2. ACLEDA
Please note that the information you are viewing is 169 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. GM Bank
Please note that the information you are viewing is 160 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

ACLEDA Bank Plc. #61, Preah Monivong Blvd.Sangkat Srah Chork, Khan Daun PenhPhnom Penh, CambodiaN/A
Data approved: 2011-02-02
Data version: 2
Age of data: 169 months
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Institution

GM Bank of Luzon, Inc. Brgy. Dimasalang, Maharlika HighwayCabanatuan City, Nueva Ecija3100
Data approved: 2011-11-16
Data version: 1
Age of data: 160 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.acledabank.com.kh/
Year established1993
Head of InstitutionMr. In Channy
Regions active
# Branches233

Total Portfolio (nat'l)KHR 889,996,000,000
Total Portfolio (USD)USD 225,315,443
Active clients with loans235,257
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliations
Funders

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addresshttp://www.gmbank.com.ph/
Year established2004
Head of InstitutionMr. Tomas S. Gomez, IV
Regions active
# Branches40

Total Portfolio (nat'l)PhP 110,367,523
Total Portfolio (USD)USD 2,640,371.36
Active clients with loans23,581
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliations
Funders

Loan Products » Summary

Micro KHR
139,997 Borrowers
USD 56,821,772.15 Portfolio
Active Product
Micro USD
26,191 Borrowers
USD 16,854,649 Portfolio
Active Product
Micro THB
7,344 Borrowers
USD 5,114,741.63 Portfolio
Active Product
Small KHR
5,221 Borrowers
USD 9,206,850.40 Portfolio
Active Product
Small USD
54,364 Borrowers
USD 120,849,087.90 Portfolio
Active Product
Small THB
2,140 Borrowers
USD 6,239,555.23 Portfolio
Active Product

Loan Products » Summary

ASAP
3,251 Borrowers
USD 1,016.77 Portfolio
Active Product
Asenso
19,431 Borrowers
USD 1,547,277.39 Portfolio
Active Product
Micro-Agri
872 Borrowers
USD 5,375.60 Portfolio
Active Product

Loan Products » Conditions

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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
ASAP Loan Program PHP 5,000 - 150,000 3 - 6 60% - 80% 80% - 100% Business Women, Men, Have business, Have home or land, Specific age group Credit Educ
Asenso Loan PHP 3,000 - 50,000 6 60% - 80% 0% - 20% Business Women, Men, Have business, Specific age group Credit Educ, Group Mtgs, Credit Ins, Savings
Micro-Agri Loan Product PHP 8,000 - 80,000 6 - 12 20% - 40% 0% - 20% Business Women, Men, Have business, Have home or land, Specific age group Group Mtgs, Credit Ins

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
ASAP Loan Program 30.0%-36.0% annual, Flat 2 Fees 1 Ins 5.00% loan amt 100.00 upfront 10.00% ongoing 72% - 93.2% 91.4% - 120.1% 29
Asenso Loan 25.9% annual, Flat 2 Fees 2 Ins 5.00% loan amt 100.00 upfront 16.00% ongoing 75.5% - 100.5% 107% - 142.7% 21
Micro-Agri Loan Product 30.0% annual, Flat 2 Fees 1 Ins 5.00% loan amt 100.00 upfront 10.00% ongoing 42.4% - 64.5% 56.6% - 85.8% 42

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
ASAP Loan Program 30.0%-36.0% annual, Flat 2 Fees 1 Ins Ins 5.00% loan amt 100.00 upfront 10.00% ongoing 72% - 93.2% 91.4% - 120.1% 29
Asenso Loan 25.9% annual, Flat 2 Fees 2 Ins Ins 5.00% loan amt 100.00 upfront 16.00% ongoing 75.5% - 100.5% 107% - 142.7% 21
Micro-Agri Loan Product 30.0% annual, Flat 2 Fees 1 Ins Ins 5.00% loan amt 100.00 upfront 10.00% ongoing 42.4% - 64.5% 56.6% - 85.8% 42
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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
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