| 1,763 |
| KHR 100,000 - 550,000 |
| 2 - 8 |
| Tech Asst Visits, Business Training, Other Training |
| 48.0% annual, Decl Bal |
| None |
| None |
| 0.0% upfront |
| N/A |
| #N/A (Int+Fee) |
| 0 |
| 0 |
| #N/A |
| 79 - 99 |
| 84 |
| Outstanding portfolio (MZN) | MZN 1,194,462 |
| Portfolio (USD) | USD 35,339.11 |
| Active Clients with Loans | 31 |
| Approximate % Female Clients | 60% - 80% |
| Approximate % Urban Clients | 40% - 60% |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Men | x |
| Women | x |
| Must run a business | |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | x |
| Other | |
| Other (2) |
| # Regions for this institution | 6 |
| # Regions for this product | N/A |
| Regions Active |
| Outstanding portfolio (KHR) | KHR 366,687,700 |
| Portfolio (USD) | USD 91,671.93 |
| Active Clients with Loans | 1,763 |
| Approximate % Female Clients | 80% - 100% |
| Approximate % Urban Clients | 80% - 100% |
| Individual | |
| 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 | |
| Group meetings | |
| Credit insurance | |
| Workplace visits | x |
| Business training | x |
| Other training | x |
| Other | Social Training (HIV, domestic violence?Ǫ) |
| Other (2) | Skill traings ( specific skills as food, cake making?Ǫ) |
| No other services |
| Men | |
| Women | |
| 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 | 550,000 |
| Shortest loan term | 2.0 months |
| Longest loan term | 8.0 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 | x |
| 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 | 4.00% |
| Highest quoted nominal interest | 4.00% |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | N/A |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | |
|---|---|
| Description | Processing fee |
| % of loan amount - min | 0 |
| % of loan amount - max | 2.00% |
| OR, Fixed amount - min | 2,000 |
| Fixed amount - max | 0 |
| Reason for variation | |
| Appears on Repayment Sched? | No |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | Yes |
| Do borrowers control deposit in their group? |
| % loan amount deposited | 0 - N/A |
| or, Fixed-amount deposited | 0 - N/A |
| % loan amount deposited | 5.00% - N/A |
| or, Fixed-amount deposited | 0 - N/A |
| Conditions on access to deposit | End Term |
| Minimum interest rate paid | 2.00% |
| Maximum interest rate paid | 4.50% |
| Interest payment frequency | Monthly |
| Are taxes charged on this product? | No |
| Sample 1 | Sample 2 | ||
|---|---|---|---|
| Loan Amount | KHR 200,000 | KHR 250,000 | |
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | |
| Disbursement Date | 2012-09-11 | 2013-03-07 | |
| Loan Term (Months) | 8.0 months | 8.0 months | |
| Grace Period (Months) | 0.0 months | 0.0 months | |
| Total Cost of Credit | Not Known | Not Known | |
| True Price by Comp | |||
| Interest and Fee Component | 52.0% | 51.1% | |
| Insurance Component | 0.0% | 0.0% | |
| Tax Component | 0.0% | 0.0% | |
| Deposit Component | 6.0% | 5.5% | |
| Full APR (int fee ins tax dep) | 58.0% | 56.6% | |
| Transparency Index | 83 | 85 | |
| 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 |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| N (# of Samples) | ||||||
| Total Borrrowers of Samples | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
