Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.sathapana.com/ |
Year established | 1995 |
Head of Institution | Dr. Bun Mony |
Regions active | Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh KongKratié, Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo |
# Branches | 88 |
Total Portfolio (nat'l) | KHR 460,081,000,000 |
Total Portfolio (USD) | USD 116,476,202.50 |
Active clients with loans | 66,805 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 20% - 40% |
Network affiliations | Cambodia Microfinance Assosiation (CMA) |
Funders | Maruhan Japan Group, Cambodia Community Building (NGO) |
Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.emfil.org/ |
Year established | 1996 |
Head of Institution | K. Paul Thomas |
Regions active | Chhattisgarh, Kerala, Madhya Pradesh, Maharashtra, Tamil Nadu |
# Branches | 151 |
Total Portfolio (nat'l) | INR 2,301,636,906 |
Total Portfolio (USD) | USD 43,427,111.43 |
Active clients with loans | 352,627 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 0% - 20% |
Network affiliations | MFIN |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Balloon & Semi Balloon Loan USD | USD 50 - 25,000 | 1 - 12 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land | ||||||||
Balloon & Semi Balloon Loan KHR | KHR 200,000 - 100,000,000 | 1 - 12 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land | ||||||||
Micro Loan USD | USD 50 - 5,000 | 1 - 30 | 0% - 20% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land | ||||||||
Micro Loan KHR | KHR 200,000 - 20,000,000 | 1 - 30 | 40% - 60% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land | ||||||||
Group Loan KHR | KHR 200,000 - 1,500,000 | 1 - 12 | 80% - 100% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
General Loan | INR 5,000 - 8,000 | 12 | 80% - 100% | 0% - 20% | Any Purpose | Women, Men, Low HH Inc | Credit Educ, Group Mtgs, Business Training | |||||||
Income Generation Loan | INR 8,000 - 15,000 | 12 | 80% - 100% | 0% - 20% | Business | Women, Men, Low HH Inc | Credit Educ, Group Mtgs, Business Training, Financial education | |||||||
Jeevandhara | INR 3,000 - 12,000 | 12 - 24 | 80% - 100% | 0% - 20% | For installing water connection | Women, Men, Low HH Inc | Credit Educ, Group Mtgs, Tech Asst Visits | |||||||
Nirmal | INR 6,000 - 12,000 | 12 - 24 | 80% - 100% | 0% - 20% | Sanitation Purposes | Women, Men, Low HH Inc, Med HH Inc | Credit Educ, Group Mtgs, Tech Asst Visits | |||||||
Income Generation Loan 2+ | INR 16,000 - 30,000 | 24 | 80% - 100% | 0% - 20% | Business | Women, Men, Low HH Inc, Med HH Inc | Credit Educ, Group Mtgs, Business Training |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Balloon & Semi Balloon Loan USD | 18.0%-30.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 23.2% - 30.4% | 23.2% - 30.4% | 62 | ||||||||
Balloon & Semi Balloon Loan KHR | 24.0%-42.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 30.3% - 36.2% | 30.3% - 36.2% | 74 | ||||||||
Micro Loan USD | 21.6%-42.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 21.9% - 36.4% | 21.9% - 36.4% | 74 | ||||||||
Micro Loan KHR | 27.6%-42.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 30.3% - 33.5% | 30.3% - 33.5% | 89 | ||||||||
Group Loan KHR | 30.0%-42.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 30.3% - 36.4% | 30.3% - 36.4% | 87 |
Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
General Loan | 27% - 27.9% | 29.3% - 30.2% | 29.6% - 30.5% | Yes | Yes | Yes | 95 | |||||||
Income Generation Loan | 27% - 27.9% | 29.3% - 30.2% | 29.6% - 30.5% | Yes | Yes | Yes | 95 | |||||||
Jeevandhara | 21.5% - 23.6% | 23.8% - 25.5% | 24.1% - 25.8% | Yes | Yes | Yes | 99 | |||||||
Nirmal | 22% - 22.2% | 23.2% - 23.4% | 23.4% - 23.6% | Yes | Yes | Yes | 100 | |||||||
Income Generation Loan 2+ | 26.7% - 27.2% | 28.2% - 28.7% | 28.3% - 28.9% | Yes | Yes | Yes | 97 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
General Loan | 26.0% annual, Decl Bal | 1 Fee | 0 Ins | 12.36% fees | N/A | 29.3% - 30.2% | 29.6% - 30.5% | 86 | ||||||||
Income Generation Loan | 26.0% annual, Decl Bal | 1 Fee | 0 Ins | 12.36% fees | N/A | 29.3% - 30.2% | 29.6% - 30.5% | 86 | ||||||||
Jeevandhara | 22.0% annual, Decl Bal | 1 Fee | 0 Ins | 12.36% fees | N/A | 23.8% - 25.5% | 24.1% - 25.8% | 89 | ||||||||
Nirmal | 22.0%-26.0% annual, Decl Bal | 1 Fee | 0 Ins | 12.36% fees | N/A | 23.2% - 23.4% | 23.4% - 23.6% | 93 | ||||||||
Income Generation Loan 2+ | 26.0% annual, Decl Bal | 1 Fee | 0 Ins | 12.36% fees | N/A | 28.2% - 28.7% | 28.3% - 28.9% | 90 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Balloon & Semi Balloon Loan USD | 18.0%-30.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 23.2% - 30.4% | 23.2% - 30.4% | 62 | ||||||||
Balloon & Semi Balloon Loan KHR | 24.0%-42.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 30.3% - 36.2% | 30.3% - 36.2% | 74 | ||||||||
Micro Loan USD | 21.6%-42.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 21.9% - 36.4% | 21.9% - 36.4% | 74 | ||||||||
Micro Loan KHR | 27.6%-42.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 30.3% - 33.5% | 30.3% - 33.5% | 89 | ||||||||
Group Loan KHR | 30.0%-42.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 30.3% - 36.4% | 30.3% - 36.4% | 87 |
Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
General Loan | 27% - 27.9% | 29.3% - 30.2% | 29.6% - 30.5% | Yes | Yes | Yes | 95 | |||||||
Income Generation Loan | 27% - 27.9% | 29.3% - 30.2% | 29.6% - 30.5% | Yes | Yes | Yes | 95 | |||||||
Jeevandhara | 21.5% - 23.6% | 23.8% - 25.5% | 24.1% - 25.8% | Yes | Yes | Yes | 99 | |||||||
Nirmal | 22% - 22.2% | 23.2% - 23.4% | 23.4% - 23.6% | Yes | Yes | Yes | 100 | |||||||
Income Generation Loan 2+ | 26.7% - 27.2% | 28.2% - 28.7% | 28.3% - 28.9% | Yes | Yes | Yes | 97 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
General Loan | 26.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 12.36% fees | N/A | 29.3% - 30.2% | 29.6% - 30.5% | 86 | ||||||||
Income Generation Loan | 26.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 12.36% fees | N/A | 29.3% - 30.2% | 29.6% - 30.5% | 86 | ||||||||
Jeevandhara | 22.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 12.36% fees | N/A | 23.8% - 25.5% | 24.1% - 25.8% | 89 | ||||||||
Nirmal | 22.0%-26.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 12.36% fees | N/A | 23.2% - 23.4% | 23.4% - 23.6% | 93 | ||||||||
Income Generation Loan 2+ | 26.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 12.36% fees | N/A | 28.2% - 28.7% | 28.3% - 28.9% | 90 |
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