2. FINCA
Please note that the information you are viewing is 115 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. VF Cambodia
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

FINCA J. Jabbarli str. 44Baku, AzerbaijanAZ 1065
Data approved: 2014-10-10
Data version: 3
Age of data: 115 months
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Institution

VisionFund Cambodia #20, Street 71, Sangkat Tonle Basac,Chamkar Morn DistrictPhnom PenhPO Box 479
Data approved: 2013-04-04
Data version: 3
Age of data: 133 months
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Product

Solidarity Credit Group (USD) Product 1 of 12 « Prev | Next »

Product

Small Business Loan - Community Bank - THB Product 20 of 21 « Prev | Next »

Product Summary

Number borrowers184
Loan Amount (range)USD 50 - 3,000
Loan Term (range)4 - 18
Other Services (text summary)
Annual Interest & Method29.0%-32.0% annual, Decl Bal
Fees2.00% upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component21.8% - 38.4%
Fee Component1.5% - 7.1%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)33.6% - 35.5%
Transparency Index (min/max)57 - 94
Transparency Index (average)84

Product Summary

1,042
THB 800 - 14,000
3 - 12
Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
33.6%-36.0% annual, Decl Bal
None
None
None
N/A
 
21.5% - 35.9%
0
0
0
33.6% - 35.2%
68 - 100
98

Product Details

Key Statistics
Outstanding portfolio (USD)USD 194,380.77
Portfolio (USD)USD 194,380.77
Active Clients with Loans184
Approximate % Female Clients20% - 40%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
A loan for group borrowers living in urban areas and engaged in trade, services and production.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
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 institution8
# Regions for this product8
Regions ActiveAbsheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Orta Kur, Daglig-Shirvan, Nakhichevan

Product Details

Key Statistics
Outstanding portfolio (THB)THB 7,708,433
Portfolio (USD)USD 261,302.81
Active Clients with Loans1,042
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Small Business Loan referes to any loan used for business or income generating activities that earn income on dialy, weekly, fortnightly, or monthly basis eg. Greengrocer's , grocer's, chinese noodle eaterly, coffee shop, food shop, etc.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other trainingx
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 institution20
# Regions for this product2
Regions ActiveBanteay Meanchey, Battambang

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 50
Maximum loan size3,000
Distribution at Disbursement (Est.)
Loans less than USD 1,50050%
USD 1,500-5,00050%
USD 5,000-10,0000
USD 10,000-15,0000
USD 15,000-18,0000
Greater than USD 18,0000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term18.0 months
Approx average15.0 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 usage10%
Average grace period6.0 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 800
Maximum loan size14,000
Distribution at Disbursement (Est.)
Loans less than THB 10,00040%
THB 10,000-30,00060%
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 months20%
Between 10 and 12 months80%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period1.0 month
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 interest29.00%
Highest quoted nominal interest32.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionOrigination 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?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 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 interest2.80%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesBranch, Client Risk
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
Additional Comments
Financial education is part of our services to clients. Funeral benefits for clients, spouse, and children are also included as part of the insurance benefit, but we do not charge any additional fee/premium from them, other than interest on loan.

Full Pricing Data

Solidarity Credit Group (USD) 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
USD 50 Generated 2014-11-01 12.0 months N/A USD 9.46 33.6% 29.6% 4.0% 0.0% 0.0% 0.0% 86 - PDF
USD 900 Generated 2014-11-01 12.0 months N/A USD 170.31 33.6% 29.6% 4.0% 0.0% 0.0% 0.0% 86 - PDF
USD 1,500 Generated 2014-11-01 12.0 months N/A USD 292.68 34.6% 30.6% 4.0% 0.0% 0.0% 0.0% 84 - PDF
USD 3,000 Generated 2014-11-01 12.0 months N/A USD 603.06 35.5% 31.6% 3.9% 0.0% 0.0% 0.0% 82 - PDF

Full Pricing Data

Small Business Loan - Community Bank - THB samples
Sample 1Sample 2Sample 3
Loan AmountTHB 2,000THB 8,000THB 10,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-03-042013-01-222013-02-07
Loan Term (Months)12.0 months11.0 months12.0 months
Grace Period (Months)0.5 months-0.3 months0.3 months
Total Cost of CreditTHB 368THB 1,279THB 1,884
True Price by Comp     
Interest price component33.6%33.9%35.2%
Fee Component0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)33.6%33.9%35.2%
Transparency Index1009996
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Solidarity Credit Group (USD) Price Graphs


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Small Business Loan - Community Bank - 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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