Institution

VisionFund Cambodia #20, Street 71, Sangkat Tonle Basac,Chamkar Morn DistrictPhnom PenhPO Box 479
Data approved: 2013-04-04
Data version: 3
Age of data: 131 months
Choose version

Institution

Lower Pra Rural Bank Limited ShamaWestern RegionPO Box SH 18
Data approved: 2011-12-07
Data version: 1
Age of data: 150 months

Product

Small Business Loan - Solidarity Group - THB Product 21 of 21 « Prev | Next »

Product

Susu Loan Product 3 of 3 « Prev | Next »

Product Summary

2,781
GHS 200 - 3,500
1 - 12
Credit Ins, Tech Asst Visits, Market trends
30.00% annual, Flat
2 fees
None
None
25.00%- upfront
 
N/A
69.6% - 91.6% (Int+Fee)
0
0
115.7% - 154.1%
19 - 59
22

Product Details


This product either has less than 50 active borrowers or less than 10 loan disbursements over the past 9 months. MFTransparency presents basic data rather than full data for low volume products
Key Statistics
Outstanding portfolio (THB)THB 840,960
Portfolio (USD)USD 28,507.12
Active Clients with Loans47
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Description
Small Business Loan refers to any loan used for business or income generating activities that earn income on dialy, weekly, fortnightly, or monthly basis eg. Greengrocer's, grocer's , chinese noodle eatery, coffee shop, food shop, etc.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried worker
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution20
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 645,620
Portfolio (USD)USD 327,725.89
Active Clients with Loans2,781
Approximate % Female Clients40% - 60%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This loan is based on daily contributions and one fourth of these contribution after 6 months in operation is considered for a loan to an individual. Taken from salary guarantors.
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 insurancex
Workplace visitsx
Business training
Other training
OtherMarket trends
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 200
Maximum loan size3,500
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term12.0 months
Approx average6.0 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

Pricing Information

Interest
Lowest quoted nominal interest30.00%
Highest quoted nominal interest30.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionLoan Processing FeeRisk fund(3%) & Commitment Fee (5%)
% of loan amount - min08.00%
% of loan amount - max08.00%
OR, Fixed amount - min30
Fixed amount - max30
Reason for variationN/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?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited25.00% - N/A
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to deposit
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Susu Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountGHS 500GHS 1,000GHS 2,000GHS 3,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-03-082011-01-172010-09-222010-12-12
Loan Term (Months)6.0 months6.0 months12.0 months12.0 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 Component91.6%83.5%78.0%69.6%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component62.5%58.0%50.2%46.2%
Full APR (int fee ins tax dep)154.1%141.5%128.2%115.7%
Transparency Index19212326
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Susu 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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