| Number borrowers | 63,785 |
| Loan Amount (range) | KHR 10,000 - 1,000,000 |
| Loan Term (range) | 3 - 12 |
| Other Services (text summary) | Credit Educ, Group Mtgs, Other Training |
| Annual Interest & Method | 33.6% annual, Decl Bal |
| Fees | 0.50% upfront |
| Insurance | None |
| Tax | None |
| Comp Dep | N/A |
| Range of pricing | |
| Interest Price Component | |
| Fee Component | |
| Insurance Component | |
| Tax Component Range | |
| Full APR (int fee ins tax dep) | 0 |
| Transparency Index (min/max) | |
| Transparency Index (average) | N/A |
| 14,946 |
| BOB 300 - 12,000 |
| 4 - 8 |
| N/A |
| 30.0% annual, Decl Bal |
| None |
| None |
| None |
| 10.0% upfront 20.00% ongoing |
| N/A |
| 30.7% - 30.8% (Int+Fee) |
| 0 - 0.6% |
| 0 - 0.4% |
| 47.8% - 48.6% |
| 0 - N/A |
| 62 |
| Outstanding portfolio (KHR) | KHR 29,604,006,200 |
| Portfolio (USD) | USD 7,565,552.31 |
| Active Clients with Loans | 63,785 |
| Approximate % Female Clients | 80% - 100% |
| Approximate % Urban Clients | 0% - 20% |
| Individual | |
| Solidarity group | x |
| Village banking | x |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | x |
| Group meetings | x |
| Credit insurance | |
| Workplace visits | |
| Business training | |
| 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) |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Outstanding portfolio (BOB) | BOB 18,519,098 |
| Portfolio (USD) | USD 2,743,570.07 |
| Active Clients with Loans | 14,946 |
| Approximate % Female Clients | 60% - 80% |
| Approximate % Urban Clients | 80% - 100% |
| Individual | |
| Solidarity group | |
| Village banking | x |
| Self help group | |
| Other |
| Any purpose | x |
| Income generation | |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | |
| Group meetings | |
| Credit insurance | |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | N/A |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | Buenos antecedentes crediticios. Solvencia Moral. |
| Other (2) | Los interesados deben ser mayores de edad no mayores a 65 años. |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Currency | KHR |
| Minimum loan size | KHR 10,000 |
| Maximum loan size | 1,000,000 |
| Shortest loan term | 3.0 months |
| Longest loan term | 12.0 months |
| Approx average | 10.0 months |
| Loans 3 months or less | N/A |
| Between 4 and 6 months | N/A |
| Between 7 and 9 months | N/A |
| Between 10 and 12 months | N/A |
| Between 13 and 18 months | N/A |
| Longer than 18 months | N/A |
| 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 |
| Currency | BOB |
| Minimum loan size | BOB 300 |
| Maximum loan size | 12,000 |
| Shortest loan term | 4.0 months |
| Longest loan term | 8.0 months |
| Approx average | 6.0 months |
| Grace period usage | 0 |
| Average grace period | 0 |
| Daily | |
| Weekly | |
| Every 2 weeks | x |
| Every 4 weeks | |
| Monthly | |
| Every 2 months | |
| Quarterly | |
| Every 6 months | |
| Every 12 months | |
| Single end payment | |
| Irregular payments |
| Lowest quoted nominal interest | 2.80% |
| Highest quoted nominal interest | 2.80% |
| Reason(s) why interest rate varies | 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 |
| Fee 1 | |
|---|---|
| Description | Administrative 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 | |
| Appears on Repayment Sched? | No |
| Required for | Never |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | N/A |
| Do borrowers control deposit in their group? | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| Conditions on access to deposit | N/A |
| Minimum interest rate paid | N/A |
| Maximum interest rate paid | N/A |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | No |
| Lowest quoted nominal interest | 2.50% |
| Highest quoted nominal interest | 2.50% |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | |
| Is rate fixed for entire loan term | Yes |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | Yes |
| Do borrowers control deposit in their group? | Yes |
| % loan amount deposited | 10.00% |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 20.00% |
| or, Fixed-amount deposited | 0 |
| Conditions on access to deposit | End Term |
| Minimum interest rate paid | 0 |
| Maximum interest rate paid | 0 |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
|---|---|---|---|---|---|---|---|
| Loan Amount | BOB 3,000 | BOB 3,000 | BOB 7,500 | BOB 8,000 | |||
| Loan Cycle (1, 2, 3, etc) | 7 | 4 | 4 | 7 | |||
| Disbursement Date | 2010-05-19 | 2010-08-05 | 2010-08-12 | 2010-05-19 | |||
| Loan Term (Months) | 6.5 months | 5.6 months | 6.5 months | 6.5 months | |||
| Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | |||
| Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | |||
| True Price by Comp | |||||||
| Interest and Fee Component | 30.7% | 30.8% | 30.7% | 30.7% | |||
| Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
| Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
| Deposit Component | 17.6% | 17.0% | 17.9% | 17.6% | |||
| Full APR (int fee ins tax dep) | 48.4% | 47.8% | 48.6% | 48.4% | |||
| Transparency Index | 62 | 63 | 62 | 62 | |||
| Original Repayment Schedule | |||||||
| MFT Pricing Calculation |
| Key Statistics | |
|---|---|
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| # 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 |
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