Number borrowers | 8,018 |
Loan Amount (range) | KHR 200,000 - 40,000,000 |
Loan Term (range) | 0 |
Other Services (text summary) | |
Annual Interest & Method | 2.5%-3.0% annual, Decl Bal |
Fees | None |
Insurance | None |
Tax | None |
Comp Dep | N/A |
Range of pricing | |
Interest Price Component | N/A |
Fee Component | 34.1% - 36.5% (Int+Fee) |
Insurance Component | 22.9% - 40.1% |
Tax Component Range | -40.1% - -22.9% |
Full APR (int fee ins tax dep) | 34.1% - 36.5% |
Transparency Index (min/max) | -1 |
Transparency Index (average) | -1 |
4,771 |
USD 400 - 4,000 |
3 - 18 |
Business Training, Other Training |
28.8%-34.8% annual, Decl Bal |
2.00%-3.00% upfront |
1.00% upfront |
None |
N/A |
28.3% - 30.8% |
2.7% - 3.9% |
1.4% - 2.0% |
0 |
34.9% - 36.7% |
78 - 89 |
80 |
Outstanding portfolio (KHR) | KHR 8,240,082,346 |
Portfolio (USD) | USD 2,060,020.59 |
Active Clients with Loans | 8,018 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 20% - 40% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | x |
Consumer loan | x |
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 |
Men | |
Women | |
Must run a business | |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Outstanding portfolio (USD) | USD 4,967,337 |
Portfolio (USD) | USD 4,967,337 |
Active Clients with Loans | 4,771 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 40% - 60% |
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 | x |
Other training | x |
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) |
# Regions for this institution | 2 |
# Regions for this product | 2 |
Regions Active | Ganja-Qazakh, Shaki-Zaqatala |
Currency | KHR |
Minimum loan size | KHR 200,000 |
Maximum loan size | 40,000,000 |
Shortest loan term | 0 |
Longest loan term | 0 |
Approx average | 0 |
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 usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Currency | USD |
Minimum loan size | USD 400 |
Maximum loan size | 4,000 |
Loans less than USD 1,500 | 60% |
USD 1,500-5,000 | 40% |
USD 5,000-10,000 | 0 |
USD 10,000-15,000 | 0 |
USD 15,000-18,000 | 0 |
Greater than USD 18,000 | 0 |
Shortest loan term | 3.0 months |
Longest loan term | 18.0 months |
Approx average | 11.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 10% |
Between 7 and 9 months | 20% |
Between 10 and 12 months | 50% |
Between 13 and 18 months | 20% |
Longer than 18 months | 0 |
Grace period usage | 100% |
Average grace period | 4.0 months |
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 |
Lowest quoted nominal interest | 2.50% |
Highest quoted nominal interest | 3.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | N/A |
Is rate fixed for entire loan term | N/A |
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 | 2.40% |
Highest quoted nominal interest | 2.90% |
Reason(s) why interest rate varies | Branch, Time as Client, Loan Size, Loan Purpose |
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 | |
---|---|
Description | Commission Fee |
% of loan amount - min | 2.00% |
% of loan amount - max | 3.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | Yes |
Ins 1 | |
---|---|
Description | Insurance Fee |
% 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 |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | ||||||
---|---|---|---|---|---|---|---|---|---|---|---|
Loan Amount | KHR 200,000 | KHR 450,000 | KHR 1,050,000 | KHR 2,000,000 | KHR 4,000,000 | KHR 6,100,000 | |||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
Disbursement Date | 2013-03-14 | 2013-03-27 | 2013-03-25 | 2013-03-27 | 2013-03-05 | 2013-03-22 | |||||
Loan Term (Months) | N/A | N/A | N/A | N/A | N/A | N/A | |||||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | |||||
Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
True Price by Comp | |||||||||||
Interest and Fee Component | DK | DK | DK | DK | DK | DK | |||||
Insurance Component | 36.9% | 37.5% | 36.6% | 36.8% | 36.7% | 31.4% | |||||
Tax Component | -36.9% | -37.5% | -36.6% | -36.8% | -36.7% | -31.4% | |||||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Full APR (int fee ins tax dep) | DK | DK | DK | DK | DK | DK | |||||
Transparency Index | -1 | -1 | -1 | -1 | -1 | -1 | |||||
Original Repayment Schedule | |||||||||||
MFT Pricing Calculation |
Sample 1 | Sample 2 | ||
---|---|---|---|
Loan Amount | USD 1,000 | USD 3,300 | |
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | |
Disbursement Date | 2014-06-25 | 2014-06-13 | |
Loan Term (Months) | 12.0 months | 18.0 months | |
Grace Period (Months) | 0.0 months | 0.0 months | |
Total Cost of Credit | USD 206.95 | USD 973.16 | |
True Price by Comp | |||
Interest price component | 30.8% | 30.7% | |
Fee Component | 3.9% | 2.8% | |
Insurance Component | 2.0% | 1.4% | |
Tax Component | 0.0% | 0.0% | |
Deposit Component | 0.0% | 0.0% | |
Full APR (int fee ins tax dep) | 36.7% | 34.9% | |
Transparency Index | 78 | 83 | |
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 ∞ |