2. TRDP
Please note that the information you are viewing is 107 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Seilanithih
Please note that the information you are viewing is 133 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Thardeep Rural Development Programme Near Dargah Hussain Shah Siran, MithiTharparkar, Sindh69230
Data approved: 2015-05-12
Data version: 2
Age of data: 107 months
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Institution

Seilanithih Limted No. 35, St. 360Sangkat Boeung Keng Kang IKhan Chamkarmorn, Phnom Penh
Data approved: 2013-04-02
Data version: 3
Age of data: 133 months
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Product

Enterprise Loans Product 1 of 3 « Prev | Next »

Product

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Product Summary

Number borrowers53,920
Loan Amount (range)PKR 5,000 - 100,000
Loan Term (range)3 - 12
Other Services (text summary)Credit Educ, Business Training
Annual Interest & Method18.0% annual, Flat
Fees2.00% upfront
Insurance125.00 upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component16.6% - 31.2%
Fee Component2.0% - 7.5%
Insurance Component0.3% - 2.7%
Tax Component Range0
Full APR (int fee ins tax dep)35.1% - 37.6%
Transparency Index (min/max)48 - 95
Transparency Index (average)49

Product Summary

3,102
THB 4,000 - 200,000
1 - 12
Credit Ins
27.0%-36.0% annual, Decl Bal
None
None
None
3.0% upfront
 
27.1% - 36.0%
0
0
0
28.7% - 37.1%
81 - 105
88

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 635,054,513
Portfolio (USD)USD 6,236,235.32
Active Clients with Loans53,920
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village banking
Self help group
Other
Description
Entrprise loan is offered to men and women for micro enterprenuership, the product is for enhancing the running businesses or to start a new business.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visits
Business trainingx
Other training
Other
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 institution1
# Regions for this product1
Regions ActiveSindh

Product Details

Key Statistics
Outstanding portfolio (THB)THB 78,201,353
Portfolio (USD)USD 2,650,893.32
Active Clients with Loans3,102
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This loan is provided for individual people in Thai Baht for the business purpose. It can be use for business, service, handicraft and agriculture.
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 visits
Business training
Other training
Other
Other (2)
No other services
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 institution7
# Regions for this product2
Regions ActiveBanteay Meanchey, Battambang

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 5,000
Maximum loan size100,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00060%
PKR 25,000-50,00030%
PKR 50,000-75,00010%
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months15%
Between 10 and 12 months80%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period0.3 months
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

Loan Conditions

Loan Amount
CurrencyTHB
Minimum loan sizeTHB 4,000
Maximum loan size200,000
Distribution at Disbursement (Est.)
Loans less than THB 10,0005%
THB 10,000-30,00020%
THB 30,000-50,00030%
THB 50,000-70,00030%
THB 70,000-90,00010%
Greater than THB 90,00010%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term12.0 months
Approx average11.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less10%
Between 4 and 6 months10%
Between 7 and 9 months10%
Between 10 and 12 months70%
Between 13 and 18 months0
Longer than 18 months0
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 interest18.00%
Highest quoted nominal interest18.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionDocumentation Fee
% of loan amount - min2.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionHealth and Accidental Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min125
Fixed amount - max125
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest2.25%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited3.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid6.00%
Maximum interest rate paid6.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Full Pricing Data

Enterprise Loans samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 10,000 Real 2015-04-15 12.0 months N/A PKR 2,125 37.6% 31.2% 3.9% 2.5% 0.0% 0.0% 48 PDF PDF
PKR 10,000 Generated 2015-06-01 11.3 months N/A PKR 2,021.44 37.0% 30.4% 4.0% 2.6% 0.0% 0.0% 49 - PDF
PKR 25,000 Real 2015-04-15 12.0 months N/A PKR 5,125 36.1% 31.2% 3.9% 1.0% 0.0% 0.0% 50 PDF PDF
PKR 25,000 Generated 2015-06-01 11.3 months N/A PKR 4,866.10 35.4% 30.4% 4.0% 1.0% 0.0% 0.0% 51 - PDF
PKR 15,000 Generated 2015-06-01 8.4 months N/A PKR 2,303.90 37.2% 29.8% 5.2% 2.2% 0.0% 0.0% 48 - PDF
PKR 20,000 Generated 2015-06-01 11.3 months N/A PKR 3,917.88 35.7% 30.4% 4.0% 1.3% 0.0% 0.0% 50 - PDF
PKR 22,000 Generated 2015-06-01 11.3 months N/A PKR 4,297.16 35.6% 30.4% 4.0% 1.2% 0.0% 0.0% 51 - PDF
PKR 30,000 Generated 2015-06-01 8.4 months N/A PKR 4,482.81 36.1% 29.8% 5.2% 1.1% 0.0% 0.0% 50 - PDF
PKR 40,000 Generated 2015-06-01 11.3 months N/A PKR 7,710.75 35.1% 30.4% 4.0% 0.7% 0.0% 0.0% 51 - PDF
PKR 70,000 Generated 2015-06-01 5.3 months N/A PKR 7,117.33 36.2% 28.1% 7.5% 0.6% 0.0% 0.0% 50 - PDF

Full Pricing Data

Individual Loan (THB) samples
Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountTHB 10,000THB 20,000THB 41,000THB 55,000THB 100,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-04-032013-02-192012-01-042013-04-122013-02-05
Loan Term (Months)12.0 months12.0 months18.0 months18.0 months24.0 months
Grace Period (Months)11.3 months10.9 months0.1 months-0.2 months-0.1 months
Total Cost of CreditTHB 3,690THB 7,120THB 9,921THB 13,053THB 28,365
True Price by Comp         
Interest price component36.0%36.0%30.0%30.1%27.1%
Fee Component0.0%0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component1.1%1.1%1.8%1.7%1.6%
Full APR (int fee ins tax dep)37.1%37.1%31.8%31.8%28.7%
Transparency Index8181949494
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Enterprise Loans Price Graphs


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Individual Loan (THB) 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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