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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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.amkcambodia.com/
Year established2003
Head of InstitutionKea Borann
Regions activeBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Mondulkiri , Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo
# Branches113

Total Portfolio (nat'l)KHR 236,703,000,000
Total Portfolio (USD)USD 59,924,810.13
Active clients with loans297,613
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsCMA, SPTF
FundersAgora, Concern

Loan Products » Summary

Credit KHR
84,992 Borrowers
USD 17,797,287.24 Portfolio
Active Product
Credit THB
5,761 Borrowers
USD 1,606,561.09 Portfolio
Active Product
Emrgncy KHR
4,029 Borrowers
USD 361,651.90 Portfolio
Active Product
Emrgncy THB
107 Borrowers
USD 12,797.90 Portfolio
Active Product
EoT KHR
98,446 Borrowers
USD 18,040,572.30 Portfolio
Active Product
EoT THB
1,837 Borrowers
USD 437,073.02 Portfolio
Active Product
Individual
5,079 Borrowers
USD 2,962,841.98 Portfolio
Active Product
Inst ID
119 Borrowers
USD 111,709.86 Portfolio
Active Product
Inst VB
1,670 Borrowers
USD 320,495.59 Portfolio
Active Product
Inst ID
2,801 Borrowers
USD 2,559,297.12 Portfolio
Active Product
Inst VB
65,323 Borrowers
USD 9,910,460.58 Portfolio
Active Product
Seasonal KRH
10,468 Borrowers
USD 7,060,414.41 Portfolio
Active Product
Seasonal THB
733 Borrowers
USD 869,265.42 Portfolio
Active Product
Seasonal USD
934 Borrowers
USD 825,304 Portfolio
Active Product
Easy KHR
3,096 Borrowers
USD 462,791.11 Portfolio
Active Product
Easy USD
2,814 Borrowers
USD 446,098 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credit Line (KHR) KHR 50,000 - 1,000,000 3 - 24 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Other Training
Credit Line (THB) THB 500 - 10,000 1 - 24 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Credit Ins
Emergency Loan (KHR) KHR 10,000 - 400,000 1 - 10 80% - 100% 0% - 20% Other Women, Men, Have home or land, Specific age group Other Training
Emergency Loan (THB) THB 500 - 4,000 1 - 10 80% - 100% 0% - 20% Other Women, Men, Have home or land Credit Educ, Group Mtgs, Credit Ins
End of Term Loan (KHR) KHR 10,000 - 1,000,000 3 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land, Specific age group Credit Educ, Group Mtgs, Other Training
End of Term Loan (THB) THB 500 - 10,000 1 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Credit Ins
individual Inst ID (KHR) KHR 400,000 - 8,000,000 3 - 18 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land, Specific age group Credit Educ, Other Training
Inst ID (THB) THB 5,000 - 80,000 3 - 18 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land Credit Educ
Inst VB (THB) THB 500 - 10,000 3 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Credit Ins
Inst-ID USD USD 500 - 2,000 3 - 18 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land, Specific age group Credit Educ, Other Training
Inst-VB (KHR) KHR 10,000 - 1,000,000 3 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land, Specific age group Credit Educ, Group Mtgs, Other Training
Seasonal Loan (KHR) KHR 500,000 - 6,000,000 3 - 12 80% - 100% 0% - 20% Any Purpose, For seasonal purpose only Women, Men, Have business, Have home or land, Must have regular income for eligible monthly interest payment Credit Educ, Group Mtgs
Seasonal Loan (THB) THB 5,000 - 60,000 3 - 12 80% - 100% 0% - 20% Any Purpose, Seasonal purpose only Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Credit Ins
Seasonal Loan (USD) USD 100 - 1,500 3 - 12 80% - 100% 0% - 20% Any Purpose, Seasonal loan requirement only Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Credit Ins
Easy Loan (KHR) KHR 10,000 - 1,000,000 1 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Salaried worker, Specific age group Credit Educ, Other Training
Easy Loan (USD) USD 50 - 250 3 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Specific age group Credit Educ, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credit Line (KHR) 36.0% annual, Decl Bal 1 Fee 0 Ins None N/A 34.1% - 36.6% 34.1% - 36.6% 100
Credit Line (THB) 33.6% annual, Decl Bal 1 Fee 0 Ins None N/A 34% - 34.2% 34% - 34.2% 98
Emergency Loan (KHR) 30.0% annual, Decl Bal 0 Fees 0 Ins None N/A 30% - 30.2% 30% - 30.2% 99
Emergency Loan (THB) 30.0% annual, Decl Bal 0 Fees 0 Ins None N/A 29.9% - 30.1% 29.9% - 30.1% 100
End of Term Loan (KHR) 36.0% annual, Decl Bal 1 Fee 0 Ins None N/A 36.5% - 37% 36.5% - 37% 98
End of Term Loan (THB) 33.6% annual, Decl Bal 1 Fee 0 Ins None N/A 33.6% - 34.2% 33.6% - 34.2% 98
individual Inst ID (KHR) 27.6%-36.0% annual, Decl Bal 1 Fee 0 Ins None N/A 31.9% - 37.1% 31.9% - 37.1% 81
Inst ID (THB) 27.6%-33.6% annual, Decl Bal 1 Fee 0 Ins None N/A 30.6% - 34.5% 30.6% - 34.5% 85
Inst VB (THB) 31.2% annual, Decl Bal 1 Fee 0 Ins None N/A 32.2% - 32.3% 32.2% - 32.3% 97
Inst-ID USD 26.4%-31.2% annual, Decl Bal 1 Fee 0 Ins None N/A 29.3% - 30.3% 29.3% - 30.3% 88
Inst-VB (KHR) 33.6% annual, Decl Bal 1 Fee 0 Ins None N/A 34.7% - 34.9% 34.7% - 34.9% 96
Seasonal Loan (KHR) 31.2%-36.0% annual, Decl Bal 1 Fee 0 Ins None N/A 33% - 37.5% 33% - 37.5% 88
Seasonal Loan (THB) 31.2%-36.0% annual, Decl Bal 1 Fee 0 Ins None N/A 30.6% - 34.2% 30.6% - 34.2% 95
Seasonal Loan (USD) 28.8%-32.4% annual, Decl Bal 1 Fee 0 Ins None N/A 30.6% - 33.5% 30.6% - 33.5% 90
Easy Loan (KHR) 30.0%-36.0% annual, Decl Bal 1 Fee 0 Ins None N/A 31.1% - 37.2% 31.1% - 37.2% 88
Easy Loan (USD) 27.6%-33.6% annual, Decl Bal 1 Fee 0 Ins None N/A 28.2% - 35.8% 28.2% - 35.8% 84
Institution Price Graph
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  2. ASA Initiative
Please note that the information you are viewing is 141 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

ASA Initiative FNGO Head OfficeCape Coast, CentralP.O. Box 396
Data approved: 2013-02-20
Data version: 2
Age of data: 141 months
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Product

Six Months Individual Loan Product 2 of 4 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 360,271.35
Portfolio (USD)USD 182,878.86
Active Clients with Loans698
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Individual loan designed for micro-entrepreneurs whose businesses generate daily to monthly cashflows. Simple assets provided as collateral.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household financex
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visitsx
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveCentral Region

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 600
Maximum loan size10,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,00020%
GHS 1,000-5,00050%
GHS 5,000-7,50020%
GHS 7,500-10,00010%
GHS 10,000-13,0000
Greater than GHS 13,0000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term6.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months100%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
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 interest44.00%
Highest quoted nominal interest44.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionLoan Processing FeeApplication Form Fee
% of loan amount - min3.00%0
% of loan amount - max3.00%0
OR, Fixed amount - min02
Fixed amount - max02
Reason for variationN/AN/A
Appears on Repayment Sched?YesNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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
The one fee not appearing on the loan documentation - application form fee - is communicated to clients through a training module before they make their credit decision.

Full Pricing Data

Six Months Individual Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountGHS 800GHS 1,500GHS 2,000GHS 5,000GHS 8,000
Loan Cycle (1, 2, 3, etc)24382
Disbursement Date2012-12-102012-10-312012-12-172012-11-132012-11-28
Loan Term (Months)6.0 months6.0 months6.0 months6.0 months6.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditGHS 210GHS 392GHS 522GHS 1,302GHS 2,082
True Price by Comp         
Interest price component70.9%70.9%70.9%70.9%70.9%
Fee Component12.2%11.7%11.6%11.4%11.3%
Insurance Component3.8%3.8%3.8%3.8%3.8%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)86.9%86.4%86.3%86.1%86.0%
Transparency Index5151515151
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Six Months Individual Loan Price Graphs


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Key Statistics
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# 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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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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