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Institution
Data approved: 2013-04-04
Data version: 3
Age of data: 144 months
Description
Agricultural loan refers to any loan used for agriculutural activities or business or income generating activities that earn only seasonal incomes, eg. Pig raising, vegetable growing, rice farming, etc.
Any purpose Income generation Mortgage/housing Consumer loan Agriculture x Education Other household finance Other Other (2)
Credit education x Group meetings x Credit insurance x Workplace visits Business training x Other training x Other Other (2) No other services
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)
Portfolio Size by Product
Geographic Coverage
# Regions for this institution 20 # Regions for this product 2 Regions Active Banteay Meanchey, Battambang
Loan Conditions
Currency THB Minimum loan size THB 800 Maximum loan size 14,000
Loans less than THB 10,000 50% THB 10,000-30,000 50% 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 3.0 months Longest loan term 12.0 months Approx average 10.0 months
Loans 3 months or less 0 Between 4 and 6 months 0 Between 7 and 9 months 0 Between 10 and 12 months 100% Between 13 and 18 months 0 Longer than 18 months 0
Daily Weekly Every 2 weeks Every 4 weeks Monthly x Every 2 months x Quarterly x Every 6 months x Every 12 months Single end payment x Irregular payments
Pricing Information
Interest
Lowest quoted nominal interest 2.80% Highest quoted nominal interest 3.00% Reason(s) why interest rate varies Branch, Client Risk 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 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
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
Additional Comments
Financial education is part of our services to clients. Funeral benefits for clients, spouse, and children are also included as part of the insurance benefit, but we do not charge any additional fee/premium from them, other than interest on loan.
Agricultural Loan - Community Bank - THB Price Graphs
0 100 Pricing Transparency Index Regulated Inst. Not Regulated Inst. NBFI Institution Type Agriculture Loan Purpose VF Cambodia Institution KH-014-V03-P18 Product KH Country 2013 Year Range Number 3 Institution Data Version 0 2,000 4,000 6,000 8,000 10,000 Loan Size (all) 0% 10% 20% 30% Full APR (int fee ins tax dep) > 2,500 1,800 1,200 600 70 Number of Borrowers
