VisionFund Cambodia - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 140 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 141 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: 140 months

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Institution

Opportunity International Savings & Loans Ltd. No. D765/3 Kwame Nkrumah AvenueAccra, Greater AccraPO Box JT 323

Data approved: 2013-03-12

Data version: 2

Age of data: 141 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 Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://www.opportunityghana.com/
Year established	2004
Head of Institution	Kwame Owusu-Boateng
Regions active	Greater Accra Region, Central Region, Western Region, Eastern Region, Ashanti Region, Brong Ahafo Region
# Branches	29

Total Portfolio (nat'l)	GHS 56,590,868
Total Portfolio (USD)	USD 28,726,328.93
Active clients with loans	62,525
Approximate % female clients	60% - 80%
Approximate % urban clients	40% - 60%
Network affiliations	Opportunity International USA
Funders	Opportunity Microfinance Investment Ltd, Opportunity Transformation Investment, Sinapi Aba Trust, Oikocredit

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

Agriculture

7,428 Borrowers

USD 1,242,790.36 Portfolio

Active Product

Church

53 Borrowers

USD 241,847.21 Portfolio

Active Product

Family

273 Borrowers

USD 144,458.88 Portfolio

Active Product

Group

39,801 Borrowers

USD 11,025,252.79 Portfolio

Active Product

Individual

3,257 Borrowers

USD 2,895,500.51 Portfolio

Active Product

ISME

595 Borrowers

USD 4,731,220.81 Portfolio

Active Product

Susu

1,443 Borrowers

USD 913,463.45 Portfolio

Active Product

Adehye

8,946 Borrowers

USD 5,867,048.22 Portfolio

Active Product

Education

245 Borrowers

USD 171,009.14 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
Agriculture Loan	GHS 130 - 10,000	6 - 9	60% - 80%	0% - 20%	Business, Farming	Women, Men, Specific age group, Farmers	Credit Educ, Credit Ins
Church Loan	GHS 5,000 - 100,000	3 - 37	0%	60% - 80%	Financing church building	Women, Men, Fully registered functioning church	Credit Educ
Salary Loan	GHS 270 - 15,000	6 - 24	20% - 40%	100%	Any Purpose	Women, Men, Have business, Salaried worker	Credit Educ, Credit Ins
Group Loan	GHS 100 - 8,000	3 - 12	60% - 80%	40% - 60%	Business	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Individual Loan	GHS 200 - 12,000	2 - 24	40% - 60%	20% - 40%	Business	Women, Men, Have business	Credit Educ, Credit Ins
ISME / Edufinance	GHS 10,000 - 100,000	10 - 37	0% - 20%	80% - 100%	Business, Education	Women, Men, Have business, Fully registered and licensed school	Tech Asst Visits, Business Training
Susu Loan	GHS 100 - 10,000	3 - 12	40% - 60%	40% - 60%	Business	Women, Men	Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Adehye Loan	GHS 280 - 8,000	3 - 8	60% - 80%	40% - 60%	Business	Women, Men, Have business, Must be a good group loan client.	Credit Educ, Group Mtgs
Eduloan	GHS 500 - 3,000	24	60% - 80%	80% - 100%	Education	Women, Men	Credit Educ

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	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agriculture Loan	36.0% annual, Flat	2 Fees	1 Ins	None	10.0% upfront	40.8% - 65.4%	47% - 78.8%	61
Church Loan	39.0% annual, Decl Bal	2 Fees	1 Ins	None	15.0% upfront	42.1% - 45.3%	55.6% - 61.3%	66
Salary Loan	24.0% annual, Flat	2 Fees	1 Ins	None	N/A	43.4% - 48.5%	44.6% - 50.6%	51
Group Loan	41.0% annual, Flat	2 Fees	1 Ins	None	15.0% upfront	77.5% - 90.7%	103% - 123.9%	36
Individual Loan	42.0% annual, Flat	2 Fees	1 Ins	None	10.0% upfront	67.6% - 79%	78.4% - 95.7%	47
ISME / Edufinance	39.0% annual, Decl Bal	2 Fees	1 Ins	None		43% - 46.3%	44.4% - 48%	84
Susu Loan	39.0% annual, Flat	2 Fees	1 Ins	None	N/A	68.4% - 74.6%	69.8% - 77.3%	53
Adehye Loan	38.0% annual, Flat	1 Fee	1 Ins	None	15.0%-20.0% upfront	67.1% - 81.6%	96.6% - 124.1%	35
Eduloan	24.0%-37.0% annual, Decl Bal	1 Fee	1 Ins	None	N/A	41.6% - 74.1%	42.5% - 78%	37

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	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agriculture Loan	36.0% annual, Flat	2 Fees	1 Ins Ins	None	10.0% upfront	40.8% - 65.4%	47% - 78.8%	61
Church Loan	39.0% annual, Decl Bal	2 Fees	1 Ins Ins	None	15.0% upfront	42.1% - 45.3%	55.6% - 61.3%	66
Salary Loan	24.0% annual, Flat	2 Fees	1 Ins Ins	None	N/A	43.4% - 48.5%	44.6% - 50.6%	51
Group Loan	41.0% annual, Flat	2 Fees	1 Ins Ins	None	15.0% upfront	77.5% - 90.7%	103% - 123.9%	36
Individual Loan	42.0% annual, Flat	2 Fees	1 Ins Ins	None	10.0% upfront	67.6% - 79%	78.4% - 95.7%	47
ISME / Edufinance	39.0% annual, Decl Bal	2 Fees	1 Ins Ins	None		43% - 46.3%	44.4% - 48%	84
Susu Loan	39.0% annual, Flat	2 Fees	1 Ins Ins	None	N/A	68.4% - 74.6%	69.8% - 77.3%	53
Adehye Loan	38.0% annual, Flat	1 Fee	1 Ins Ins	None	15.0%-20.0% upfront	67.1% - 81.6%	96.6% - 124.1%	35
Eduloan	24.0%-37.0% annual, Decl Bal	1 Fee	1 Ins Ins	None	N/A	41.6% - 74.1%	42.5% - 78%	37

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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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Total Borrrowers of Samples


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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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