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Thaneakea Phum Cambodia has four main loan products. TPC offers flexible and convenient repayment methods.
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A. Group Loans:
TPC has group loan products that utilize the village bank methodology in lieu of collateral guarantees. These are the: (1) Thaneakea Phum Loan (TPL); (2) Solidarity Group Loan (SGL); and (3) Market Loan (ML) Product.
1. Thaneakea Phum Loan (TPL):
The Thaneakea Phum Loan (TPL) is a community based lending facility that uses the Village Bank (VB) as the service delivery point.
The TPL has two kinds of payment terms: End of Cycle (EOC) and the Fixed Term.
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TPL Loan Terms
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End of Cycle
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Fixed Term
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Payment Mode
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Monthly (28 Days)
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Monthly (28 Days)
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Interest Rate
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3.5%
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3.0%
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Term
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3 to 8 Months
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3 to 12 Months
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Loan Size
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200,000 to 500,000 Riels
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200,000 to 2 Million Riels
(USD $50 to 500)
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2. Solidarity Group Loan (SGL):
The Solidarity Group Loan (SGL) is another product option for groups. The main difference is that groups choose to make their payments directly at the TPC branch or satellite office.
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Solidarity Group Loan
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Terms
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Payment Term
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Fixed Term
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Payment Mode
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Weekly, Biweekly, Monthly (28 Days)
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Interest Rate
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3.0%
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Term
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3 to 12 months
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Loan Size
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300,000 to 2 Million Riels (USD$75-$500)
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3. Market Loan (ML) Product:
The Market Loan (ML) is primarily for clients who work in the markets surrounding TPC’s branch locations.
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Market Loan
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Terms
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Payment Term
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Fixed Term
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Payment Mode
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Daily or in advance payment depending on arrangement
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Interest Rate
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3.0%
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Term
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90 to 252 Days
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Loan Size
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200,000 to 3 Million Riels (USD$50-$750)
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B. Individual loans:
The Individual Loan Product (ILP) is for individual entrepreneurs that require bigger loan size for additional working capital or acquisition of fixed assets..
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Individual Loan Product
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Terms
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Loan facility
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Multiple currency (KHR, THB, and US$)
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Payment Term
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Fixed Term
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Payment Mode
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Monthly, Biweekly, weekly
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Interest Rate
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2.5 to 3.0%
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Term
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3 to 12 Months
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Loan Size
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1 to 20 Million Riels (USD$250-5,000)
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