2. AMRET
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

Amret Microfinance Institution # 35BA, St.169, Sangkat Veal VongKhan 7 MakaraPhnom Penh, Cambodia855
Data approved: 2013-05-21
Data version: 3
Age of data: 139 months
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Product

Business Loan (USD) Product 3 of 8 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (USD)USD 66,527,509
Portfolio (USD)USD 66,527,509
Active Clients with Loans37,836
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
A business loan is for individuals setting up a new business or expanding an existing enterprise. It is an ideal way for small and medium scale entrepreneurs to gain access to the capital they need.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
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 institution18
# Regions for this product18
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Phnom Penh, Sihanoukville, Pursat, Prey VengSiem Reap, Svay Rieng, Takéo

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 100
Maximum loan size10,000
Distribution at Disbursement (Est.)
Loans less than USD 2500
USD 250-1,00010%
USD 1,000-1,50015%
USD 1,500-2,00030%
USD 2,000-2,50020%
Greater than USD 2,50020%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx averageDK
Distribution at Disbursement (Est.)
Loans 3 months or less5%
Between 4 and 6 months5%
Between 7 and 9 months10%
Between 10 and 12 months10%
Between 13 and 18 months20%
Longer than 18 months50%
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 interest1.60%
Highest quoted nominal interest3.10%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
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
Grace period depends on cash flow of the client.

Full Pricing Data

Business Loan (USD) samples
Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 3,000USD 650USD 1,100USD 1,700USD 2,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-052013-01-022013-01-162013-04-222013-02-28
Loan Term (Months)25.0 months19.0 months24.0 months18.0 months19.0 months
Grace Period (Months)5.3 months6.4 months0.1 months0.0 months0.4 months
Total Cost of CreditUSD 911.07USD 232.72USD 369.91USD 357.83USD 375.33
True Price by Comp         
Interest price component23.8%33.1%32.0%26.1%22.6%
Fee Component0.0%0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%0.0%
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)23.8%33.1%32.0%26.1%22.6%
Transparency Index8158607485
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Business Loan (USD) Price Graphs


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  2. Goshen
Please note that the information you are viewing is 160 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Goshen Finance S.A NyarugengeKigaliPO Box 4787
Data approved: 2011-09-16
Data version: 1
Age of data: 160 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established2006
Head of InstitutionMunyankumburwa Samuel
Regions activeBugesera, Burera, Gasabo, Gatsibo, Gicumbi, KamonyiKayonza, Kicukiro, Muhanga, Musanze, Nyagatare, Nyanza, Nyarugenge
# Branches4

Total Portfolio (nat'l)RWF 2,378,245,166
Total Portfolio (USD)USD 3,716,008.07
Active clients with loans2,076
Approximate % female clients20% - 40%
Approximate % urban clients20% - 40%
Network affiliationsAMIR
FundersBanqu Nationale Du Rwanda, Banque Rwandaise De Development

Loan Products » Summary

Agri-Elevage
444 Borrowers
USD 658,224.40 Portfolio
Active Product
Autres
1,127 Borrowers
USD 1,022,369.35 Portfolio
Active Product
Commerce
331 Borrowers
USD 1,215,800.97 Portfolio
Active Product
Construction
119 Borrowers
USD 623,003.02 Portfolio
Active Product
Transport
55 Borrowers
USD 196,610.34 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agri-Elevage Loan RWF 1,000,000 - 15,000,000 6 - 36 0% - 20% 0% - 20% Business Women, Men Credit Ins, Tech Asst Visits, Business Training
Autres Credits RWF 100,000 - 10,000,000 1 - 24 0% - 20% 40% - 60% Consumer, Education, Other Women, Men Business Training, Other Training
Commerce Loan RWF 500,000 - 30,000,000 6 - 36 20% - 40% 80% - 100% Business Women, Men, Have business Credit Educ, Credit Ins, Business Training
Construction Loan RWF 500,000 - 30,000,000 12 - 60 20% - 40% 60% - 80% Business, Housing, Consumer Women, Men, Have business Credit Educ, Credit Ins, Business Training
Equipement pour le Transport Loan RWF 1,000,000 - 10,000,000 12 - 36 0% - 20% 60% - 80% Business, Consumer Women, Men, Have business Credit Ins, Business Training, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agri-Elevage Loan 16.00% annual, Decl Bal 1 Fee 1 Ins None N/A 14.1% - 56% 14.7% - 57.3% 58
Autres Credits 16.00% annual, Decl Bal 1 Fee 1 Ins None N/A 15.4% - 72% 16.1% - 72% 45
Commerce Loan 16.00% annual, Decl Bal 1 Fee 1 Ins None N/A 15.1% - 20% 18.7% - 49.9% 61
Construction Loan 16.00% annual, Decl Bal 1 Fee 1 Ins None N/A 16.9% - 18.1% 16.9% - 19% 88
Equipement pour le Transport Loan 16.00% annual, Decl Bal 1 Fee 1 Ins None N/A 17.5% - 18.8% 18.6% - 19.4% 83
Institution Price Graph
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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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