| Number borrowers | 2,900 |
| Loan Amount (range) | KHR 100,000 - 20,000,000 |
| Loan Term (range) | 3 - 12 |
| Other Services (text summary) | Credit Educ |
| Annual Interest & Method | 27.6%-42.0% annual, Decl Bal |
| Fees | |
| Insurance | None |
| Tax | None |
| Comp Dep | 5.0% upfront |
| Range of pricing | |
| Interest Price Component | |
| Fee Component | |
| Insurance Component | |
| Tax Component Range | |
| Full APR (int fee ins tax dep) | #N/A |
| Transparency Index (min/max) | |
| Transparency Index (average) | N/A |
| 115 |
| TZS 500,000 - 10,000,000 |
| 1 - 12 |
| Credit Educ |
| 30.00% annual, Flat |
| 2 fees |
| 2.00% upfront |
| None |
| N/A |
| N/A |
| 59.7% - 69.9% (Int+Fee) |
| 4.3% - 8.3% |
| 0 |
| 67.6% - 78.2% |
| 0 - N/A |
| 42 |
| Outstanding portfolio (KHR) | KHR 7,052,159,700 |
| Portfolio (USD) | USD 1,802,238.62 |
| Active Clients with Loans | 2,900 |
| Approximate % Female Clients | 40% - 60% |
| Approximate % Urban Clients | 0% - 20% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| 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 | |
| Credit insurance | |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Outstanding portfolio (TZS) | TZS 350,000,000 |
| Portfolio (USD) | USD 220,125.79 |
| Active Clients with Loans | 115 |
| Approximate % Female Clients | 20% - 40% |
| Approximate % Urban Clients | 80% - 100% |
| Individual | x |
| Solidarity group | x |
| Village banking | |
| 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 | |
| Credit insurance | |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Currency | KHR |
| Minimum loan size | KHR 100,000 |
| Maximum loan size | 20,000,000 |
| Shortest loan term | 3.0 months |
| Longest loan term | 12.0 months |
| Approx average | 6.0 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 | TZS |
| Minimum loan size | TZS 500,000 |
| Maximum loan size | 10,000,000 |
| Shortest loan term | 1.0 month |
| Longest loan term | 12.0 months |
| Approx average | 8.0 months |
| 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 |
| Lowest quoted nominal interest | 2.30% |
| Highest quoted nominal interest | 3.50% |
| Reason(s) why interest rate varies | Loan Size |
| 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 | Loan fee charge before disbursement. |
| % of loan amount - min | 0 |
| % of loan amount - max | 0 |
| OR, Fixed amount - min | 500 |
| Fixed amount - max | 20,000 |
| Reason for variation | |
| Appears on Repayment Sched? | No |
| Required for | Some |
| Criteria | According to market competition on specific area. Branch manager or head credit officer can approve or disapprove of taking compulsory saving. |
| Is deposit indicated on the repayment schedule? | Yes |
| Do borrowers control deposit in their group? |
| % loan amount deposited | 5.00% - N/A |
| or, Fixed-amount deposited | 0 - N/A |
| % loan amount deposited | 0 - N/A |
| or, Fixed-amount deposited | 0 - N/A |
| Conditions on access to deposit | Final Pmt |
| Minimum interest rate paid | 4.00% |
| Maximum interest rate paid | 4.00% |
| Interest payment frequency | End Term |
| Are taxes charged on this product? | No |
| Lowest quoted nominal interest | 30.00% |
| Highest quoted nominal interest | 30.00% |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Flat |
| Subsidized by funder request? | |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | Fee 2 | ||
|---|---|---|---|
| Description | Application Fee | Set Up Fee | |
| % of loan amount - min | 0 | 2.00% | |
| % of loan amount - max | 0 | 2.00% | |
| OR, Fixed amount - min | 30,000 | 0 | |
| Fixed amount - max | 30,000 | 0 | |
| Reason for variation | N/A | N/A | |
| Appears on Repayment Sched? | No | No |
| Ins 1 | |
|---|---|
| Description | Insurance Commission |
| % of loan amount - min | 2.00% |
| % of loan amount - max | 2.00% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| 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 |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | TZS 1,000,000 | TZS 5,000,000 | TZS 5,000,000 | ||
| Loan Cycle (1, 2, 3, etc) | 1 | 1 | 1 | ||
| Disbursement Date | 2011-09-30 | 2011-09-30 | 2011-09-30 | ||
| Loan Term (Months) | 6.0 months | 6.0 months | 6.0 months | ||
| 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 | 69.9% | 60.1% | 59.7% | ||
| Insurance Component | 8.3% | 7.9% | 7.9% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 0.0% | 0.0% | 0.0% | ||
| Full APR (int fee ins tax dep) | 78.2% | 68.0% | 67.6% | ||
| Transparency Index | 38 | 44 | 44 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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