Please note that the information you are viewing is 156 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
Please note that the information you are viewing is 131 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Empowerment Micro Finance institution ltd 72, Sikoongo RoadSiavonga, Zambia, Souther ProvinceP.O.BOX 183
Data approved: 2011-12-12
Data version: 1
Age of data: 156 months

Institution

SATHAPANA Limited #831C, Monivong Blvd, Phsa Doem ThkovChamkarmornPhnom Penh, N/A1423
Data approved: 2010-09-22
Data version: 1
Age of data: -   months 

Product

Agricultural Input Loan Product 1 of 5 « Prev | Next »

Product

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Product Summary

Number borrowers73
Loan Amount (range)ZMK 2,000,000 - 6,000,000
Loan Term (range)10 - 11
Other Services (text summary)Business Training, Microcredit Scheme
Annual Interest & Method42.0% annual, Flat
FeesNone
Insurance5.00% upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component56.6% - 56.8% (Int+Fee)
Insurance Component0 - 7.8%
Tax Component Range0
Full APR (int fee ins tax dep)64.4% - 64.6%
Transparency Index (min/max)0 - N/A
Transparency Index (average)65

Product Summary

1,462
KHR 100,000 - 20,000,000
0
Credit Educ
2.3%-3.5% annual, Decl Bal
None
None
None
5.0% upfront
 
#N/A
N/A

Product Details

Key Statistics
Outstanding portfolio (ZMK)ZMK 198,000,000
Portfolio (USD)USD 38,260.87
Active Clients with Loans73
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Loan given to farmers to acquire inputs during the planting season. The loan period is 11 months. The installment is low during the first 9 months when farmers are planting and higher during the last two months when the crop is sold in the market.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business trainingx
Other training
OtherMicrocredit Scheme
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherSmall scale farmers
Other (2)minimum one hectare
# 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 3,290,315,900
Portfolio (USD)USD 822,578.98
Active Clients with Loans1,462
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
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)
# 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
CurrencyZMK
Minimum loan sizeZMK 2,000,000
Maximum loan size6,000,000
Loan Term and Grace Period
Shortest loan term10.0 months
Longest loan term11.0 months
Approx average10.5 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

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 100,000
Maximum loan size20,000,000
Loan Term and Grace Period
Shortest loan term0
Longest loan term0
Approx average0
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
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest42.00%
Highest quoted nominal interest42.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
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
Ins 1
DescriptionInsurance Fee
% of loan amount - min5.00%
% of loan amount - max5.00%
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 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 interest2.30%
Highest quoted nominal interest3.50%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
Is rate fixed for entire loan termN/A
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 forSome
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited5.00% - N/A
or, Fixed-amount deposited0 - N/A
Deposits DURING period payments
% loan amount deposited0 - N/A
or, Fixed-amount deposited0 - N/A
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid4.00%
Maximum interest rate paid4.00%
Interest payment frequencyEnd Term
Taxes
Are taxes charged on this product?No
Additional Comments
Loan fee show in disbursement voucher

Full Pricing Data

Agricultural Input Loan samples
Sample 1Sample 2Sample 3
Loan AmountZMK 2,000,000ZMK 4,000,000ZMK 6,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2010-10-262010-11-192010-10-26
Loan Term (Months)12.0 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 Component56.7%56.8%56.6%
Insurance Component7.8%7.8%7.7%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)64.5%64.6%64.4%
Transparency Index656565
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Balloon Loan KHR samples
No sample data for this product
Agricultural Input Loan 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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