2. VF Cambodia
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

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
Choose version

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://visionfund.com.kh/
Year established2003
Head of InstitutionChee Chin Hoe
Regions activeBanteay 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
# Branches75

Total Portfolio (nat'l)KHR 194,987,000,000
Total Portfolio (USD)USD 49,363,797.47
Active clients with loans148,843
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsVisionFund International, Banking With the Poor Network, Cambodia Microfinance Association
FundersWorldVision International, VisionFund International

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 » 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 » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan - Community Bank - KHR 35.4%-36.0% annual, Decl Bal 0 Fees 0 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 Fees 0 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 Fees 0 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 Fees 0 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 Fees 0 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 Fees 0 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 Fees 0 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 Fees 0 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 Fees 0 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 Fees 0 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 Fees 0 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 Fees 0 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 Fees 0 Ins None N/A 34.7% - 35% 34.7% - 35% 96
Agricultural Loan- Solidarity Group - THB 33.0%-36.0% annual, Decl Bal 0 Fees 0 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 Fees 0 Ins None N/A 33.6% - 35.2% 33.6% - 35.2% 98
Institution Price Graph
Click to view Price Analysis Tool
  2. GM Bank
Please note that the information you are viewing is 160 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

GM Bank of Luzon, Inc. Brgy. Dimasalang, Maharlika HighwayCabanatuan City, Nueva Ecija3100
Data approved: 2011-11-16
Data version: 1
Age of data: 160 months

Product

Micro-Agri Loan Product Product 3 of 3 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 224,700
Portfolio (USD)USD 5,375.60
Active Clients with Loans872
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help groupx
Other
Description
This product primarily aims to provide affordable credit for farmers who need additional input for their farm or agriculture-related activities. Priorities are those who can generate weekly sales from their microenterprise activity.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried worker
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyPHP
Minimum loan sizePHP 8,000
Maximum loan size80,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.50%
Highest quoted nominal interest2.50%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionService ChargeNotarial Fee
% of loan amount - min2.00%0
% of loan amount - max8.00%0
OR, Fixed amount - min050
Fixed amount - max050
Reason for variationN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionLoan Insurance
% of loan amount - min1.35%
% of loan amount - max1.75%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited0
or, Fixed-amount depositedPHP 100
Deposits DURING period payments
% loan amount deposited10.00%
or, Fixed-amount deposited0
Conditions on access to depositWhen Leaving
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A

Full Pricing Data

Micro-Agri Loan Product samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 8,000PHP 20,000PHP 30,000PHP 60,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-08-162011-06-302010-08-192011-08-22
Loan Term (Months)5.8 months5.8 months5.8 months5.8 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component57.3%56.0%64.5%42.4%
Insurance Component5.8%10.9%7.9%10.6%
Tax Component4.1%4.1%5.4%3.3%
Deposit Component5.8%6.1%7.9%0.4%
Full APR (int fee ins tax dep)72.9%77.2%85.8%56.6%
Transparency Index41393553
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Micro-Agri Loan Product Price Graphs


Click to view Price Analysis Tool
Caps / Zoom options
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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
Loading...
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

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞