Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.prasac.com.kh/ |
Year established | 1995 |
Head of Institution | Sim Senacheert |
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 | 168 |
Total Portfolio (nat'l) | KHR 980,669,000,000 |
Total Portfolio (USD) | USD 248,270,632.90 |
Active clients with loans | 138,525 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 0% - 20% |
Network affiliations | MixMarket, Banking With the Poor Network, APRACA |
Funders | Dragon Capital Group, FMO, BIO, LOLC |
Institution Type | Non Bank Financial Institution |
Is this institution regulated? | No |
Website address | http://opportunity.net/kenya/ |
Year established | 2006 |
Head of Institution | Lydia Njoroge |
Regions active | Nairobi, Nyanza, Rift Valley, Western |
# Branches | 11 |
Total Portfolio (nat'l) | KES 402,920,910 |
Total Portfolio (USD) | USD 4,866,194.57 |
Active clients with loans | 9,122 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 60% - 80% |
Network affiliations | Opportunity International, AMFI |
Funders | Opportunity International USA, Wedco Enterprises Limited |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Production Loan (USD) | USD 75 - 50,000 | 4 - 48 | 60% - 80% | 0% - 20% | Business, Agriculture | Women, Men, Have home or land | ||||||||
Agricultural Production Loan (KHR) | KHR 300,000 - 200,000,000 | 4 - 48 | 80% - 100% | 0% - 20% | Business, Agriculture | Women, Men, Have home or land | ||||||||
Biodigester Loan (USD) | USD 150 - 1,000 | 4 - 24 | 60% - 80% | 0% - 20% | Business | Women, Men, Have home or land | ||||||||
Business Loan (KHR) | KHR 300,000 - 200,000,000 | 4 - 48 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business, Have home or land | ||||||||
Business Loan (USD) | USD 75 - 50,000 | 4 - 48 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business, Have home or land | ||||||||
Consumption Loan (KHR) | KHR 300,000 - 200,000,000 | 4 - 48 | 80% - 100% | 0% - 20% | Housing, Consumer, Education | Women, Men, Have business, Have home or land | ||||||||
Consumption Loan (USD) | USD 75 - 25,000 | 4 - 48 | 60% - 80% | 20% - 40% | Housing, Consumer, Education | Women, Men, Have business, Have home or land | ||||||||
Group Loan (KHR) | KHR 100,000 - 5,000,000 | 4 - 12 | 80% - 100% | 0% - 20% | Any Purpose | Women, Men | Group Mtgs |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Msingi Loan | KES 10,000 - 500,000 | 6 - 36 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business, Must have run a business for at least 12 months | Credit Educ, Group Mtgs, Credit Ins, Other Training, Fire/Burglary Insurance | |||||||
Nguzo Loan | KES 50,000 - 500,000 | 6 - 36 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business, Must have run a business for at least 24 months | Credit Educ, Group Mtgs, Credit Ins, Other Training, Fire/Burglary Insurance | |||||||
Somesha (Education) Loan | KES 5,000 - 100,000 | 3 - 12 | 40% - 60% | 60% - 80% | Education | Women, Men, Must be attending an educational institution or have a dependent attending | Credit Educ, Group Mtgs, Credit Ins, Other Training, Fire/Burglary Insurance | |||||||
Asset Loan | KES 5,000 - 2,000,000 | 6 - 36 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Other Training |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Production Loan (USD) | 16.8%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 20.5% - 32.4% | 20.5% - 32.4% | 61 | ||||||||
Agricultural Production Loan (KHR) | 25.2%-39.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 26.5% - 32.4% | 26.5% - 32.4% | 83 | ||||||||
Biodigester Loan (USD) | 14.4% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 14.5% | 14.5% | 99 | ||||||||
Business Loan (KHR) | 25.2%-32.4% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 25.3% - 34.8% | 25.3% - 34.8% | 83 | ||||||||
Business Loan (USD) | 16.8%-32.4% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 21.7% - 32.4% | 21.7% - 32.4% | 64 | ||||||||
Consumption Loan (KHR) | 25.2%-32.4% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 25.3% - 30.1% | 25.3% - 30.1% | 89 | ||||||||
Consumption Loan (USD) | 19.2%-32.4% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 21.7% - 32.4% | 21.7% - 32.4% | 73 | ||||||||
Group Loan (KHR) | 31.2%-39.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 32.4% - 33.6% | 32.4% - 33.6% | 94 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Msingi Loan | 22.0% annual, Flat | 2 Fees | 1 Ins | None | 20.0% upfront 100.00 ongoing | 41.8% - 59.8% | 64.2% - 135% | 26 | ||||||||
Nguzo Loan | 22.0% annual, Flat | 2 Fees | 1 Ins | None | 25.0% upfront 200.00 ongoing | 39.9% - 49.3% | 67.5% - 112.5% | 27 | ||||||||
Somesha (Education) Loan | 16.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0% upfront | 34% - 44% | 45.6% - 59.7% | 33 | ||||||||
Asset Loan | 22.0% annual, Flat | 2 Fees | 1 Ins | None | 15.0% upfront | 42.7% - 46.9% | 61% - 71.9% | 34 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Production Loan (USD) | 16.8%-36.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 20.5% - 32.4% | 20.5% - 32.4% | 61 | ||||||||
Agricultural Production Loan (KHR) | 25.2%-39.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 26.5% - 32.4% | 26.5% - 32.4% | 83 | ||||||||
Biodigester Loan (USD) | 14.4% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 14.5% | 14.5% | 99 | ||||||||
Business Loan (KHR) | 25.2%-32.4% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 25.3% - 34.8% | 25.3% - 34.8% | 83 | ||||||||
Business Loan (USD) | 16.8%-32.4% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 21.7% - 32.4% | 21.7% - 32.4% | 64 | ||||||||
Consumption Loan (KHR) | 25.2%-32.4% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 25.3% - 30.1% | 25.3% - 30.1% | 89 | ||||||||
Consumption Loan (USD) | 19.2%-32.4% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 21.7% - 32.4% | 21.7% - 32.4% | 73 | ||||||||
Group Loan (KHR) | 31.2%-39.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 32.4% - 33.6% | 32.4% - 33.6% | 94 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Msingi Loan | 22.0% annual, Flat | 2 Fees | 1 Ins Ins | None | 20.0% upfront 100.00 ongoing | 41.8% - 59.8% | 64.2% - 135% | 26 | ||||||||
Nguzo Loan | 22.0% annual, Flat | 2 Fees | 1 Ins Ins | None | 25.0% upfront 200.00 ongoing | 39.9% - 49.3% | 67.5% - 112.5% | 27 | ||||||||
Somesha (Education) Loan | 16.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 10.0% upfront | 34% - 44% | 45.6% - 59.7% | 33 | ||||||||
Asset Loan | 22.0% annual, Flat | 2 Fees | 1 Ins Ins | None | 15.0% upfront | 42.7% - 46.9% | 61% - 71.9% | 34 |
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