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Institution

Habitat for Humanity Uganda Plot 7206, Bukasa CloseKampala, Central RegionPO Box 9873
Data approved: 2012-09-11
Data version: 2
Age of data: 136 months

Institution

Thaneakea Phum Cambodia Ltd. #94, Street 360, Sangkat Boeng Kengkang IIIKhan ChamkrmonPhnom Penh, Cambodia
Data approved: 2013-03-21
Data version: 3
Age of data: 131 months

Product

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Product

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Product Summary

Number borrowers858
Loan Amount (range)UGX 100,000 - 3,000,000
Loan Term (range)4 - 24
Other Services (text summary)Credit Educ, Credit Ins
Annual Interest & Method24.00%-60.00% annual, Flat
Fees2 fees
Insurance1.00% upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component40.2% - 41.0%
Fee Component4.6% - 15.3%
Insurance Component2.0% - 3.0%
Tax Component Range0
Full APR (int fee ins tax dep)47.7% - 58.5%
Transparency Index (min/max)41 - 50
Transparency Index (average)47

Product Summary

6,977
THB 1,000 - 18,000
3 - 12
Group Mtgs
32.4%-42.0% annual, Decl Bal
None
None
None
N/A
 
21.7% - 37.1%
0 - 1.6%
0
0
33.6% - 33.7%
68 - 99
96

Product Details

Key Statistics
Outstanding portfolio (UGX)UGX 663,768,900
Portfolio (USD)USD 265,508
Active Clients with Loans858
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
These loans are for contruction, extention, renovation and improvement of residential properties.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
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 workerx
Must be specific age group
OtherMust be between 18-65 years in age
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveCentral

Product Details

Key Statistics
Outstanding portfolio (THB)THB 70,944,608
Portfolio (USD)USD 2,404,901.97
Active Clients with Loans6,977
Approximate % Female Clients0
Approximate % Urban Clients0
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
The Thaneakea Phum Loan is a community based lending facility that uses the village as the service delivery point. Under this loan type, the borrower is a joint liability group composed of two to seven members.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
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 group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution13
# Regions for this product3
Regions ActiveBanteay Meanchey, Battambang, Oddar Meancheay

Loan Conditions

Loan Amount
CurrencyUGX
Minimum loan sizeUGX 100,000
Maximum loan size3,000,000
Distribution at Disbursement (Est.)
Loans less than UGX 1,000,00050%
UGX 1,000,000-5,000,00050%
UGX 5,000,000-7,500,0000
UGX 7,500,000-10,000,0000
UGX 10,000,000-13,000,0000
Greater than UGX 13,000,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term24.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months15%
Between 13 and 18 months30%
Longer than 18 months45%
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

Loan Conditions

Loan Amount
CurrencyTHB
Minimum loan sizeTHB 1,000
Maximum loan size18,000
Distribution at Disbursement (Est.)
Loans less than THB 10,00070%
THB 10,000-30,00030%
THB 30,000-50,0000
THB 50,000-70,0000
THB 70,000-90,0000
Greater than THB 90,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average10.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
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 weeksx
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest5.00%
Reason(s) why interest rate varies5% for 1 month grace period. Reduced to 2% for the remainder if verified for housing
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termNo
Upfront Fees
Fee 1Fee 2
DescriptionAdministration FeeApplication Fee
% of loan amount - min2.00%0
% of loan amount - max2.00%0
OR, Fixed amount - min010,000
Fixed amount - max010,000
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Life and Asset Insurance
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
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
Additional Comments
The normal interest of 2% per month is charged on loans verified as used for housing, but 5% per month is charged for those loans that are diverted.

Pricing Information

Interest
Lowest quoted nominal interest2.70%
Highest quoted nominal interest3.50%
Reason(s) why interest rate variesBranch, Time as Client, Client Risk, Loan Purpose
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 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

Full Pricing Data

Home Improvement Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUGX 300,000UGX 1,500,000UGX 3,000,000UGX 3,000,000
Loan Cycle (1, 2, 3, etc)13Not KnownNot Known
Disbursement Date2012-06-022012-06-012012-06-012012-06-01
Loan Term (Months)8.0 months12.0 months12.0 months12.0 months
Grace Period (Months)1.0 month1.0 month1.0 month1.0 month
Total Cost of CreditUGX 67,000UGX 415,000UGX 820,000UGX 820,000
True Price by Comp       
Interest price component40.2%41.0%41.0%41.0%
Fee Component15.3%5.3%4.6%4.6%
Insurance Component3.0%2.0%2.1%2.1%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)58.5%48.3%47.7%47.7%
Transparency Index41505050
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

TP Loan End of Cycle (THB) samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountTHB 2,000THB 5,000THB 10,000THB 18,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-142013-02-272013-02-212013-02-20
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)10.9 months10.9 months10.9 months10.9 months
Total Cost of CreditTHB 666THB 1,669THB 3,337THB 6,016
True Price by Comp       
Interest price component33.7%33.7%33.7%33.6%
Fee Component0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)33.7%33.7%33.7%33.6%
Transparency Index96969696
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Home Improvement Loan Price Graphs


TP Loan End of Cycle (THB) Price Graphs


Caps / Zoom options
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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