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Institution
Data approved: 2013-04-26
Data version: 4
Age of data: 138 months
Key Statistics
Outstanding portfolio (THB) | THB 25,643,330 |
Portfolio (USD) | USD 869,265.42 |
Active Clients with Loans | 733 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
Methodology
Individual | |
Solidarity group | x |
Village banking | |
Self help group | |
Other | |
Description
Seasonal Loan (THB) is designed for seasonal needs (rice crop, animal raising, etc.)
Loan Purpose
Any purpose | x |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | Seasonal purpose only |
Other (2) | |
Included Services
Credit education | x |
Group meetings | x |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services | |
Eligibility
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 | |
Other | |
Other (2) | |
Portfolio Size by Product
Geographic Coverage
# Regions for this institution | 24 |
# Regions for this product | 1 |
Regions Active | Banteay Meanchey |
Loan Conditions
Loan Amount
Currency | THB |
Minimum loan size | THB 5,000 |
Maximum loan size | 60,000 |
Distribution at Disbursement (Est.)
Loans less than THB 10,000 | 0 |
THB 10,000-30,000 | 40% |
THB 30,000-50,000 | 30% |
THB 50,000-70,000 | 30% |
THB 70,000-90,000 | 0 |
Greater than THB 90,000 | 0 |
Loan Term and Grace Period
Shortest loan term | 3.0 months |
Longest loan term | 12.0 months |
Approx average | 5.0 months |
Distribution at Disbursement (Est.)
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 |
Grace Period
Grace period usage | 100% |
Average grace period | DK |
Repayment Frequency
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 | |
Pricing Information
Interest
Lowest quoted nominal interest | 2.60% |
Highest quoted nominal interest | 3.00% |
Reason(s) why interest rate varies | Branch, Time as Client, 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
| Fee 1 |
---|
Description | Administration Fee |
% of loan amount - min | 0.50% |
% of loan amount - max | 0.50% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
Ongoing Fees
This product has no ongoing feesUpfront Insurance Fees
This product has no upfront insurance feesOngoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
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
This product can serve to all the village bank members without limit cycles.
Full Pricing Data
Seasonal Loan (THB) samples
| Sample 1 | | Sample 2 | | Sample 3 | | Sample 4 | | Sample 5 |
---|
Loan Amount | THB 8,000 | | THB 10,000 | | THB 20,000 | | THB 40,000 | | THB 60,000 |
Loan Cycle (1, 2, 3, etc) | Not Known | | Not Known | | Not Known | | Not Known | | Not Known |
Disbursement Date | 2013-04-09 | | 2013-03-15 | | 2013-02-13 | | 2013-02-15 | | 2013-03-18 |
Loan Term (Months) | 12.0 months | | 12.0 months | | 12.0 months | | 12.0 months | | 12.0 months |
Grace Period (Months) | 11.2 months | | 11.3 months | | 11.3 months | | 10.9 months | | 11.2 months |
Total Cost of Credit | THB 2,772 | | THB 3,494 | | THB 6,760 | | THB 12,542 | | THB 18,550 |
True Price by Comp | | | | | | | | | |
Interest price component | 33.6% | | 33.6% | | 32.4% | | 31.2% | | 30.0% |
Fee Component | 0.6% | | 0.6% | | 0.6% | | 0.6% | | 0.6% |
Insurance Component | 0.0% | | 0.0% | | 0.0% | | 0.0% | | 0.0% |
Tax Component | 0.0% | | 0.0% | | 0.0% | | 0.0% | | 0.0% |
Deposit Component | 0.0% | | 0.0% | | 0.0% | | 0.0% | | 0.0% |
Full APR (int fee ins tax dep) | 34.2% | | 34.2% | | 33.0% | | 31.8% | | 30.6% |
Transparency Index | 91 | | 91 | | 95 | | 98 | | 100 |
| | | | | | | | | |
Original Repayment Schedule | PDF | | PDF | | PDF | | PDF | | PDF |
MFT Pricing Calculation | PDF | | PDF | | PDF | | PDF | | PDF |
Seasonal Loan (THB) Price Graphs