Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.seilanithih.com.kh/ |
Year established | 1996 |
Head of Institution | Mr. Sanjay Gandhi |
Regions active | Banteay Meanchey, Battambang, Kampong Cham, Kandal, Phnom Penh, PursatSiem Reap |
# Branches | 25 |
Total Portfolio (nat'l) | KHR 26,884,090,059 |
Total Portfolio (USD) | USD 6,806,098.75 |
Active clients with loans | 11,502 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 0 |
Network affiliations | CMA |
Funders | CMI, CARD |
Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.finca.org/ |
Year established | 2001 |
Head of Institution | Thomas Lendzian |
Regions active | Central Province, Copperbelt Province, Eastern Province, Lusaka Province, Southern Province |
# Branches | 14 |
Total Portfolio (nat'l) | ZMW 105,140,570 |
Total Portfolio (USD) | USD 16,420,850.34 |
Active clients with loans | 43,773 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 60% - 80% |
Network affiliations | FINCA International |
Funders | INVESTOR! FINCA MICROFINANCE COOPERATIEF U.A. (NETHERLANDS), DONOR! MASTERCARD FOUNDATION |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Group Loan (KHR) | KHR 400,000 - 2,400,000 | 1 - 24 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business, Have home or land | Credit Ins | |||||||
Group Loan (THB) | THB 4,000 - 24,000 | 1 - 12 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business, Have home or land, Specific age group | Credit Ins | |||||||
Individual Loan (THB) | THB 4,000 - 200,000 | 1 - 12 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business, Have home or land, Specific age group | Credit Ins | |||||||
Individual Loan (KHR) | KHR 400,000 - 20,000,000 | 1 - 12 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business, Have home or land, Specific age group | ||||||||
Individual Loan (USD) | USD 100 - 10,000 | 1 - 24 | 40% - 60% | 20% - 40% | Business | Women, Men, Have business, Have home or land, Specific age group |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Business Loans | ZMW 1,500 - 100,000 | 6 - 24 | 60% - 80% | 20% - 40% | Business | Women, Men, Have business, Must have a valid National Registration Card, Must have business or personal assets to pledge | Credit Ins | |||||||
Small Group Loan | ZMW 1,200 - 15,000 | 6 - 12 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business, Must be a member of a self selected solidarity group | Group Mtgs, Credit Ins | |||||||
Village Banking Loans | ZMW 150 - 12,500 | 6 - 12 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business, Must be a member of a self selected village bank | Credit Educ, Group Mtgs, Credit Ins, Funeral benefits | |||||||
Small Enterprise Loan | ZMW 100,000 - 600,000 | 12 - 36 | 60% - 80% | 20% - 40% | Business | Women, Men, Have business | Credit Ins |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Group Loan (KHR) | 36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | 3.0% upfront | 36% | 37.1% | 97 | ||||||||
Group Loan (THB) | 36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | 3.0% upfront | 32.9% - 36% | 34.8% - 37.1% | 100 | ||||||||
Individual Loan (THB) | 27.0%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | 3.0% upfront | 27.1% - 36% | 28.7% - 37.1% | 88 | ||||||||
Individual Loan (KHR) | 30.0%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | 3.0% upfront | 30% - 36% | 31% - 37.1% | 85 | ||||||||
Individual Loan (USD) | 27.0%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | 3.0% upfront | 27.1% - 33.4% | 28.6% - 35.2% | 95 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Business Loans | 51.4%-52.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 66.7% - 79% | 68.4% - 81.4% | 69 | ||||||||
Small Group Loan | 52.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 70.3% - 91% | 72.6% - 95.2% | 63 | ||||||||
Village Banking Loans | 52.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 74.9% - 91.2% | 77.8% - 95.4% | 59 | ||||||||
Small Enterprise Loan | 49.6% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 0% | 0% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Group Loan (KHR) | 36.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 3.0% upfront | 36% | 37.1% | 97 | ||||||||
Group Loan (THB) | 36.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 3.0% upfront | 32.9% - 36% | 34.8% - 37.1% | 100 | ||||||||
Individual Loan (THB) | 27.0%-36.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 3.0% upfront | 27.1% - 36% | 28.7% - 37.1% | 88 | ||||||||
Individual Loan (KHR) | 30.0%-36.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 3.0% upfront | 30% - 36% | 31% - 37.1% | 85 | ||||||||
Individual Loan (USD) | 27.0%-36.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 3.0% upfront | 27.1% - 33.4% | 28.6% - 35.2% | 95 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Business Loans | 51.4%-52.0% annual, Decl Bal | 2 Fees | 1 Ins Ins | None | N/A | 66.7% - 79% | 68.4% - 81.4% | 69 | ||||||||
Small Group Loan | 52.0% annual, Decl Bal | 2 Fees | 1 Ins Ins | None | N/A | 70.3% - 91% | 72.6% - 95.2% | 63 | ||||||||
Village Banking Loans | 52.0% annual, Decl Bal | 2 Fees | 1 Ins Ins | None | N/A | 74.9% - 91.2% | 77.8% - 95.4% | 59 | ||||||||
Small Enterprise Loan | 49.6% annual, Decl Bal | 2 Fees | 1 Ins Ins | None | N/A | 0% | 0% | N/A |
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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
---|---|---|---|---|---|---|---|
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
N (# of Samples) | ||||||
Total Borrrowers of Samples | ||||||
Avg | ||||||
Min | ||||||
Max | ||||||
Std Dev | ||||||
By Inst Type | ||||||
By Country | ||||||
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
From 0 to | ||||||
to | ||||||
to | ||||||
to ∞ |