2. VF Cambodia
Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Wisdom MFI
Please note that the information you are viewing is 148 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

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: 132 months
Choose version

Institution

Wisdom Microfinance Institution S.Co Bole Sub CityAddis Ababa31478
Data approved: 2012-03-12
Data version: 1
Age of data: 148 months

Product

Non-Business Loan - Individual - USD Product 8 of 21 « Prev | Next »

Product

Enterprise loan Product 5 of 6 « Prev | Next »

Product Summary

Number borrowers2,967
Loan Amount (range)USD 1,001 - 10,000
Loan Term (range)3 - 30
Other Services (text summary)Credit Educ, Credit Ins, Business Training, Other Training
Annual Interest & Method21.0%-36.0% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component21.5% - 35.9%
Fee Component0
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)22.0% - 26.3%
Transparency Index (min/max)68 - 100
Transparency Index (average)91

Product Summary

61
ETB 4,500 - 8,000
9 - 12
Credit Educ, Group Mtgs, Credit Ins
15.0% annual, Flat
2.50% upfront
None
None
10.0% upfront 10.00 ongoing
 
N/A
22.9% - 31.9% (Int+Fee)
2.3% - 7.6%
0
30.1% - 76.9%
20 - 69
35

Product Details

Key Statistics
Outstanding portfolio (USD)USD 4,352,304.56
Portfolio (USD)USD 4,352,304.56
Active Clients with Loans2,967
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
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 meetings
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

Product Details

Key Statistics
Outstanding portfolio (ETB)ETB 126,050
Portfolio (USD)USD 6,850.54
Active Clients with Loans61
Approximate % Female Clients60% - 80%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
This is for entrepreneurs in urban areas. Having at least one employee, minimum capital and being in business at least for six months are some of the requirements.
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 training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherMust have at least one employee
Other (2)Must have at least a certain minimum capital limit.
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 1,001
Maximum loan size10,000
Distribution at Disbursement (Est.)
Loans less than USD 2500
USD 250-1,0000
USD 1,000-1,50015%
USD 1,500-2,00040%
USD 2,000-2,50030%
Greater than USD 2,50030%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term30.0 months
Approx average24.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months5%
Between 13 and 18 months5%
Longer than 18 months90%
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

Loan Conditions

Loan Amount
CurrencyETB
Minimum loan sizeETB 4,500
Maximum loan size8,000
Loan Term and Grace Period
Shortest loan term9.0 months
Longest loan term12.0 months
Approx average10.0 months
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

Pricing Information

Interest
Lowest quoted nominal interest1.75%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, 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.

Pricing Information

Interest
Lowest quoted nominal interest15.00%
Highest quoted nominal interest15.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionService Charge
% of loan amount - min2.50%
% of loan amount - max2.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
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?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00% - N/A
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedETB 10 - N/A
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid5.00%
Maximum interest rate paid5.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No
Additional Comments
Savings interest is compounded monthly

Full Pricing Data

Non-Business Loan - Individual - USD samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 1,200USD 1,800USD 2,500USD 3,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-082013-02-122013-03-212013-03-07
Loan Term (Months)23.0 months24.0 months24.0 months24.0 months
Grace Period (Months)0.1 months-0.1 months-0.3 months0.2 months
Total Cost of CreditUSD 316.31USD 412.63USD 560.99USD 692.03
True Price by Comp       
Interest price component26.3%22.1%22.0%22.5%
Fee Component0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)26.3%22.1%22.0%22.5%
Transparency Index80959693
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Enterprise loan samples
Sample 1Sample 2Sample 3
Loan AmountETB 4,000ETB 8,000ETB 8,000
Loan Cycle (1, 2, 3, etc)3Not KnownNot Known
Disbursement Date2011-12-162011-08-192011-08-19
Loan Term (Months)6.0 months12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component22.9%31.9%31.9%
Insurance Component4.4%4.2%4.2%
Tax Component0.0%0.0%0.0%
Deposit Component2.8%7.0%40.8%
Full APR (int fee ins tax dep)30.1%43.1%76.9%
Transparency Index503520
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Non-Business Loan - Individual - USD Price Graphs


Click to view Price Analysis Tool
Enterprise loan Price Graphs


Click to view Price Analysis Tool
Caps / Zoom options
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
Loading...
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

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞