2. AMK
Please note that the information you are viewing is 139 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: 139 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. Wisigara
Please note that the information you are viewing is 143 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Union des CLECAM Wisigara RubavuGisenyi, Western RwandaPO Box 588
Data approved: 2012-11-07
Data version: 2
Age of data: 143 months
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Product

Agriculture Loan Product 1 of 3 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (RWF)RWF 338,744,076
Portfolio (USD)USD 529,287.62
Active Clients with Loans1,039
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
A product focusing on farmers to increase the yield of the crops and technology, agrichain, processing, etc.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visits
Business trainingx
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
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 institution6
# Regions for this product7
Regions ActiveBurera, Gakenke, Musanze, Ngororero, Nyabihu, Rubavu, Rutsiro

Loan Conditions

Loan Amount
CurrencyRWF
Minimum loan sizeRWF 20,000
Maximum loan size1,000,000
Distribution at Disbursement (Est.)
Loans less than RWF 500,00050%
RWF 500,000-1,500,00050%
RWF 1,500,000-2,500,0000
RWF 2,500,000-3,500,0000
RWF 3,500,000-4,500,0000
Greater than RWF 4,500,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months20%
Between 7 and 9 months20%
Between 10 and 12 months40%
Between 13 and 18 months20%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest2.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionCommissionPaper Fee
% of loan amount - min2.00%0
% of loan amount - max2.00%0
OR, Fixed amount - min01,500
Fixed amount - max01,500
Reason for variationN/AN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance
% of loan amount - min0.08%
% of loan amount - max4.28%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationDepends on client age & loan term
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid6.00%
Maximum interest rate paid6.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

Full Pricing Data

Agriculture Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountRWF 100,000RWF 250,000RWF 500,000RWF 1,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2012-03-052012-10-192012-08-222012-08-06
Loan Term (Months)12.0 months12.0 months12.0 months24.0 months
Grace Period (Months)3.1 months3.1 months3.1 months3.1 months
Total Cost of CreditRWF 18,725RWF 44,562.50RWF 87,625RWF 228,500
True Price by Comp       
Interest price component23.2%23.3%23.3%17.6%
Fee Component6.1%4.5%3.9%2.1%
Insurance Component0.3%0.4%0.4%0.5%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component12.8%12.2%11.9%9.7%
Full APR (int fee ins tax dep)42.4%40.4%39.5%29.9%
Transparency Index57596180
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Agriculture Loan Price Graphs


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% Products with one or more insurances
% Products with compulsory deposits
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