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Institution

ACLEDA Bank Plc. #61, Preah Monivong Blvd.Sangkat Srah Chork, Khan Daun PenhPhnom Penh, CambodiaN/A
Data approved: 2011-02-02
Data version: 2
Age of data: 160 months

Institution

Union Rural Bank Limited Head OfficeSenya Bereku, Central RegionP.O. Box 5
Data approved: 2013-02-26
Data version: 2
Age of data: 132 months
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Product

Small Loan (KHR) Product 4 of 6 « Prev | Next »

Product

Mobile Banking Loan Product 5 of 5 « Prev | Next »

Product Summary

Number borrowers5,221
Loan Amount (range)KHR 6,000,001 - 39,999,999
Loan Term (range)6 - 24
Other Services (text summary)
Annual Interest & Method24.0%-28.8% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component26.8% - 29.2% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)26.8% - 29.2%
Transparency Index (min/max)78 - 95
Transparency Index (average)87

Product Summary

140
GHS 200 - 25,000
1 - 12
Credit Educ, Business Training
48.00% annual, Flat
2 fees
None
None
10.00% upfront
 
51.3% - 85.2%
6.0% - 24.9%
0
0
127.1% - 130.5%
37 - 56
37

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 36,367,059,091
Portfolio (USD)USD 9,206,850.40
Active Clients with Loans5,221
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Small Loan is developed to support financial sources to Borrowers for expansion of their businesses, including manufactures, trades, agriculture, services and tourism for individuals.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
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

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 189,042.91
Portfolio (USD)USD 95,960.87
Active Clients with Loans140
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Designed for indiviuals with business utilizing mobile banking technology.
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 insurance
Workplace visits
Business trainingx
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 worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product2
Regions ActiveGreater Accra Region, Central Region

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 6,000,001
Maximum loan size39,999,999
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term24.0 months
Approx average12.0 months
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
CurrencyGHS
Minimum loan sizeGHS 200
Maximum loan size25,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,0000
GHS 1,000-5,0000
GHS 5,000-7,50010%
GHS 7,500-10,00010%
GHS 10,000-13,00015%
Greater than GHS 13,00015%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term12.0 months
Approx average12.0 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 usage100%
Average grace period1.0 month
Repayment Frequency
Daily
Weeklyx
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 interest2.00%
Highest quoted nominal interest2.40%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
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
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 interest48.00%
Highest quoted nominal interest48.00%
Reason(s) why interest rate variesClient Risk
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionLoan Form FeeCommitment Fee
% of loan amount - min05.00%
% of loan amount - max05.00%
OR, Fixed amount - min50
Fixed amount - max50
Reason for variationN/AN/A
Appears on Repayment Sched?NoYes
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?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited2.00%
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid2.00%
Maximum interest rate paid7.50%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Full Pricing Data

Small Loan (KHR) samples
Sample 3Sample 4Sample 5Sample 6
Loan AmountKHR 7,000,000KHR 7,500,000KHR 9,000,000KHR 10,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2010-10-272010-10-262010-10-282010-10-05
Loan Term (Months)12.0 months12.0 months18.0 months24.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component29.2%26.8%28.0%26.8%
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)29.2%26.8%28.0%26.8%
Transparency Index82908690
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Mobile Banking Loan samples
Sample 1Sample 2Sample 3
Loan AmountGHS 800GHS 1,000GHS 2,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2012-12-192012-12-172012-12-20
Loan Term (Months)5.9 months6.0 months5.9 months
Grace Period (Months)0.3 months0.4 months0.3 months
Total Cost of CreditGHS 237GHS 295GHS 585
True Price by Comp     
Interest price component83.8%82.4%85.2%
Fee Component23.4%22.5%22.2%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component22.9%22.2%23.1%
Full APR (int fee ins tax dep)130.1%127.1%130.5%
Transparency Index373837
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Small Loan (KHR) Price Graphs


Mobile Banking Loan Price Graphs


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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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