2. HKL
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
  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

Hattha Kaksekar Limited No 606, st 271, Sangkat Phsar Deum Thkouv, Chamcarmon, Phnom PenhNo 19GH, St 271 Sangkat Beung Salang, Phnom PenhPhnom Penh, Cambodia855
Data approved: 2011-02-02
Data version: 2
Age of data: -   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

Medium Loans Product 2 of 4 « Prev | Next »

Product

Non-Business Loan - Solidarity Group - KHR Product 9 of 21 « Prev | Next »

Product Summary

Number borrowers5,315
Loan Amount (range)USD 2,501 - 10,000
Loan Term (range)3 - 36
Other Services (text summary)
Annual Interest & Method23.4%-30.0% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp Dep5.00 upfront 5.00 ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component23.7% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)24.4% - 24.6%
Transparency Index (min/max)81 - 98
Transparency Index (average)95

Product Summary

1,063
KHR 600,100 - 4,000,000
3 - 24
Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
34.2%-36.0% annual, Decl Bal
None
None
None
N/A
 
21.5% - 35.9%
0
0
0
34.4% - 35.5%
68 - 100
98

Product Details

Key Statistics
Outstanding portfolio (USD)USD 14,235,223.83
Portfolio (USD)USD 14,235,223.83
Active Clients with Loans5,315
Approximate % Female Clients60% - 80%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Bigger than 2500$ to 10000$\r
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculture
Educationx
Other household financex
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Men
Women
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 institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 1,905,507,200
Portfolio (USD)USD 482,406.89
Active Clients with Loans1,063
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Non-Business Loan refers to any loan used for purchasing personal or household assets such as bike, motorbike, computer set, radio, water filter, latrine etc.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loanx
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 workerx
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution20
# Regions for this product20
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh KongKratié, Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey VengSiem Reap, Svay Rieng, Takéo

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 2,501
Maximum loan size10,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term36.0 months
Approx average19.5 months
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
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
CurrencyKHR
Minimum loan sizeKHR 600,100
Maximum loan size4,000,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,00010%
KHR 1,000,000-3,500,00070%
KHR 3,500,000-6,000,00020%
KHR 6,000,000-8,000,0000
KHR 8,000,000-10,000,0000
Greater than KHR 10,000,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months10%
Between 13 and 18 months60%
Longer than 18 months30%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 monthsx
Quarterlyx
Every 6 monthsx
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest1.95%
Highest quoted nominal interest2.50%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited0 - N/A
or, Fixed-amount depositedUSD 5 - N/A
Deposits DURING period payments
% loan amount deposited0 - N/A
or, Fixed-amount depositedUSD 5 - N/A
Conditions on access to deposit
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
Saving product here is not provided interest rate to depositors

Pricing Information

Interest
Lowest quoted nominal interest2.85%
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

Medium Loans samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 2,600USD 2,700USD 3,000USD 3,500
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-05-062013-03-222013-05-232013-05-23
Loan Term (Months)18.0 months24.0 months24.0 months30.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component23.7%23.7%23.7%23.7%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.7%0.9%0.8%0.9%
Full APR (int fee ins tax dep)24.4%24.6%24.5%24.6%
Transparency Index96959595
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Non-Business Loan - Solidarity Group - KHR samples
Sample 1Sample 2Sample 3
Loan AmountKHR 800,000KHR 1,500,000KHR 2,600,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-02-202013-02-082013-02-05
Loan Term (Months)24.0 months19.0 months17.0 months
Grace Period (Months)2.9 months5.4 months3.3 months
Total Cost of CreditKHR 320,800KHR 602,000KHR 898,200
True Price by Comp     
Interest price component34.4%34.5%35.5%
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)34.4%34.5%35.5%
Transparency Index999996
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Medium Loans Price Graphs


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Non-Business Loan - Solidarity Group - KHR 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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