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 (KES) | KES 86,912,145 |
Portfolio (USD) | USD 1,049,663.59 |
Active Clients with Loans | 3,642 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
Individual | x |
Solidarity group | x |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | |
Mortgage/housing | |
Consumer loan | x |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | |
Workplace visits | x |
Business training | x |
Other training | x |
Other | Leadership |
Other (2) | Women empowerment |
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 | |
Other | |
Other (2) |
# Regions for this institution | 8 |
# Regions for this product | 8 |
Regions Active | Central, Coast, Eastern, Nairobi, North Eastern, Nyanza, Rift Valley, Western |
Currency | KES |
Minimum loan size | KES 10,000 |
Maximum loan size | 200,000 |
Loans less than KES 50,000 | 30% |
KES 50,000-150,000 | 50% |
KES 150,000-250,000 | 20% |
KES 250,000-350,000 | 0 |
KES 350,000-450,000 | 0 |
Greater than KES 450,000 | 0 |
Shortest loan term | 6.0 months |
Longest loan term | 18.0 months |
Approx average | 12.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 15% |
Between 7 and 9 months | 20% |
Between 10 and 12 months | 50% |
Between 13 and 18 months | 15% |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 1.50% |
Highest quoted nominal interest | 1.83% |
Reason(s) why interest rate varies | Loan Size |
Interest rate period | Monthly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | Fee 2 | ||
---|---|---|---|
Description | Loan Processing Fee | Chattels Fee | |
% of loan amount - min | 1.00% | 0 | |
% of loan amount - max | 1.50% | 0 | |
OR, Fixed amount - min | 0 | 0 | |
Fixed amount - max | 0 | 1,500 | |
Reason for variation | Loans below 100,000 KES = 1.5% with 250 KES minimum. Loans 100,000 KES and above = 1% | Charged only on loans KES 100,000 and above. | |
Appears on Repayment Sched? | No | No |
Ins 1 | |
---|---|
Description | Risk Management Fee |
% of loan amount - min | 1.25% |
% of loan amount - max | 1.25% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
Required for | All |
Criteria | Individual loans = 10% upfront & 1% ongoing. Group Loans < KES 100,000 = 10% upfront & > KES 100,000 = 20% upfront. Loans > KES 45,000 = KES 400 ongoing, < KES 45,000 loans = KES 50 ongoing. |
Is deposit indicated on the repayment schedule? | No |
Do borrowers control deposit in their group? | No |
% loan amount deposited | 10.00% - 20.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 - 1.00% |
or, Fixed-amount deposited | KES 50 - 0 |
Conditions on access to deposit | When Leaving |
Minimum interest rate paid | 2.00% |
Maximum interest rate paid | 6.00% |
Interest payment frequency | End Term |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
---|---|---|---|---|---|---|---|
Loan Amount | KES 20,000 | KES 20,000 | KES 51,925 | KES 95,000 | |||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
Disbursement Date | 2013-05-07 | 2013-05-09 | 2013-06-20 | 2013-06-19 | |||
Loan Term (Months) | 12.0 months | 12.0 months | 12.0 months | 12.0 months | |||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | |||
Total Cost of Credit | KES 4,950.04 | KES 4,950.04 | KES 12,851.46 | KES 23,512.54 | |||
True Price by Comp | |||||||
Interest price component | 37.6% | 37.6% | 37.8% | 37.8% | |||
Fee Component | 3.0% | 3.0% | 2.9% | 2.9% | |||
Insurance Component | 2.5% | 2.5% | 2.5% | 2.5% | |||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Deposit Component | 9.6% | 9.6% | 12.5% | 10.6% | |||
Full APR (int fee ins tax dep) | 52.7% | 52.7% | 55.7% | 53.8% | |||
Transparency Index | 34 | 34 | 32 | 33 | |||
Original Repayment Schedule | |||||||
MFT Pricing Calculation |
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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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