Number borrowers | 12,425 |
Loan Amount (range) | ZMW 1,200 - 15,000 |
Loan Term (range) | 6 - 12 |
Other Services (text summary) | Group Mtgs, Credit Ins |
Annual Interest & Method | 52.0% annual, Decl Bal |
Fees | 7.96%-8.00% upfront 25.00 upfront |
Insurance | 1.00% upfront |
Tax | None |
Comp Dep | N/A |
Range of pricing | |
Interest Price Component | 50.6% - 50.9% |
Fee Component | 15.8% - 40.3% |
Insurance Component | 1.7% - 4.2% |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 72.6% - 95.2% |
Transparency Index (min/max) | 54 - 75 |
Transparency Index (average) | 63 |
13,870 |
KHR 300,000 - 200,000,000 |
4 - 48 |
25.2%-32.4% annual, Decl Bal |
None |
None |
None |
N/A |
14.5% - 34.8% |
0 |
0 |
0 |
25.3% - 34.8% |
52 - 100 |
83 |
Outstanding portfolio (ZMW) | ZMW 22,650,672 |
Portfolio (USD) | USD 3,537,581.12 |
Active Clients with Loans | 12,425 |
Approximate % Female Clients | 60% - 80% |
Approximate % Urban Clients | 60% - 80% |
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 | x |
Credit insurance | x |
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) | Must be a member of a self selected solidarity group |
# Regions for this institution | 5 |
# Regions for this product | 5 |
Regions Active | Central Province, Copperbelt Province, Eastern Province, Northern Province, Southern Province |
Outstanding portfolio (KHR) | KHR 55,592,347,832 |
Portfolio (USD) | USD 14,074,012.11 |
Active Clients with Loans | 13,870 |
Approximate % Female Clients | 80% - 100% |
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 | |
Group meetings | |
Credit insurance | |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services | x |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | x |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 24 |
# Regions for this product | 24 |
Regions Active | Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Mondulkiri , Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo |
Currency | ZMW |
Minimum loan size | ZMW 1,200 |
Maximum loan size | 15,000 |
Loans less than ZMW 500 | 0 |
ZMW 500-2,000 | 40% |
ZMW 2,000-3,250 | 20% |
ZMW 3,250-4,500 | 15% |
ZMW 4,500-6,000 | 10% |
Greater than ZMW 6,000 | 10% |
Shortest loan term | 6.0 months |
Longest loan term | 12.0 months |
Approx average | 9.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 50% |
Between 7 and 9 months | 40% |
Between 10 and 12 months | 10% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
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 | KHR |
Minimum loan size | KHR 300,000 |
Maximum loan size | 200,000,000 |
Loans less than KHR 1,000,000 | 0 |
KHR 1,000,000-3,500,000 | 10% |
KHR 3,500,000-6,000,000 | 20% |
KHR 6,000,000-8,000,000 | 20% |
KHR 8,000,000-10,000,000 | 10% |
Greater than KHR 10,000,000 | 10% |
Shortest loan term | 4.0 months |
Longest loan term | 48.0 months |
Approx average | 20.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 15% |
Between 13 and 18 months | 5% |
Longer than 18 months | 80% |
Grace period usage | 10% |
Average grace period | 2.0 months |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | x |
Quarterly | x |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments | x |
Lowest quoted nominal interest | 4.33% |
Highest quoted nominal interest | 4.33% |
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 | Fee 2 | ||
---|---|---|---|
Description | Arrangement and Deposit Fee | Asset Inspection Fee | |
% of loan amount - min | 7.96% | 0 | |
% of loan amount - max | 8.00% | 0 | |
OR, Fixed amount - min | 0 | 25 | |
Fixed amount - max | 0 | 25 | |
Reason for variation | 1.96% to 2% paid for Arrangement fee and 6% for Deposit fee. Arrangement fee varies depending on the number of group members. | N/A | |
Appears on Repayment Sched? | Yes | Yes |
Ins 1 | |
---|---|
Description | Credit Life Insurance |
% of loan amount - min | 1.00% |
% of loan amount - max | 1.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | Yes |
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 |
Lowest quoted nominal interest | 2.10% |
Highest quoted nominal interest | 2.70% |
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 |
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 |
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 |
||||||||||
ZMW 1,020 | Generated | 2014-11-01 | 6.0 months | 0.0 months | ZMW 275.80 | 95.2% | 50.9% | 40.1% | 4.2% | 0.0% | 0.0% | 55 | - | |
ZMW 1,800 | Generated | 2014-11-01 | 9.1 months | 0.0 months | ZMW 596.35 | 79.5% | 50.9% | 25.6% | 3.0% | 0.0% | 0.0% | 65 | - | |
ZMW 2,400 | Generated | 2014-11-01 | 12.2 months | 0.0 months | ZMW 965.91 | 72.6% | 50.9% | 19.4% | 2.3% | 0.0% | 0.0% | 72 | - | |
ZMW 3,500 | Generated | 2014-11-01 | 6.0 months | 0.0 months | ZMW 885.57 | 88.0% | 50.9% | 33.0% | 4.1% | 0.0% | 0.0% | 59 | - | |
ZMW 4,000 | Generated | 2014-11-01 | 9.1 months | 0.0 months | ZMW 1,294.67 | 77.2% | 50.9% | 23.4% | 2.9% | 0.0% | 0.0% | 67 | - | |
ZMW 5,100 | Generated | 2014-11-01 | 6.0 months | 0.0 months | ZMW 1,278.98 | 87.1% | 50.9% | 32.1% | 4.1% | 0.0% | 0.0% | 60 | - | |
ZMW 6,000 | Generated | 2014-11-01 | 9.1 months | 0.0 months | ZMW 1,929.51 | 76.6% | 50.9% | 22.8% | 2.9% | 0.0% | 0.0% | 68 | - | |
ZMW 7,000 | Generated | 2014-11-01 | 6.0 months | 0.0 months | ZMW 1,746.15 | 86.5% | 50.9% | 31.6% | 4.0% | 0.0% | 0.0% | 60 | - |
Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | |||||
---|---|---|---|---|---|---|---|---|---|
Loan Amount | KHR 500,000 | KHR 1,200,000 | KHR 2,400,000 | KHR 7,000,000 | KHR 12,000,000 | ||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
Disbursement Date | 2012-09-12 | 2012-08-23 | 2013-01-31 | 2012-06-22 | 2013-01-18 | ||||
Loan Term (Months) | 12.0 months | 18.0 months | 5.6 months | 24.0 months | 37.0 months | ||||
Grace Period (Months) | 0.2 months | 0.1 months | -0.4 months | 2.9 months | 3.0 months | ||||
Total Cost of Credit | KHR 93,149 | KHR 337,925 | KHR 198,720 | KHR 2,263,374 | KHR 5,097,831 | ||||
True Price by Comp | |||||||||
Interest price component | 33.6% | 34.8% | 32.5% | 27.7% | 25.3% | ||||
Fee Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Full APR (int fee ins tax dep) | 33.6% | 34.8% | 32.5% | 27.7% | 25.3% | ||||
Transparency Index | 75 | 72 | 78 | 91 | 100 | ||||
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 ∞ |