Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.amkcambodia.com/ |
Year established | 2003 |
Head of Institution | Kea Borann |
Regions active | Banteay 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 |
# Branches | 113 |
Total Portfolio (nat'l) | KHR 236,703,000,000 |
Total Portfolio (USD) | USD 59,924,810.13 |
Active clients with loans | 297,613 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 0% - 20% |
Network affiliations | CMA, SPTF |
Funders | Agora, Concern |
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 |
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 |
Outstanding portfolio (INR) | INR 24,818,991 |
Portfolio (USD) | USD 468,282.85 |
Active Clients with Loans | 6,040 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | Can ONLY be used for Working Capital |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | x |
Workplace visits | x |
Business training | x |
Other training | |
Other | |
Other (2) | |
No other services |
Men | |
Women | x |
Must run a business | x |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Household income <60,000 INR | |
Household income <120,000 INR | |
Must live in rural area | |
Must lives in urban area | |
Other | |
Other (2) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Currency | INR |
Minimum loan size | INR 1,000 |
Maximum loan size | 25,000 |
Shortest loan term | 12.0 months |
Longest loan term | 12.0 months |
Approx average | 12.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 100% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 100% |
Average grace period | 1.8 months |
Daily | |
Weekly | x |
Every 2 weeks | |
Every 4 weeks | |
Monthly | |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 12.50% |
Highest quoted nominal interest | 12.50% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Ins 1 | |
---|---|
Description | Processing fee and Insurance fee |
% of loan amount - min | 2.00% |
% of loan amount - max | 2.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | |
Do borrowers control deposit in their group? |
% loan amount deposited | 10.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | End Term |
Minimum interest rate paid | 0 |
Maximum interest rate paid | 0 |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | ||||||
---|---|---|---|---|---|---|---|---|---|---|---|
Loan Amount | INR 1,000 | INR 3,000 | INR 5,000 | INR 8,000 | INR 10,000 | INR 10,000 | |||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | 2 | 1 | 3 | 5 | |||||
Disbursement Date | 2010-07-26 | 2010-05-10 | 2010-03-23 | 2010-06-11 | 2010-08-03 | 2010-05-20 | |||||
Loan Term (Months) | 10.5 months | 10.5 months | 10.5 months | 10.5 months | 10.5 months | 10.5 months | |||||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 2.0 months | 0.0 months | 2.0 months | |||||
Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
True Price by Comp | |||||||||||
Interest and Fee Component | 29.7% | 29.7% | 29.7% | 28.2% | 29.7% | 27.8% | |||||
Insurance Component | 2.4% | 2.4% | 2.4% | 2.3% | 2.4% | 2.3% | |||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Deposit Component | 7.1% | 7.1% | 7.1% | 6.7% | 7.1% | 6.5% | |||||
Full APR (int fee ins tax dep) | 39.2% | 39.2% | 39.2% | 37.2% | 39.2% | 36.6% | |||||
MFIN MFI Earning (Annualised) | 29.7% | 29.7% | 29.7% | 28.2% | 29.7% | 27.8% | |||||
MFIN Cost to Borrower (Annualised) | 39.2% | 39.2% | 39.2% | 37.2% | 39.2% | 36.6% | |||||
Transparency Index | 32 | 32 | 32 | 34 | 32 | 34 | |||||
MFIN Transparency Index | N/A | N/A | N/A | N/A | 42 | N/A | |||||
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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