Please note that the information you are viewing is 123 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE


CETZAM Financial Services PLC CETZAM HousePrivate Bag E760Lusaka10101
Data approved: 2011-12-12
Data version: 1
Age of data: 123 months


Individual Loan Product 2 of 4 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (ZMK)ZMK 8,463,142,196
Portfolio (USD)USD 1,635,389.80
Active Clients with Loans1,909
Approximate % Female Clients60% - 80%
Approximate % Urban Clients60% - 80%
Solidarity groupx
Village banking
Self help group
Loan term is from 3 to 24 months. Minimum amount is K2,000,000 and maximum is K250,000,000. Client has collateral for the borrowing.
Loan Purpose
Any purpose
Income generationx
Consumer loan
Other household finance
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visitsx
Business trainingx
Other training
Other (2)
No other services
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other (2)
# 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
Minimum loan sizeZMK 2,000,000
Maximum loan size250,000,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx average12.0 months
Grace Period
Grace period usage100%
Average grace period1.0 month
Repayment Frequency
Every 2 weeks
Every 4 weeks
Every 2 months
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Lowest quoted nominal interest5.00%
Highest quoted nominal interest6.50%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionProcessing fees/Admin feeNtula
% of loan amount - min3.80%0.90%
% of loan amount - max3.80%3.00%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Life Insurance
% of loan amount - min0.44%
% of loan amount - max1.90%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to deposit
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Are taxes charged on this product?No
Additional Comments
Loan Security Fee ranges from 1% to 2%. Ntula has been calculated at 2.41%

Full Pricing Data

Individual Loan samples
Sample 1Sample 2Sample 3
Loan AmountZMK 4,500,000ZMK 5,000,000ZMK 10,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2011-09-012011-08-292011-07-07
Loan Term (Months)6.0 months6.0 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 Component141.3%140.3%138.3%
Insurance Component8.7%8.6%5.2%
Tax Component0.0%0.0%0.0%
Deposit Component27.5%27.4%23.8%
Full APR (int fee ins tax dep)177.5%176.3%167.4%
Transparency Index343436
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Individual Loan Price Graphs

Please note that the information you are viewing is 99 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE


First Finance PLC # A15-17, Stree 271,Khan Chamkarmorn, Phnom Penh
Data approved: 2013-03-28
Data version: 3
Age of data: 99 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website address
Year established2009
Head of InstitutionLim Hak Khoun (Kevin)
Regions activeBattambang, Kandal, Phnom PenhSiem Reap
# Branches3

Total Portfolio (nat'l)KHR 23,500,000,000
Total Portfolio (USD)USD 5,949,367.09
Active clients with loans564
Approximate % female clients20% - 40%
Approximate % urban clients80% - 100%
Network affiliationsCambodian Microfinance Association (CMA)
FundersFirst Home Plc, Insitor Fund SCA, Poems Pte Ltd

Loan Products » Summary

564 Borrowers
USD 5,819,783 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Housing Loan USD 1,000 - 37,500 12 - 180 20% - 40% 80% - 100% Housing Women, Men

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Housing Loan 18.0%-24.0% annual, Decl Bal 1 Fee 1 Ins None N/A 20% - 26.2% 22% - 30.5% 70
Institution Price Graph
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
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N (# of Samples)
Total Borrrowers of Samples
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By Inst Type
By Country

Total Borrowers of Samples

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