2. Chamroeun
Please note that the information you are viewing is 119 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Chamroeun Microfinance Limited # 425, St.271, Sangkat Toul Tumpong IIKhan ChamkarmonPhnom penh, Cambodia
Data approved: 2015-01-06
Data version: 4
Age of data: 119 months
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.chamroeun.com/
Year established2006
Head of InstitutionSophea Suon
Regions activeBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, KepKratié, Phnom Penh, Pursat, Prey VengSiem Reap, Takéo
# Branches40

Total Portfolio (nat'l)KHR 29,549,677,100
Total Portfolio (USD)USD 7,480,930.91
Active clients with loans48,192
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsCMA, BWTP, Mix Market, SPTF
FundersEntrepreneurs du Monde, Microfinance Solidaire, Grameen Credit Agrole Microfinance Foundation, Chamroeun Staff Association

Loan Products » Summary

CL
24,027 Borrowers
USD 3,284,447.37 Portfolio
Active Product
DL
12,376 Borrowers
USD 3,135,506.05 Portfolio
Active Product
EL
11,779 Borrowers
USD 1,060,445.85 Portfolio
Active Product
SEL
10 Borrowers
USD 531.65 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Chamroeun Loan KHR 100,000 - 1,600,000 3 - 12 80% - 100% 20% - 40% Business, Agriculture Women, Men, Have business, Have home or land Credit Educ, Tech Asst Visits, Business Training, Other Training, Social training ( health, nutrition, domestic violence, waste management)
Developing Loan KHR 100,000 - 1,000,000 3 - 12 80% - 100% 20% - 40% Business, Agriculture Women, Men, Have business Credit Educ, Tech Asst Visits, Business Training, Other Training, Social training ( health, nutrition, domestic violence, waste management)
Entrepreneurs Loan KHR 1,200,000 - 4,000,000 3 - 18 80% - 100% 20% - 40% Business, Agriculture Women, Men, Have business, Have home or land Tech Asst Visits, Business Training, Other Training, Social training ( health, nutrition, domestic violence, waste management)

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Chamroeun Loan 42.0% annual, Decl Bal 1 Fee 0 Ins None N/A 45.6% - 52.4% 45.6% - 52.4% 88
Developing Loan 39.0% annual, Decl Bal 1 Fee 0 Ins None N/A 42.7% - 53.8% 42.7% - 53.8% 86
Entrepreneurs Loan 39.0% annual, Decl Bal 1 Fee 0 Ins None N/A 41.5% - 43.8% 41.5% - 43.8% 92
Institution Price Graph
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  2. COAC SanAntonio
Please note that the information you are viewing is 170 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Cooperativa de Ahorra y Credito San Antonio Ltda San Antonio de Ibarra, Hermanos Mideros 6-33 y 27 de NoviembreIbarra, Imbabadura
Data approved: 2010-11-08
Data version: 1
Age of data: 170 months

Product

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Product Details

Key Statistics
Outstanding portfolio (USD)USD 1,726,538
Portfolio (USD)USD 1,726,538
Active Clients with Loans812
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Este tipe de credito se define de acuerdo a la fuente de pago de los socios que generalmente proviene de microempresas o negocios informales esta destinado a financiar actividades productivas.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 100
Maximum loan size10,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term48.0 months
Approx average30.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Dailyx
Weeklyx
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest15.00%
Highest quoted nominal interest26.00%
Reason(s) why interest rate variesBranch, Loan Size, Fuente de Fondos
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
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
Ins 1
DescriptionSeguro Desgravaman
% of loan amount - min5.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
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?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedUSD 5
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid2.00%
Maximum interest rate paid3.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No
Additional Comments
Interés sobre ahorros: trimestral

Full Pricing Data

Microcredito samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountUSD 400USD 1,000USD 2,000USD 4,000USD 8,600
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-06-142010-06-142010-06-142010-06-142010-06-14
Loan Term (Months)6.0 months12.0 months24.0 months36.0 months48.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component19.3%19.3%19.3%19.3%19.3%
Insurance Component0.2%0.1%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component4.3%4.4%4.1%3.9%3.6%
Full APR (int fee ins tax dep)23.7%23.7%23.4%23.2%22.8%
Transparency Index6363646566
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Microcredito Price Graphs


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Key Statistics
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# Products
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# 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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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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