2. PRASAC
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  2. MCBL
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Institution

PRASAC Building 212, Street 271, Sangkat Tuol Tumpoung IIKhan ChamkarmornPhnom Penh
Data approved: 2013-03-25
Data version: 3
Age of data: 139 months
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Institution

Mwanga Community Bank MwangaKilimanjaroPO Box 333
Data approved: 2013-04-09
Data version: 2
Age of data: 135 months
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.prasac.com.kh/
Year established1995
Head of InstitutionSim Senacheert
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
# Branches168

Total Portfolio (nat'l)KHR 980,669,000,000
Total Portfolio (USD)USD 248,270,632.90
Active clients with loans138,525
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsMixMarket, Banking With the Poor Network, APRACA
FundersDragon Capital Group, FMO, BIO, LOLC

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addressN/A
Year established2000
Head of InstitutionA.Y.Ghuhia
Regions activeKilimanjaro
# Branches1

Total Portfolio (nat'l)TZS 5,079,003,643
Total Portfolio (USD)USD 3,194,341.91
Active clients with loans4,004
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliationsTAMFI
Funders

Loan Products » Summary

Agric USD
16,858 Borrowers
USD 40,039,791 Portfolio
Active Product
Agric KHR
35,522 Borrowers
USD 40,495,949.37 Portfolio
Active Product
Biodigester
1,082 Borrowers
USD 404,112 Portfolio
Active Product
Business KHR
13,870 Borrowers
USD 14,074,012.11 Portfolio
Active Product
Business USD
30,716 Borrowers
USD 100,526,647 Portfolio
Active Product
Consume KHR
9,338 Borrowers
USD 7,740,831.30 Portfolio
Active Product
Consume USD
23,576 Borrowers
USD 47,278,739 Portfolio
Active Product
Group KHR
7,527 Borrowers
USD 1,366,796.35 Portfolio
Active Product
Group USD
36 Borrowers
USD 4,350 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 » Summary

Agriculture
271 Borrowers
USD 243,786.45 Portfolio
Active Product
Group
672 Borrowers
USD 139,436.31 Portfolio
Active Product
Business
521 Borrowers
USD 691,823.90 Portfolio
Active Product
Salaried
2,162 Borrowers
USD 1,258,917.90 Portfolio
Active Product
Transport
340 Borrowers
USD 503,144.65 Portfolio
Low Volume Product
Staff
0 Borrowers
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
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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loans TZS 500,000 - 5,000,000 12 40% - 60% 0% - 20% Business Women, Men Business Training
Group Loans TZS 100,000 - 2,200,000 3 - 6 60% - 80% 0% - 20% Business Women, Men, Have business Business Training
Business Loans TZS 100,000 - 100,000,000 6 - 24 20% - 40% 0% - 20% Business Women, Men, Have business Tech Asst Visits, Other Training
Salaried Loans TZS 100,000 - 9,000,000 1 - 36 40% - 60% 60% - 80% Consumer Women, Men, Salaried worker Credit Educ, Other Training

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loans 30.00% annual, Decl Bal 1 Fee 1 Ins None 15.00% upfront 31.9% 40.1% 74
Group Loans 30.00% annual, Flat 1 Fee 1 Ins None 15.00% upfront 57.7% - 61.5% 78.8% - 86.5% 37
Business Loans 21.60% annual, Flat 1 Fee 1 Ins None 15.00% upfront 32.2% - 41.1% 42.8% - 58.4% 43
Salaried Loans 10.00%-18.00% annual, Flat 1 Fee 1 Ins None N/A 34.4% - 37.9% 35.3% - 39.3% 26

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loans 30.00% annual, Decl Bal 1 Fee 1 Ins Ins None 15.00% upfront 31.9% 40.1% 74
Group Loans 30.00% annual, Flat 1 Fee 1 Ins Ins None 15.00% upfront 57.7% - 61.5% 78.8% - 86.5% 37
Business Loans 21.60% annual, Flat 1 Fee 1 Ins Ins None 15.00% upfront 32.2% - 41.1% 42.8% - 58.4% 43
Salaried Loans 10.00%-18.00% annual, Flat 1 Fee 1 Ins Ins None N/A 34.4% - 37.9% 35.3% - 39.3% 26
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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
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