Outstanding portfolio (ZMW) | ZMW 22,277,113 |
Portfolio (USD) | USD 3,479,238.69 |
Active Clients with Loans | 25,762 |
Approximate % Female Clients | 60% - 80% |
Approximate % Urban Clients | 60% - 80% |
Individual | |
Solidarity group | |
Village banking | x |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | |
Other | Funeral benefits |
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) | Must be a member of a self selected village bank |
# Regions for this institution | 5 |
# Regions for this product | 5 |
Regions Active | Central Province, Copperbelt Province, Eastern Province, Northern Province, Southern Province |
Currency | ZMW |
Minimum loan size | ZMW 150 |
Maximum loan size | 12,500 |
Loans less than ZMW 500 | 10% |
ZMW 500-2,000 | 70% |
ZMW 2,000-3,250 | 10% |
ZMW 3,250-4,500 | 5% |
ZMW 4,500-6,000 | 5% |
Greater than ZMW 6,000 | 5% |
Shortest loan term | 6.0 months |
Longest loan term | 12.0 months |
Approx average | 7.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 70% |
Between 7 and 9 months | 30% |
Between 10 and 12 months | 0 |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
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 | x |
Lowest quoted nominal interest | 4.33% |
Highest quoted nominal interest | 4.33% |
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 | Fee 2 | ||
---|---|---|---|
Description | Arrangement And Deposit Fee | Asset Inspection | |
% of loan amount - min | 7.96% | 0 | |
% of loan amount - max | 8.00% | 0 | |
OR, Fixed amount - min | 0 | 25 | |
Fixed amount - max | 0 | 25 | |
Reason for variation | 1.96% to 2% paid for Arrangement fee and 6% for Deposit fee. Arrangement fee varies depending on the number of group members. | N/A | |
Appears on Repayment Sched? | Yes | Yes |
Ins 1 | |
---|---|
Description | Credit Life Insurance |
% 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 |
Loan Amount |
Type of Sample |
Disbursement Date |
Loan Term (Months) |
Grace Period (Months) |
Total Cost of Credit |
Full APR (int fee ins tax dep) |
True Price by Component |
Transparency Index |
Original Repayment Schedule |
MFT Pricing Calculation |
||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Interest price component |
Fee Component |
Insurance Component |
Tax Component |
Deposit Component |
||||||||||
ZMW 1,000 | Real | 2014-10-10 | 6.1 months | N/A | ZMW 272.01 | 94.6% | 50.7% | 39.8% | 4.1% | 0.0% | 0.0% | 55 | ||
ZMW 1,000 | Generated | 2014-11-01 | 6.0 months | 0.0 months | ZMW 270.88 | 95.4% | 50.9% | 40.3% | 4.2% | 0.0% | 0.0% | 54 | - | |
ZMW 1,500 | Real | 2014-10-10 | 6.1 months | N/A | ZMW 395.46 | 91.1% | 50.6% | 36.5% | 4.0% | 0.0% | 0.0% | 57 | ||
ZMW 1,500 | Generated | 2014-11-01 | 6.0 months | 0.0 months | ZMW 393.82 | 91.9% | 50.9% | 36.9% | 4.1% | 0.0% | 0.0% | 57 | - | |
ZMW 1,800 | Generated | 2014-11-01 | 6.0 months | 0.0 months | ZMW 467.58 | 90.8% | 50.9% | 35.8% | 4.1% | 0.0% | 0.0% | 57 | - | |
ZMW 2,000 | Generated | 2014-11-01 | 9.1 months | 0.0 months | ZMW 659.84 | 79.1% | 50.9% | 25.2% | 3.0% | 0.0% | 0.0% | 66 | - | |
ZMW 2,400 | Generated | 2014-11-01 | 6.0 months | 0.0 months | ZMW 615.11 | 89.3% | 50.9% | 34.4% | 4.0% | 0.0% | 0.0% | 58 | - | |
ZMW 3,000 | Generated | 2014-11-01 | 9.1 months | 0.0 months | ZMW 977.25 | 77.8% | 50.9% | 24.0% | 2.9% | 0.0% | 0.0% | 67 | - | |
ZMW 3,500 | Generated | 2014-11-01 | 6.0 months | 0.0 months | ZMW 885.57 | 88.0% | 50.9% | 33.0% | 4.1% | 0.0% | 0.0% | 59 | - | |
ZMW 4,900 | Generated | 2014-11-01 | 6.0 months | 0.0 months | ZMW 1,229.80 | 87.2% | 50.9% | 32.2% | 4.1% | 0.0% | 0.0% | 60 | - |
Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.sathapana.com/ |
Year established | 1995 |
Head of Institution | Dr. Bun Mony |
Regions active | Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh KongKratié, Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo |
# Branches | 88 |
Total Portfolio (nat'l) | KHR 460,081,000,000 |
Total Portfolio (USD) | USD 116,476,202.50 |
Active clients with loans | 66,805 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 20% - 40% |
Network affiliations | Cambodia Microfinance Assosiation (CMA) |
Funders | Maruhan Japan Group, Cambodia Community Building (NGO) |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Balloon & Semi Balloon Loan USD | USD 50 - 25,000 | 1 - 12 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land | ||||||||
Balloon & Semi Balloon Loan KHR | KHR 200,000 - 100,000,000 | 1 - 12 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land | ||||||||
Micro Loan USD | USD 50 - 5,000 | 1 - 30 | 0% - 20% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land | ||||||||
Micro Loan KHR | KHR 200,000 - 20,000,000 | 1 - 30 | 40% - 60% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land | ||||||||
Group Loan KHR | KHR 200,000 - 1,500,000 | 1 - 12 | 80% - 100% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Balloon & Semi Balloon Loan USD | 18.0%-30.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 23.2% - 30.4% | 23.2% - 30.4% | 62 | ||||||||
Balloon & Semi Balloon Loan KHR | 24.0%-42.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 30.3% - 36.2% | 30.3% - 36.2% | 74 | ||||||||
Micro Loan USD | 21.6%-42.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 21.9% - 36.4% | 21.9% - 36.4% | 74 | ||||||||
Micro Loan KHR | 27.6%-42.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 30.3% - 33.5% | 30.3% - 33.5% | 89 | ||||||||
Group Loan KHR | 30.0%-42.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 30.3% - 36.4% | 30.3% - 36.4% | 87 |
Key Statistics | |
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Loan Portfolio (USD) | |
% Products using declining balance | |
% Products with one or more fee | |
% Products with one or more insurances | |
% Products with compulsory deposits |
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