| Number borrowers | 9,244 |
| Loan Amount (range) | ZMK 500,000 - 90,000,000 |
| Loan Term (range) | 3 - 12 |
| Other Services (text summary) | Credit Educ, Group Mtgs, Credit Ins, Business Training |
| Annual Interest & Method | 51.0%-63.0% annual, Flat |
| Fees | 10,000.00 upfront 2.50% upfront |
| Insurance | 1.00% upfront |
| Tax | None |
| Comp Dep | 18.0% upfront |
| Range of pricing | |
| Interest Price Component | N/A |
| Fee Component | 86.6% - 102.1% (Int+Fee) |
| Insurance Component | 2.9% - 6.3% |
| Tax Component Range | 0 |
| Full APR (int fee ins tax dep) | 124.0% - 144.9% |
| Transparency Index (min/max) | 0 - N/A |
| Transparency Index (average) | 37 |
| 1,042 |
| THB 800 - 14,000 |
| 3 - 12 |
| Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training |
| 33.6%-36.0% annual, Decl Bal |
| None |
| None |
| None |
| N/A |
| 21.5% - 35.9% |
| 0 |
| 0 |
| 0 |
| 33.6% - 35.2% |
| 68 - 100 |
| 98 |
| Outstanding portfolio (ZMK) | ZMK 6,832,397,704 |
| Portfolio (USD) | USD 1,320,270.09 |
| Active Clients with Loans | 9,244 |
| Approximate % Female Clients | 60% - 80% |
| Approximate % Urban Clients | 20% - 40% |
| Individual | |
| Solidarity group | x |
| Village banking | |
| 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 | x |
| Other training | |
| Other | |
| 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) |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Outstanding portfolio (THB) | THB 7,708,433 |
| Portfolio (USD) | USD 261,302.81 |
| Active Clients with Loans | 1,042 |
| Approximate % Female Clients | 80% - 100% |
| Approximate % Urban Clients | 0% - 20% |
| 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 | x |
| Other training | x |
| Other | |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | x |
| Must be a salaried worker | |
| Must be specific age group | x |
| Other | |
| Other (2) |
| # Regions for this institution | 20 |
| # Regions for this product | 2 |
| Regions Active | Banteay Meanchey, Battambang |
| Currency | ZMK |
| Minimum loan size | ZMK 500,000 |
| Maximum loan size | 90,000,000 |
| Shortest loan term | 3.0 months |
| Longest loan term | 12.0 months |
| Approx average | 6.0 months |
| Grace period usage | 100% |
| Average grace period | 0.3 months |
| 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 |
| Currency | THB |
| Minimum loan size | THB 800 |
| Maximum loan size | 14,000 |
| Loans less than THB 10,000 | 40% |
| THB 10,000-30,000 | 60% |
| THB 30,000-50,000 | 0 |
| THB 50,000-70,000 | 0 |
| THB 70,000-90,000 | 0 |
| Greater than THB 90,000 | 0 |
| Shortest loan term | 3.0 months |
| Longest loan term | 12.0 months |
| Approx average | 10.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 0 |
| Between 7 and 9 months | 20% |
| Between 10 and 12 months | 80% |
| Between 13 and 18 months | 0 |
| Longer than 18 months | 0 |
| Grace period usage | 100% |
| Average grace period | 1.0 month |
| 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 |
| Lowest quoted nominal interest | 4.25% |
| Highest quoted nominal interest | 5.25% |
| Reason(s) why interest rate varies | Time as Client, Interest varies in relation to number of loan cycles |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Flat |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | Fee 2 | ||
|---|---|---|---|
| Description | Application fee | Processing Fee | |
| % of loan amount - min | 0 | 2.50% | |
| % of loan amount - max | 0 | 2.50% | |
| OR, Fixed amount - min | 10,000 | 0 | |
| Fixed amount - max | 10,000 | 0 | |
| Reason for variation | N/A | N/A | |
| Appears on Repayment Sched? | No | No |
| Ins 1 | |
|---|---|
| Description | Credit Life Assurance |
| % 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? | No |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | No |
| Do borrowers control deposit in their group? | No |
| % loan amount deposited | 18.00% |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | 0 |
| Conditions on access to deposit | End Term |
| Minimum interest rate paid | 0 |
| Maximum interest rate paid | 0 |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | No |
| Lowest quoted nominal interest | 2.80% |
| Highest quoted nominal interest | 3.00% |
| Reason(s) why interest rate varies | Branch, Client Risk |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | 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 |
| Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
|---|---|---|---|---|---|---|---|
| Loan Amount | ZMK 750,000 | ZMK 1,500,000 | ZMK 2,500,000 | ZMK 4,000,000 | |||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
| Disbursement Date | 2011-06-01 | 2011-06-13 | 2011-06-21 | 2011-03-28 | |||
| Loan Term (Months) | 4.0 months | 4.0 months | 6.0 months | 9.0 months | |||
| Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | |||
| Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | |||
| True Price by Comp | |||||||
| Interest and Fee Component | 102.1% | 101.3% | 86.6% | 96.4% | |||
| Insurance Component | 5.1% | 5.1% | 3.8% | 2.9% | |||
| Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
| Deposit Component | 37.6% | 37.7% | 33.7% | 35.7% | |||
| Full APR (int fee ins tax dep) | 144.9% | 144.1% | 124.0% | 134.9% | |||
| Transparency Index | 35 | 35 | 41 | 38 | |||
| Original Repayment Schedule | |||||||
| MFT Pricing Calculation |
| Sample 1 | Sample 2 | Sample 3 | |||
|---|---|---|---|---|---|
| Loan Amount | THB 2,000 | THB 8,000 | THB 10,000 | ||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
| Disbursement Date | 2013-03-04 | 2013-01-22 | 2013-02-07 | ||
| Loan Term (Months) | 12.0 months | 11.0 months | 12.0 months | ||
| Grace Period (Months) | 0.5 months | -0.3 months | 0.3 months | ||
| Total Cost of Credit | THB 368 | THB 1,279 | THB 1,884 | ||
| True Price by Comp | |||||
| Interest price component | 33.6% | 33.9% | 35.2% | ||
| Fee Component | 0.0% | 0.0% | 0.0% | ||
| Insurance Component | 0.0% | 0.0% | 0.0% | ||
| Tax Component | 0.0% | 0.0% | 0.0% | ||
| Deposit Component | 0.0% | 0.0% | 0.0% | ||
| Full APR (int fee ins tax dep) | 33.6% | 33.9% | 35.2% | ||
| Transparency Index | 100 | 99 | 96 | ||
| Original Repayment Schedule | |||||
| MFT Pricing Calculation |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| 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 | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
