| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.hkl.com.kh/ |
| Year established | 1994 |
| Head of Institution | Hout Ieng Tong |
| 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 | 123 |
| Total Portfolio (nat'l) | KHR 431,386,000,000 |
| Total Portfolio (USD) | USD 109,211,645.60 |
| Active clients with loans | 74,429 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Cambodia Microfinance Association (CMA) |
| Funders | SIDI and Dr. Dy Davuth, Norfund, Triple Jump, Oiko Credit |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.kmbi.org.ph/ |
| Year established | 1986 |
| Head of Institution | Damiana D. Exiomo |
| Regions active | |
| # Branches | 71 |
| Total Portfolio (nat'l) | PhP 631,134,086 |
| Total Portfolio (USD) | USD 15,098,901.58 |
| Active clients with loans | 245,017 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | Microfinance Council of the Philippines, Inc., Alliance of Philippine Partners in Enterprise Development (APPEND), Opportunity International Network (OIN), Banking with the Poor (BWTP) |
| Funders |
| 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 |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | PHP 4,000 - 20,000 | 6 | 80% - 100% | 60% - 80% | Business | Women, Have business | Group Mtgs |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 40.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0% upfront 40.00 ongoing | 85.7% - 93.8% | 107.7% - 135.2% | 33 |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 40.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.0% upfront 40.00 ongoing | 85.7% - 93.8% | 107.7% - 135.2% | 33 |
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