Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.acledabank.com.kh/ |
Year established | 1993 |
Head of Institution | Mr. In Channy |
Regions active | |
# Branches | 233 |
Total Portfolio (nat'l) | KHR 889,996,000,000 |
Total Portfolio (USD) | USD 225,315,443 |
Active clients with loans | 235,257 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 20% - 40% |
Network affiliations | |
Funders |
Institution Type | Bank |
Is this institution regulated? | Yes |
Website address | http://www.bancofie.com.bo/ |
Year established | 1985 |
Head of Institution | Andrés Urquidi |
Regions active | Beni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija |
# Branches | 144 |
Total Portfolio (nat'l) | BOB 3,842,958,060 |
Total Portfolio (USD) | USD 569,327,120 |
Active clients with loans | 231,888 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 60% - 80% |
Network affiliations | GAVB, ASOFIN |
Funders | CONFIE, DWM Funds S.C.A.-SICAV SIF, CPP Incofin C.V.S.O., Oikocredit |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Micro Loan (KHR) | KHR 50,000 - 6,000,000 | 6 - 18 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business | ||||||||
Micro Loan (USD) | USD 300 - 1,500 | 6 - 18 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business | ||||||||
Micro Loan (THB) | THB 7,000 - 60,000 | 6 - 18 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business | ||||||||
Small Loan (KHR) | KHR 6,000,001 - 39,999,999 | 6 - 24 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business, Have home or land | ||||||||
Small Loan (USD) | USD 1,501 - 9,999 | 6 - 24 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business, Have home or land | ||||||||
Small Loan (THB) | THB 60,001 - 399,999 | 6 - 24 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business, Have home or land |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Créditos Garantia Hipotecaria (BOB) | BOB 15,000 - 9,115,000 | 18 - 144 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land | Credit Educ | |||||||
Créditos Garantia Hipotecaria (USD) | USD 3,000 - 692,000 | 24 - 120 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land | Credit Educ | |||||||
Créditos Garantia Vehículo (BOB) | BOB 200 - 1,175,804 | 1 - 120 | 40% - 60% | 60% - 80% | Any Purpose | Women, Men, Have business | Credit Educ | |||||||
Créditos Garantia Vehículo (USD) | USD 500 - 137,600 | 6 - 120 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Have business | Credit Educ | |||||||
Créditos Otros Garantia (BOB) | BOB 200 - 742,252 | 1 - 120 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Have business | Credit Educ | |||||||
Créditos Otros Garantia (USD) | USD 310 - 80,000 | 1 - 120 | 20% - 40% | 80% - 100% | Any Purpose | Women, Men, Have business | Credit Educ |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Micro Loan (KHR) | 28.8%-32.4% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 30.4% - 32.9% | 30.4% - 32.9% | 89 | ||||||||
Micro Loan (USD) | 28.8%-32.4% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 30.5% - 33% | 30.5% - 33% | 90 | ||||||||
Micro Loan (THB) | 28.8%-32.4% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 30.4% - 33% | 30.4% - 33% | 91 | ||||||||
Small Loan (KHR) | 24.0%-28.8% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 26.8% - 29.2% | 26.8% - 29.2% | 87 | ||||||||
Small Loan (USD) | 18.0%-24.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 21.9% - 23.2% | 21.9% - 23.2% | 80 | ||||||||
Small Loan (THB) | 24.0%-28.8% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 29.2% - 29.3% | 29.2% - 29.3% | 82 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Créditos Garantia Hipotecaria (BOB) | 9.0%-15.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 12.5% - 14.1% | 12.5% - 14.1% | 63 | ||||||||
Créditos Garantia Hipotecaria (USD) | 10.0%-16.0% annual, Decl Bal | 0 Fees | 0 Ins | 0.15% Principal | N/A | 13.1% - 14.1% | 13.1% - 14.1% | 65 | ||||||||
Créditos Garantia Vehículo (BOB) | 12.0%-17.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 13.8% - 16.6% | 13.8% - 16.6% | 53 | ||||||||
Créditos Garantia Vehículo (USD) | 14.0%-19.0% annual, Decl Bal | 0 Fees | 0 Ins | 0.15% Principal | N/A | 15.3% - 17% | 15.3% - 17% | 55 | ||||||||
Créditos Otros Garantia (BOB) | 15.0%-26.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 18.1% - 26.1% | 18.1% - 26.1% | 63 | ||||||||
Créditos Otros Garantia (USD) | 16.0%-27.0% annual, Decl Bal | 0 Fees | 0 Ins | 0.15% Principal | N/A | 22.1% - 26.6% | 22.1% - 26.6% | 39 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Micro Loan (KHR) | 28.8%-32.4% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 30.4% - 32.9% | 30.4% - 32.9% | 89 | ||||||||
Micro Loan (USD) | 28.8%-32.4% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 30.5% - 33% | 30.5% - 33% | 90 | ||||||||
Micro Loan (THB) | 28.8%-32.4% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 30.4% - 33% | 30.4% - 33% | 91 | ||||||||
Small Loan (KHR) | 24.0%-28.8% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 26.8% - 29.2% | 26.8% - 29.2% | 87 | ||||||||
Small Loan (USD) | 18.0%-24.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 21.9% - 23.2% | 21.9% - 23.2% | 80 | ||||||||
Small Loan (THB) | 24.0%-28.8% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 29.2% - 29.3% | 29.2% - 29.3% | 82 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Créditos Garantia Hipotecaria (BOB) | 9.0%-15.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 12.5% - 14.1% | 12.5% - 14.1% | 63 | ||||||||
Créditos Garantia Hipotecaria (USD) | 10.0%-16.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | 0.15% Principal | N/A | 13.1% - 14.1% | 13.1% - 14.1% | 65 | ||||||||
Créditos Garantia Vehículo (BOB) | 12.0%-17.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 13.8% - 16.6% | 13.8% - 16.6% | 53 | ||||||||
Créditos Garantia Vehículo (USD) | 14.0%-19.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | 0.15% Principal | N/A | 15.3% - 17% | 15.3% - 17% | 55 | ||||||||
Créditos Otros Garantia (BOB) | 15.0%-26.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 18.1% - 26.1% | 18.1% - 26.1% | 63 | ||||||||
Créditos Otros Garantia (USD) | 16.0%-27.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | 0.15% Principal | N/A | 22.1% - 26.6% | 22.1% - 26.6% | 39 |
Key Statistics | |
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# 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 |
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