Chamroeun - Chamroeun Loan - MFTransparency.org Truth In Lending Tables

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Institution

Chamroeun #42D, st.320 SangkatN/APhnom penh, CambodiaN/A

Data approved: 2010-09-22

Data version: 1

Age of data: - months

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Product

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Product Details

Key Statistics

Outstanding portfolio (KHR)	KHR 1,292,055,552
Portfolio (USD)	USD 323,013.89
Active Clients with Loans	4,223
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	80% - 100%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education
Group meetings
Credit insurance
Workplace visits	x
Business training	x
Other training	x
Other
Other (2)
No other services

Eligibility

Men
Women
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 institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	KHR
Minimum loan size	KHR 100,000
Maximum loan size	1,150,000

Loan Term and Grace Period

Shortest loan term	0
Longest loan term	0
Approx average	0

Distribution at Disbursement (Est.)

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

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	4.00%
Highest quoted nominal interest	4.00%
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	N/A
Is rate fixed for entire loan term	N/A

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 for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?	Yes

Deposit BEFORE or AT Disbursement

% loan amount deposited	15.00% - N/A
or, Fixed-amount deposited	0 - N/A

Deposits DURING period payments

% loan amount deposited	15.00% - N/A
or, Fixed-amount deposited	0 - N/A
Conditions on access to deposit	When leaving

Interest Paid on Deposit

Minimum interest rate paid	2.00%
Maximum interest rate paid	4.50%
Interest payment frequency	Monthly

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Chamroeun Loan samples

	Sample 1	Sample 2	Sample 3
Loan Amount	KHR 200,000	KHR 450,000	KHR 1,000,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known
Disbursement Date	2013-02-05	2013-01-09	2013-02-28
Loan Term (Months)	N/A	N/A	N/A
Grace Period (Months)	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	DK	DK	DK
Insurance Component	51.1%	60.9%	53.8%
Tax Component	-51.1%	-60.9%	-53.8%
Deposit Component	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	DK	DK	DK
Transparency Index	-1	-1	-1

Original Repayment Schedule	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF

Chamroeun Loan Price Graphs

Click to view Price Analysis Tool

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
KBL	468,300	120,082,000	16	108
KF	233,600	41,416,000	4	107
NRSP	399,900	70,157,000	3	108
ASA	230,400	29,637,000	3	108
TMFB	221,200	85,449,000	7	108
FMFB	163,544	38,481,323	9	126
TRDP	100,000	13,817,000	3	108
PRSP	75,656	9,907,176	3	126
BRAC^P	57,300	11,869,000	3	108
SRSO	51,100	7,775,000	3	108
SSF	46,000	4,776,000	3	108
FINCA	82,000	43,559,000	9	108
JWS	36,000	6,545,000	2	108
RCDS	35,552	4,856,122	4	126
DAMEN	35,185	7,150,864	1	126
FFO	22,400	3,335,000	3	108
OLP	21,400	3,510,000	3	108
CSC	17,600	3,147,000	1	108
AMRDO	13,800	1,206,000	5	108
WMBL	13,800	6,105,000	3	108
Mojaz	13,400	2,415,000	2	108
SDF	11,500	1,041,000	4	108
POMFB	8,500	2,795,000	4	108
OPD	7,500	918,000	2	108
AGAHE	7,300	797,000	2	108
NRDP	6,184	1,521,972	3	126
GBTI	6,100	669,000	3	126
WASIL	4,300	1,135,000	2	108
Micro Options	4,000	768,000	5	108
VDO	3,900	489,000	3	126
SVDP	3,900	811,000	13	126
SRDO	3,500	766,000	4	108
OSDI	2,000	923,000	3	108
APMBL	1,800	1,401,000	3	108
BEDF	1,400	209,000	3	126
KCDO	800	94,000	1	126

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

	X Axis
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N (# of Samples)
Total Borrrowers of Samples


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