VisionFund Cambodia - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Please note that the information you are viewing is 170 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

VisionFund Cambodia #20, Street 71, Sangkat Tonle Basac,Chamkar Morn DistrictPhnom PenhPO Box 479

Data approved: 2013-04-04

Data version: 3

Age of data: 139 months

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Institution

Fundación para el Desarrollo Integral Espoir Iñaquito No. 1261 y Naciones Unidas Edficio Comandato Torre Iñaquito PenthouseQuito, Pichincha

Data approved: 2010-11-08

Data version: 1

Age of data: 170 months

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Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://visionfund.com.kh/
Year established	2003
Head of Institution	Chee Chin Hoe
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 VengSiem Reap, Svay Rieng, Takéo
# Branches	75

Total Portfolio (nat'l)	KHR 194,987,000,000
Total Portfolio (USD)	USD 49,363,797.47
Active clients with loans	148,843
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations	VisionFund International, Banking With the Poor Network, Cambodia Microfinance Association
Funders	WorldVision International, VisionFund International

Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	No
Website address	http://www.espoir.org.ec/
Year established	2002
Head of Institution	Dr. Guillero José Francisco Moreno Oleas
Regions active
# Branches	6

Total Portfolio (nat'l)	USD 21,264,263
Total Portfolio (USD)	USD 21,264,263
Active clients with loans	56,896
Approximate % female clients	80% - 100%
Approximate % urban clients	40% - 60%
Network affiliations
Funders

Loan Products » Summary

AL-CB-KHR

85,285 Borrowers

USD 14,532,613.59 Portfolio

Active Product

AL-IL-USD

7,406 Borrowers

USD 11,468,110.51 Portfolio

Active Product

AL-SG-USD

2,281 Borrowers

USD 1,056,667.48 Portfolio

Active Product

AL-SG-KHR

6,899 Borrowers

USD 2,962,777.61 Portfolio

Active Product

NBL-CB-KHR

15,241 Borrowers

USD 1,371,509.06 Portfolio

Active Product

NBL-IL-USD

2,967 Borrowers

USD 4,352,304.56 Portfolio

Active Product

NBL-SG-KHR

1,063 Borrowers

USD 482,406.89 Portfolio

Active Product

NBL-SG-USD

1,226 Borrowers

USD 603,741.73 Portfolio

Active Product

SBL-CB-KHR

13,807 Borrowers

USD 1,835,169.17 Portfolio

Active Product

SBL-IL-USD

4,288 Borrowers

USD 7,384,240.16 Portfolio

Active Product

SBL-SG-USD

915 Borrowers

USD 417,233.71 Portfolio

Active Product

SBL-SG-KHR

768 Borrowers

USD 318,379.80 Portfolio

Active Product

AL-CB-THB

5,003 Borrowers

USD 1,518,887.53 Portfolio

Active Product

AL-SG-THB

450 Borrowers

USD 386,663.93 Portfolio

Active Product

SBL-CB-THB

1,042 Borrowers

USD 261,302.81 Portfolio

Active Product

EXL-CB-KHR

0 Borrowers

Portfolio

Low Volume Product

EDL-IL-USD

10 Borrowers

USD 4,174.08 Portfolio

Low Volume Product

SBL-SG-THB

47 Borrowers

USD 28,507.12 Portfolio

Low Volume Product

Agricultural Loan - Community Bank - USD

Retired Product

Small Business Loan - Community Bank - USD

Retired Product

Asset CB USD

Retired Product

Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

Comunal

52,471 Borrowers

USD 13,907,941 Portfolio

Active Product

Emergente

6,175 Borrowers

USD 1,687,779 Portfolio

Active Product

Empresarial

1,635 Borrowers

USD 2,414,152 Portfolio

Active Product

Mejor

773 Borrowers

USD 404,805 Portfolio

Active Product

Minorista

1,094 Borrowers

USD 2,621,383 Portfolio

Active Product

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Agricultural Loan - Community Bank - KHR	KHR 80,000 - 1,400,000	3 - 12	80% - 100%	0% - 20%	Agriculture	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Agricultural Loan - Individual - USD	USD 1,001 - 10,000	3 - 30	80% - 100%	0% - 20%	Agriculture	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Credit Ins, Business Training, Other Training
Agricultural Loan - Solidarity Group - USD	USD 151 - 1,000	3 - 24	80% - 100%	0% - 20%	Agriculture	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Agricultural Loan - Solidarity Group - KHR	KHR 600,100 - 4,000,000	3 - 24	80% - 100%	0% - 20%	Agriculture	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Non-Business Loan - Community Bank - KHR	KHR 80,000 - 1,400,000	3 - 12	80% - 100%	0% - 20%	Consumer	Women, Men, Have business, Have home or land, Salaried worker, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Non-Business Loan - Individual - USD	USD 1,001 - 10,000	3 - 30	80% - 100%	0% - 20%	Consumer	Women, Men, Have business, Have home or land, Salaried worker, Specific age group	Credit Educ, Credit Ins, Business Training, Other Training
Non-Business Loan - Solidarity Group - KHR	KHR 600,100 - 4,000,000	3 - 24	80% - 100%	0% - 20%	Consumer	Women, Men, Have business, Have home or land, Salaried worker, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Non-Business Loan - Solidarity Group - USD	USD 151 - 1,000	3 - 24	80% - 100%	0% - 20%	Consumer	Women, Men, Have business, Have home or land, Salaried worker, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Small Business Loan - Community Bank - KHR	KHR 80,000 - 1,400,000	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Small Business Loan - Individual - USD	USD 1,001 - 10,000	3 - 30	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Credit Ins, Business Training, Other Training
Small Business Loan - Solidarity Group - USD	USD 151 - 1,000	3 - 24	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Small Business Loan - Solidarity Group - KHR	KHR 600,100 - 4,000,000	3 - 24	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Agricultural Loan - Community Bank - THB	THB 800 - 14,000	3 - 12	80% - 100%	0% - 20%	Agriculture	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Agricultural Loan- Solidarity Group - THB	THB 6,001 - 40,000	3 - 24	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Small Business Loan - Community Bank - THB	THB 800 - 14,000	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Crédito de Banca Comunal	USD 350 - 1,800	4 - 6	80% - 100%	40% - 60%	Business	Women, Men, Hombres solo si representan el 20% del total de miembros de grupo	Credit Educ, Group Mtgs, Business Training, Other Training
Crédito Emergente	USD 100 - 500	2 - 6	80% - 100%	40% - 60%	Business, Other	Women, Men, Have business	Credit Ins
Crédito Empresarial	USD 1,000 - 8,000	12 - 36	60% - 80%	40% - 60%	Business	Women, Men, Have business, Specific age group
Crédito Vivamos Mejor	USD 200 - 1,000	2 - 12	80% - 100%	40% - 60%	Housing	Women, Men, Have business, Have home or land
Microcrédito Individual Minorista	USD 1,000 - 8,000	12 - 36	60% - 80%	20% - 40%	Business, Education	Women, Men, Have business	Credit Ins

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agricultural Loan - Community Bank - KHR	35.4%-36.0% annual, Decl Bal	None	N/A	35.5% - 35.9%	35.5% - 35.9%	99
Agricultural Loan - Individual - USD	21.0%-36.0% annual, Decl Bal	None	N/A	22.5% - 26.3%	22.5% - 26.3%	89
Agricultural Loan - Solidarity Group - USD	32.4%-36.0% annual, Decl Bal	None	N/A	32.3% - 33.4%	32.3% - 33.4%	98
Agricultural Loan - Solidarity Group - KHR	34.2%-36.0% annual, Decl Bal	None	N/A	34.1% - 35.1%	34.1% - 35.1%	98
Non-Business Loan - Community Bank - KHR	35.4%-36.0% annual, Decl Bal	None	N/A	35.3% - 35.9%	35.3% - 35.9%	99
Non-Business Loan - Individual - USD	21.0%-36.0% annual, Decl Bal	None	N/A	22% - 26.3%	22% - 26.3%	91
Non-Business Loan - Solidarity Group - KHR	34.2%-36.0% annual, Decl Bal	None	N/A	34.4% - 35.5%	34.4% - 35.5%	98
Non-Business Loan - Solidarity Group - USD	32.4%-36.0% annual, Decl Bal	None	N/A	33.3% - 33.5%	33.3% - 33.5%	97
Small Business Loan - Community Bank - KHR	35.4%-36.0% annual, Decl Bal	None	N/A	35.3% - 35.9%	35.3% - 35.9%	99
Small Business Loan - Individual - USD	21.0%-36.0% annual, Decl Bal	None	N/A	21.5% - 30.8%	21.5% - 30.8%	88
Small Business Loan - Solidarity Group - USD	32.4%-36.0% annual, Decl Bal	None	N/A	33.1% - 33.4%	33.1% - 33.4%	97
Small Business Loan - Solidarity Group - KHR	34.2%-36.0% annual, Decl Bal	None	N/A	34.1% - 34.7%	34.1% - 34.7%	99
Agricultural Loan - Community Bank - THB	33.6%-36.0% annual, Decl Bal	None	N/A	34.7% - 35%	34.7% - 35%	96
Agricultural Loan- Solidarity Group - THB	33.0%-36.0% annual, Decl Bal	None	N/A	33.8% - 34.7%	33.8% - 34.7%	97
Small Business Loan - Community Bank - THB	33.6%-36.0% annual, Decl Bal	None	N/A	33.6% - 35.2%	33.6% - 35.2%	98

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Crédito de Banca Comunal	24.3%-26.8% annual, Flat	None	10.0% upfront	24.7% - 27.6%	30.1% - 34%	73
Crédito Emergente	26.9% annual, Decl Bal	None	N/A	26.7% - 26.9%	26.7% - 26.9%	100
Crédito Empresarial	24.5% annual, Decl Bal	None	N/A	24.5% - 28.9%	24.5% - 28.9%	90
Crédito Vivamos Mejor	26.9% annual, Flat	None	N/A	26.7% - 26.8%	26.7% - 26.8%	100
Microcrédito Individual Minorista	24.5%-26.9% annual, Decl Bal	None	N/A	26.9% - 28.9%	26.9% - 28.9%	88

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agricultural Loan - Community Bank - KHR	35.4%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	35.5% - 35.9%	35.5% - 35.9%	99
Agricultural Loan - Individual - USD	21.0%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	22.5% - 26.3%	22.5% - 26.3%	89
Agricultural Loan - Solidarity Group - USD	32.4%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	32.3% - 33.4%	32.3% - 33.4%	98
Agricultural Loan - Solidarity Group - KHR	34.2%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	34.1% - 35.1%	34.1% - 35.1%	98
Non-Business Loan - Community Bank - KHR	35.4%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	35.3% - 35.9%	35.3% - 35.9%	99
Non-Business Loan - Individual - USD	21.0%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	22% - 26.3%	22% - 26.3%	91
Non-Business Loan - Solidarity Group - KHR	34.2%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	34.4% - 35.5%	34.4% - 35.5%	98
Non-Business Loan - Solidarity Group - USD	32.4%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	33.3% - 33.5%	33.3% - 33.5%	97
Small Business Loan - Community Bank - KHR	35.4%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	35.3% - 35.9%	35.3% - 35.9%	99
Small Business Loan - Individual - USD	21.0%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	21.5% - 30.8%	21.5% - 30.8%	88
Small Business Loan - Solidarity Group - USD	32.4%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	33.1% - 33.4%	33.1% - 33.4%	97
Small Business Loan - Solidarity Group - KHR	34.2%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	34.1% - 34.7%	34.1% - 34.7%	99
Agricultural Loan - Community Bank - THB	33.6%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	34.7% - 35%	34.7% - 35%	96
Agricultural Loan- Solidarity Group - THB	33.0%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	33.8% - 34.7%	33.8% - 34.7%	97
Small Business Loan - Community Bank - THB	33.6%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	33.6% - 35.2%	33.6% - 35.2%	98

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Crédito de Banca Comunal	24.3%-26.8% annual, Flat	0 Ins Ins	None	10.0% upfront	24.7% - 27.6%	30.1% - 34%	73
Crédito Emergente	26.9% annual, Decl Bal	0 Ins Ins	None	N/A	26.7% - 26.9%	26.7% - 26.9%	100
Crédito Empresarial	24.5% annual, Decl Bal	0 Ins Ins	None	N/A	24.5% - 28.9%	24.5% - 28.9%	90
Crédito Vivamos Mejor	26.9% annual, Flat	0 Ins Ins	None	N/A	26.7% - 26.8%	26.7% - 26.8%	100
Microcrédito Individual Minorista	24.5%-26.9% annual, Decl Bal	0 Ins Ins	None	N/A	26.9% - 28.9%	26.9% - 28.9%	88

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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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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

Total Borrowers of Samples

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