- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
AB Bank	300	307,000	2	157
AMZ	4,900	651,000	2	157
CETZAM	6,700	2,210,000	4	157
Eclof Zambia	200	111,000	4	157
Empowerment	1,500	447,000	5	157
FINCA Zambia	43,700	16,420,000	4	114
Harmos	9,800	1,398,000	3	157
Kungoma	43	18,000	2	157
MBT	13,900	1,563,000	5	157
Meanwood	2,000	1,766,000	5	157
PFSL	1,300	3,506,000	3	157
Zambia CRC	30	1,000	1	157

Please note that the information you are viewing is 113 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Chamroeun #42D, st.320 SangkatN/APhnom penh, CambodiaN/A

Data approved: 2011-02-03

Data version: 2

Age of data: - months

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Product

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Product Details

Key Statistics

Outstanding portfolio (KHR)	KHR 2,990,632,800
Portfolio (USD)	USD 747,658.20
Active Clients with Loans	3,427
Approximate % Female Clients	80% - 100%
Approximate % Urban Clients	80% - 100%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

Client are being a resident or worked of the urban poor community. The interest rate charged on a declining balance. No physical collateral is necessary but client must prove the support of 1 co-maker.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education
Group meetings
Credit insurance
Workplace visits	x
Business training	x
Other training	x
Other	Social trainings
Other (2)	Skill trainings
No other services

Eligibility

Men
Women
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)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	KHR
Minimum loan size	KHR 100,000
Maximum loan size	4,000,000

Loan Term and Grace Period

Shortest loan term	2.0 months
Longest loan term	12.0 months
Approx average	8.0 months

Distribution at Disbursement (Est.)

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

Grace period usage	0
Average grace period	0

Repayment Frequency

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

Pricing Information

Interest

Lowest quoted nominal interest	3.50%
Highest quoted nominal interest	3.50%
Interest rate period	Monthly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	N/A
Is rate fixed for entire loan term	Yes

Upfront Fees

	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

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 for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?	Yes

Deposit BEFORE or AT Disbursement

% loan amount deposited	0 - N/A
or, Fixed-amount deposited	0 - N/A

Deposits DURING period payments

% loan amount deposited	15.00% - N/A
or, Fixed-amount deposited	0 - N/A
Conditions on access to deposit	When leaving

Interest Paid on Deposit

Minimum interest rate paid	2.00%
Maximum interest rate paid	4.50%
Interest payment frequency	Monthly

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Entrepreneurs Loan samples

	Sample 1	Sample 2	Sample 3
Loan Amount	KHR 600,000	KHR 1,200,000	KHR 2,500,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known
Disbursement Date	2013-01-04	2013-03-06	2012-08-20
Loan Term (Months)	6.0 months	12.0 months	12.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	49.0%	46.9%	47.3%
Insurance Component	0.0%	0.0%	0.0%
Tax Component	0.0%	0.0%	0.0%
Deposit Component	4.4%	5.4%	5.8%
Full APR (int fee ins tax dep)	53.5%	52.3%	53.1%
Transparency Index	79	80	79

Original Repayment Schedule	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF

Entrepreneurs 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

	X Axis
	Greater than:
	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
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Max
Std Dev

By Inst Type


By Country

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