2. ACLEDA
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  2. MBT
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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: 172 months
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Institution

Micro Bankers Trust Head OfficeLusaka
Data approved: 2011-12-12
Data version: 1
Age of data: 168 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 TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established1996
Head of Institution
Regions active
# Branches11

Total Portfolio (nat'l)ZMK 8,200,000,000
Total Portfolio (USD)USD 1,584,541.06
Active clients with loans14,300
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsAMIZ, AFRACA, INAFI
FundersUNDP, IFAD (International Fund for Agricultural Development)

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

Equipment
110 Borrowers
USD 215,406.28 Portfolio
Active Product
SME Loan
63 Borrowers
USD 56,369.15 Portfolio
Active Product
Twende
13,736 Borrowers
USD 1,231,216.17 Portfolio
Active Product
Livestock
33 Borrowers
USD 32,993.89 Portfolio
Low Volume Product
Dairy Loan
45 Borrowers
USD 27,632.85 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

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
Equipment Loan ZMK 2,000,000 - 50,000,000 12 - 36 20% - 40% 40% - 60% Business, Farmining business for throughout the year Women, Men, Must have a farm holding and source of water throughout the year Credit Educ, Group Mtgs, Credit Ins
Individual SME Loan ZMK 1,000,000 - 10,000,000 3 - 12 40% - 60% 60% - 80% Business, Consumer Women, Men, Have business, Salaried worker, Either run a business or be salaried Credit Educ, Group Mtgs, Business Training
Twende Loan ZMK 400,000 - 7,000,000 3 - 12 80% - 100% 40% - 60% Business Women, Men, Have business, Start a business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Savings , Education on HIV/AIDS, Gender, and Environment
Dairy Loan ZMK 500,000 - 25,000,000 6 - 24 0% - 20% 20% - 40% Business Women, Men, Have business, Be in a business or start one; belong to a dairy cooperative Credit Educ, 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
Equipment Loan 25.0% annual, Decl Bal 1 Fee 1 Ins None N/A 28.1% - 28.5% 30.4% - 30.8% 81
Individual SME Loan 60.0%-72.0% annual, Decl Bal 2 Fees 1 Ins None N/A 67.6% - 70% 72.2% - 74.7% 82
Twende Loan 60.0% annual, Decl Bal 1 Fee 1 Ins None 15,000.00 upfront 6,000.00 ongoing 60.2% - 63.2% 65.3% - 82.4% 86
Dairy Loan 30.0% annual, Decl Bal 2 Fees 1 Ins None N/A 59% - 59.8% 63.5% - 64.4% 47

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
Equipment Loan 25.0% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 28.1% - 28.5% 30.4% - 30.8% 81
Individual SME Loan 60.0%-72.0% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 67.6% - 70% 72.2% - 74.7% 82
Twende Loan 60.0% annual, Decl Bal 1 Fee 1 Ins Ins None 15,000.00 upfront 6,000.00 ongoing 60.2% - 63.2% 65.3% - 82.4% 86
Dairy Loan 30.0% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 59% - 59.8% 63.5% - 64.4% 47
Institution Price Graph
Microloan Products offered in KHR0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessLoan PurposeACLEDAInstitutionKH-001-V02-P01KH-001-V02-P04ProductKHCountry2011YearRange Number2Institution Data Version02,000,0004,000,0006,000,0008,000,00010,000,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 34,00026,00017,0008,700900Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Microloan Products offered in USD0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessLoan PurposeACLEDAInstitutionKH-001-V02-P02KH-001-V02-P05ProductKHCountry2011YearRange Number2Institution Data Version05001,0001,5002,0002,500Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 10,0008,1005,4002,700300Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Microloan Products offered in THB0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessLoan PurposeACLEDAInstitutionKH-001-V02-P03KH-001-V02-P06ProductKHCountry2011YearRange Number2Institution Data Version050,000100,000150,000200,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 1,8001,30090040050Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Click to view Price Analysis Tool
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessMultipleLoan PurposeMBTInstitutionZM-012-V01-P02ZM-012-V01-P03ZM-012-V01-P05ProductZMCountry2011YearRange Number1Institution Data Version01,000,0002,000,0003,000,0004,000,0005,000,0006,000,000Loan Size (all)0%20%40%60%80%Full APR (int fee ins tax dep)> 2,7002,0001,30060070Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Click to view Price Analysis Tool
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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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