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 |
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 | 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 |
Outstanding portfolio (USD) | USD 4,508,349 |
Portfolio (USD) | USD 4,508,349 |
Active Clients with Loans | 2,885 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 60% - 80% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | x |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | |
Must own a home or land | |
Must be a salaried worker | x |
Must be specific age group | |
Other | Beneficiario de una jubilación, monte pio o similares. |
Other (2) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Currency | USD |
Minimum loan size | USD 80 |
Maximum loan size | 10,000 |
Shortest loan term | 3.0 months |
Longest loan term | 36.0 months |
Approx average | 17.0 months |
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 |
Lowest quoted nominal interest | 15.10% |
Highest quoted nominal interest | 15.10% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Seguro de desgravamen (no es ingreso para la institucio) |
% of loan amount - min | 0.36% |
% of loan amount - max | 0.36% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | |
Appears on Repayment Sched? | No |
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 | Sample 5 | |||||
---|---|---|---|---|---|---|---|---|---|
Loan Amount | USD 400 | USD 1,000 | USD 2,000 | USD 4,182.35 | USD 8,000 | ||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
Disbursement Date | 2010-05-10 | 2010-05-20 | 2010-05-12 | 2010-05-11 | 2010-05-12 | ||||
Loan Term (Months) | 6.0 months | 12.0 months | 18.0 months | 24.0 months | 30.0 months | ||||
Grace Period (Months) | 0.0 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 | Not Known | ||||
True Price by Comp | |||||||||
Interest and Fee Component | 15.5% | 15.4% | 15.3% | 15.3% | 15.3% | ||||
Insurance Component | 1.3% | 0.7% | 0.5% | 0.4% | 0.3% | ||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Full APR (int fee ins tax dep) | 16.8% | 16.1% | 15.8% | 15.7% | 15.6% | ||||
Transparency Index | 90 | 94 | 96 | 96 | 97 | ||||
Original Repayment Schedule | |||||||||
MFT Pricing Calculation |
Key Statistics | |
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# 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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