2. HKL
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
  2. Amanecer
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

Hattha Kaksekar Limited No 606, st 271,Sangkat Phsar Deum Thkouv, Khan ChamkamornPhnom Penh, CambodiaPO Box 855
Data approved: 2013-03-20
Data version: 3
Age of data: 143 months
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Institution

FUNDACIÓN AMANECER Calle 24 No. 20 A 27Yopal, Casanare
Data approved: 2011-09-15
Data version: 1
Age of data: 170 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.hkl.com.kh/
Year established1994
Head of InstitutionHout Ieng Tong
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
# Branches123

Total Portfolio (nat'l)KHR 431,386,000,000
Total Portfolio (USD)USD 109,211,645.60
Active clients with loans74,429
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsCambodia Microfinance Association (CMA)
FundersSIDI and Dr. Dy Davuth, Norfund, Triple Jump, Oiko Credit

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established1994
Head of InstitutionCesar Ivan Velosa Poveda
Regions active
# Branches6

Total Portfolio (nat'l)COP 15,034,582,670
Total Portfolio (USD)USD 8,260,759.71
Active clients with loans3,993
Approximate % female clients40% - 60%
Approximate % urban clients60% - 80%
Network affiliationsEmprender, Asomicrofinanzas
Funders

Loan Products » Summary

Medium
13,784 Borrowers
USD 45,241,769.30 Portfolio
Active Product
Micro
32,872 Borrowers
USD 14,489,013.87 Portfolio
Active Product
Small
26,825 Borrowers
USD 34,112,203.10 Portfolio
Active Product
Large Loans
Retired Product

Loan Products » Summary

Empresarial
2,664 Borrowers
USD 5,039,809.85 Portfolio
Active Product
Microvivien
583 Borrowers
USD 1,468,426 Portfolio
Active Product
Producti.
304 Borrowers
USD 294,588.47 Portfolio
Active Product
Germina
830 Borrowers
USD 1,450,819.67 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Medium Loans USD 2,501 - 10,000 3 - 36 60% - 80% 60% - 80% Business, Housing, Consumer Women, Men, Have business, Have home or land, Salaried worker, Specific age group
Micro Loans USD 50 - 1,000 3 - 15 80% - 100% 0% - 20% Business, Housing, Consumer Women, Men, Have business, Have home or land, Salaried worker, Specific age group
Small Loans USD 1,001 - 2,500 3 - 24 60% - 80% 0% - 20% Business, Housing, Consumer Women, Men, Have business, Have home or land, Salaried worker, Specific age group

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Desarrollo Empresarial COP 515,000 - 25,750,000 6 - 30 40% - 60% 80% - 100% Business Women, Men, Have business Tech Asst Visits, Business Training
Microvivienda COP 515,000 - 25,750,000 6 - 30 40% - 60% 60% - 80% Housing Women, Men, Have business Credit Educ
Nucleos Solidarios Productivos COP 515,000 - 5,150,000 6 - 24 40% - 60% 0% - 20% Business Women, Men, Have business Group Mtgs, Business Training, Giras Técnicas
Rural Individual - Germina COP 515,000 - 12,875,000 6 - 30 40% - 60% 0% - 20% Business Women, Men, Have business Group Mtgs, Giras Técnicas

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Medium Loans 21.6%-30.0% annual, Decl Bal 0 Fees 0 Ins None N/A 21.4% - 26.5% 21.4% - 26.5% 92
Micro Loans 30.0%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 30% - 34.8% 30% - 34.8% 93
Small Loans 22.8%-33.6% annual, Decl Bal 0 Fees 0 Ins None N/A 24.1% - 32.4% 24.1% - 32.4% 82

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Desarrollo Empresarial 29.5% annual, Decl Bal 1 Fee 1 Ins None N/A 29.6% - 35% 30.1% - 38% 88
Microvivienda 29.5% annual, Decl Bal 0 Fees 1 Ins None N/A 29.6% - 31.1% 30% - 33.7% 91
Nucleos Solidarios Productivos 29.5% annual, Decl Bal 0 Fees 1 Ins None N/A 29.6% - 31% 32.4% - 33.2% 90
Rural Individual - Germina 24.0% annual, Decl Bal 0 Fees 1 Ins None N/A 24% - 26.3% 25.6% - 33.9% 83

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Medium Loans 21.6%-30.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 21.4% - 26.5% 21.4% - 26.5% 92
Micro Loans 30.0%-36.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 30% - 34.8% 30% - 34.8% 93
Small Loans 22.8%-33.6% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 24.1% - 32.4% 24.1% - 32.4% 82

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Desarrollo Empresarial 29.5% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 29.6% - 35% 30.1% - 38% 88
Microvivienda 29.5% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 29.6% - 31.1% 30% - 33.7% 91
Nucleos Solidarios Productivos 29.5% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 29.6% - 31% 32.4% - 33.2% 90
Rural Individual - Germina 24.0% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 24% - 26.3% 25.6% - 33.9% 83
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessLoan PurposeHKLInstitutionKH-008-V03-P02KH-008-V03-P03KH-008-V03-P04ProductKHCountry2013YearRange Number3Institution Data Version01,0002,0003,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 29,00022,00014,0007,300800Number of Borrowers
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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessHousingLoan PurposeAmanecerInstitutionCO-018-V01-P01CO-018-V01-P02CO-018-V01-P03CO-018-V01-P04ProductCOCountry2011YearRange Number1Institution Data Version05,000,00010,000,00015,000,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 70040040Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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Key Statistics
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# 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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