2. AMK
Please note that the information you are viewing is 140 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Angkor Microheranhvatho Kampuchea # 442, St. 193, Toul Svayprey 1ChamkarmornPhnom Penh, CambodiaPO Box 855
Data approved: 2013-04-26
Data version: 4
Age of data: 140 months
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Product

Credit Line (KHR) Product 1 of 16 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 70,299,284,600
Portfolio (USD)USD 17,797,287.24
Active Clients with Loans84,992
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity group
Village bankingx
Self help group
Other
Description
Credit Line (KHR) product has fee charged from clients at the moment of the loan disbursement.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visits
Business training
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution24
# Regions for this product23
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Mondulkiri , Oddar Meancheay, Pailin, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 50,000
Maximum loan size1,000,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,000100%
KHR 1,000,000-3,500,0000
KHR 3,500,000-6,000,0000
KHR 6,000,000-8,000,0000
KHR 8,000,000-10,000,0000
Greater than KHR 10,000,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months30%
Between 13 and 18 months10%
Longer than 18 months60%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest3.00%
Highest quoted nominal interest3.00%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionAdministration Fee
% of loan amount - min0.50%
% of loan amount - max0.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
This product for existing AMK clients who has borrowed 2 cycles and VB member only.

Full Pricing Data

Credit Line (KHR) samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountKHR 200,000KHR 300,000KHR 500,000KHR 600,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-04-122013-03-092013-03-132013-04-12
Loan Term (Months)24.0 months12.0 months12.0 months12.0 months
Grace Period (Months)23.1 months11.0 months10.9 months11.0 months
Total Cost of CreditKHR 145,800KHR 103,200KHR 181,000KHR 219,000
True Price by Comp       
Interest price component36.0%33.5%36.0%36.0%
Fee Component0.3%0.6%0.6%0.6%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)36.3%34.1%36.6%36.6%
Transparency Index991009898
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Credit Line (KHR) Price Graphs


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  2. Lower Pra RB
Please note that the information you are viewing is 159 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Lower Pra Rural Bank Limited ShamaWestern RegionPO Box SH 18
Data approved: 2011-12-07
Data version: 1
Age of data: 159 months

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addresshttp://www.lowerpraruralbank.com/
Year established1983
Head of InstitutionIsaac Kwamina Afful
Regions active
# Branches14

Total Portfolio (nat'l)GHS 12,443,472
Total Portfolio (USD)USD 6,316,483.25
Active clients with loans34,056
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsGHAMFIN, ARB APEX
Funders

Loan Products » Summary

Micro Loan
13,529 Borrowers
USD 2,093,440.10 Portfolio
Active Product
Salary Loan
17,746 Borrowers
USD 3,895,317.77 Portfolio
Active Product
Susu Loan
2,781 Borrowers
USD 327,725.89 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Micro Loan GHS 1,000 - 30,000 1 - 12 20% - 40% 20% - 40% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Salary Loan GHS 500 - 11,000 1 - 60 40% - 60% 80% - 100% Business Women, Men Credit Ins
Susu Loan GHS 200 - 3,500 1 - 12 40% - 60% 80% - 100% Business Women, Men, Have business Credit Ins, Tech Asst Visits, Market trends

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Loan 30.00% annual, Flat 2 Fees 0 Ins None 25.00%- upfront 66.3% - 87.9% 104.2% - 146.4% 24
Salary Loan 28.00% annual, Flat 2 Fees 0 Ins None N/A 47.4% - 63% 47.4% - 63% 48
Susu Loan 30.00% annual, Flat 2 Fees 0 Ins None 25.00%- upfront 69.6% - 91.6% 115.7% - 154.1% 22
Institution Price Graph
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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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