% 32.8% - 33.5% 100
ID-KHR 24.0%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 34.1% - 36.5% 34.1% - 36.5% 67
ID-USD 21.6%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 23.1% - 31.1% 23.1% - 31.1% 79
SG-AGR-KHR 36.0% annual, Flat 0 Fees 0 Ins None N/A 36.5% - 36.6% 36.5% - 36.6% 98
SG-KHR 36.0% annual, Flat 0 Fees 0 Ins None N/A 36.5% 36.5% 99
SG-USD 30.0%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 28.8% - 31.2% 28.8% - 31.2% 100
SME-USD 19.2%-21.6% annual, Decl Bal 2 Fees 0 Ins None N/A 20% - 22.5% 20% - 22.5% 92
VSU-KHR 34.2% annual, Flat 0 Fees 0 Ins None N/A 34.6% - 34.7% 34.6% - 34.7% 99
Institution Price Graph
Microloan Products offered in KHR0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeAnyBusinessMultipleLoan PurposeKREDITInstitutionKH-005-V02-P01KH-005-V02-P03KH-005-V02-P05KH-005-V02-P06KH-005-V02-P09ProductKHCountry2011YearRange Number2Institution Data Version02,000,0004,000,0006,000,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 4,1003,1002,0001,000100Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Microloan Products offered in USD0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeBusinessLoan PurposeKREDITInstitutionKH-005-V02-P02KH-005-V02-P04KH-005-V02-P07KH-005-V02-P08ProductKHCountry2011YearRange Number2Institution Data Version05,00010,00015,00020,00025,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 3,7002,8001,800900100Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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Caps / Zoom options
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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