Angkor Microheranhvatho Kampuchea - MFTransparency.org Truth In Lending Tables

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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: 139 months

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Institution

Ujjivan Financial Services Private Limited #93, Jakkasandra ExtensionSarjapur Main Cross Road, Koramangala 1st BlockBangalore, KarnatakaPO Box 56003

Data approved: 2012-12-18

Data version: 2

Age of data: 139 months

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Institution Details

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

Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://www.ujjivan.com/
Year established	2005
Head of Institution	Samit Ghosh
Regions active	Assam, Bihar, Goa, Gujarat, HaryanaJharkhand, Karnataka, Kerala, Maharashtra, Meghalaya, OrissaPunjab, Rajasthan, Tamil Nadu, Uttar Pradesh, Uttarakhand, West Bengal, Chandigarh, National Capital Territory of Delhi, Puducherry
# Branches	298

Total Portfolio (nat'l)	INR 8,831,317,978
Total Portfolio (USD)	USD 166,628,641.10
Active clients with loans	918,610
Approximate % female clients	80% - 100%
Approximate % urban clients	80% - 100%
Network affiliations	Association of Karnataka Microfinance Inst (AKMI), Sa-Dhan, MFIN, Women's World Banking

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 » Summary

Business

688,874 Borrowers

USD 119,564,143.30 Portfolio

Active Product

Education

5,676 Borrowers

USD 417,294.23 Portfolio

Active Product

Emergency

112 Borrowers

USD 1,935.47 Portfolio

Active Product

Family

212,667 Borrowers

USD 38,401,142.19 Portfolio

Active Product

Livestock

5,991 Borrowers

USD 2,464,108.25 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 » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Business Loan	INR 6,000 - 50,000	12 - 24	80% - 100%	80% - 100%	Business	Women, Have business, Med HH Inc, Can be used for spouses/son's business	Credit Educ, Group Mtgs, Credit Ins, Financial Literacy Training, Life Insurance
Education Loan	INR 5,000 - 15,000	12	80% - 100%	80% - 100%	Education	Women, Med HH Inc	Credit Educ, Group Mtgs, Credit Ins, Financial literacy training, Scholarships by Parinaam Foundation for deserving students.
Emergency Loan	INR 2,000 - 2,000	6	80% - 100%	80% - 100%	Other, Emergency use only	Women, Med HH Inc	Group Mtgs
Family Loan	INR 6,000 - 35,000	12 - 24	80% - 100%	80% - 100%	Housing, Consumer, Education, Other	Women, Med HH Inc	Credit Educ, Group Mtgs, Credit Ins, Financial Literacy training, Life Insurance
Livestock Loan	INR 15,000 - 35,000	24	80% - 100%	0% - 20%	Business	Women, Med HH Inc	Credit Educ, Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Credit Line (KHR)	36.0% annual, Decl Bal	1 Fee	None	N/A	34.1% - 36.6%	34.1% - 36.6%	100
Credit Line (THB)	33.6% annual, Decl Bal	1 Fee	None	N/A	34% - 34.2%	34% - 34.2%	98
Emergency Loan (KHR)	30.0% annual, Decl Bal	0 Fees	None	N/A	30% - 30.2%	30% - 30.2%	99
Emergency Loan (THB)	30.0% annual, Decl Bal	0 Fees	None	N/A	29.9% - 30.1%	29.9% - 30.1%	100
End of Term Loan (KHR)	36.0% annual, Decl Bal	1 Fee	None	N/A	36.5% - 37%	36.5% - 37%	98
End of Term Loan (THB)	33.6% annual, Decl Bal	1 Fee	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	None	N/A	31.9% - 37.1%	31.9% - 37.1%	81
Inst ID (THB)	27.6%-33.6% annual, Decl Bal	1 Fee	None	N/A	30.6% - 34.5%	30.6% - 34.5%	85
Inst VB (THB)	31.2% annual, Decl Bal	1 Fee	None	N/A	32.2% - 32.3%	32.2% - 32.3%	97
Inst-ID USD	26.4%-31.2% annual, Decl Bal	1 Fee	None	N/A	29.3% - 30.3%	29.3% - 30.3%	88
Inst-VB (KHR)	33.6% annual, Decl Bal	1 Fee	None	N/A	34.7% - 34.9%	34.7% - 34.9%	96
Seasonal Loan (KHR)	31.2%-36.0% annual, Decl Bal	1 Fee	None	N/A	33% - 37.5%	33% - 37.5%	88
Seasonal Loan (THB)	31.2%-36.0% annual, Decl Bal	1 Fee	None	N/A	30.6% - 34.2%	30.6% - 34.2%	95
Seasonal Loan (USD)	28.8%-32.4% annual, Decl Bal	1 Fee	None	N/A	30.6% - 33.5%	30.6% - 33.5%	90
Easy Loan (KHR)	30.0%-36.0% annual, Decl Bal	1 Fee	None	N/A	31.1% - 37.2%	31.1% - 37.2%	88
Easy Loan (USD)	27.6%-33.6% annual, Decl Bal	1 Fee	None	N/A	28.2% - 35.8%	28.2% - 35.8%	84

Loan Products » MFIN India Additional Information

Product Name	APR (int)	MFIN MFI Earning (Annualised)	MFIN Cost to Borrower (Annualised)	COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD	COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES	COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM	MFIN Transparency Index
Business Loan	23.7%	25.1% - 25.5%	26.7% - 28.2%	Yes	Yes	Yes	100
Education Loan	23.3% - 23.8%	25% - 25.7%	26.3% - 28.3%	Yes	Yes	Yes	100
Emergency Loan	23.3% - 24.4%	23.3% - 24.4%	23.3% - 24.4%	Yes	Yes	Yes	100
Family Loan	23.7% - 24.8%	25.1% - 26.7%	26.7% - 29.3%	Yes	Yes	Yes	100
Livestock Loan	25% - 26.9%	26% - 27.9%	32.4% - 34.9%	Yes	Yes	Yes	93

*Please click here for more information

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Business Loan	24.0%-25.0% annual, Decl Bal	1 Fee	1 Ins	12.36% fees	N/A	25.1% - 25.5%	26.7% - 28.2%	87
Education Loan	24.0%-25.0% annual, Decl Bal	1 Fee	1 Ins	12.36% fees	N/A	25% - 25.7%	26.3% - 28.3%	87
Emergency Loan	24.0%-25.0% annual, Decl Bal	0 Fees	0 Ins	None	N/A	23.3% - 24.4%	23.3% - 24.4%	100
Family Loan	24.0%-25.0% annual, Decl Bal	1 Fee	1 Ins	12.36% fees	N/A	25.1% - 26.7%	26.7% - 29.3%	86
Livestock Loan	24.0% annual, Decl Bal	1 Fee	2 Ins	12.36% fees	N/A	26% - 27.9%	32.4% - 34.9%	72

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 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 Ins	None	N/A	34% - 34.2%	34% - 34.2%	98
Emergency Loan (KHR)	30.0% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	30% - 30.2%	30% - 30.2%	99
Emergency Loan (THB)	30.0% annual, Decl Bal	0 Fees	0 Ins 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 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 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 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 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 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 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 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 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 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 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 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 Ins	None	N/A	28.2% - 35.8%	28.2% - 35.8%	84

Loan Products » MFIN India Additional Information

Product Name	APR (int)	MFIN MFI Earning (Annualised)	MFIN Cost to Borrower (Annualised)	COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD	COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES	COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM	MFIN Transparency Index
Business Loan	23.7%	25.1% - 25.5%	26.7% - 28.2%	Yes	Yes	Yes	100
Education Loan	23.3% - 23.8%	25% - 25.7%	26.3% - 28.3%	Yes	Yes	Yes	100
Emergency Loan	23.3% - 24.4%	23.3% - 24.4%	23.3% - 24.4%	Yes	Yes	Yes	100
Family Loan	23.7% - 24.8%	25.1% - 26.7%	26.7% - 29.3%	Yes	Yes	Yes	100
Livestock Loan	25% - 26.9%	26% - 27.9%	32.4% - 34.9%	Yes	Yes	Yes	93

*Please click here for more information

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Business Loan	24.0%-25.0% annual, Decl Bal	1 Fee	1 Ins Ins	12.36% fees	N/A	25.1% - 25.5%	26.7% - 28.2%	87
Education Loan	24.0%-25.0% annual, Decl Bal	1 Fee	1 Ins Ins	12.36% fees	N/A	25% - 25.7%	26.3% - 28.3%	87
Emergency Loan	24.0%-25.0% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	23.3% - 24.4%	23.3% - 24.4%	100
Family Loan	24.0%-25.0% annual, Decl Bal	1 Fee	1 Ins Ins	12.36% fees	N/A	25.1% - 26.7%	26.7% - 29.3%	86
Livestock Loan	24.0% annual, Decl Bal	1 Fee	2 Ins Ins	12.36% fees	N/A	26% - 27.9%	32.4% - 34.9%	72

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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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N (# of Samples)
Total Borrrowers of Samples


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By Country

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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » Pricing Information

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » MFIN India Additional Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

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