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 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

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

Goshen Finance S.A NyarugengeKigaliPO Box 4787

Data approved: 2011-09-16

Data version: 1

Age of data: 160 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	N/A
Year established	2006
Head of Institution	Munyankumburwa Samuel
Regions active	Bugesera, Burera, Gasabo, Gatsibo, Gicumbi, KamonyiKayonza, Kicukiro, Muhanga, Musanze, Nyagatare, Nyanza, Nyarugenge
# Branches	4

Total Portfolio (nat'l)	RWF 2,378,245,166
Total Portfolio (USD)	USD 3,716,008.07
Active clients with loans	2,076
Approximate % female clients	20% - 40%
Approximate % urban clients	20% - 40%
Network affiliations	AMIR
Funders	Banqu Nationale Du Rwanda, Banque Rwandaise De Development

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

Agri-Elevage

444 Borrowers

USD 658,224.40 Portfolio

Active Product

Autres

1,127 Borrowers

USD 1,022,369.35 Portfolio

Active Product

Commerce

331 Borrowers

USD 1,215,800.97 Portfolio

Active Product

Construction

119 Borrowers

USD 623,003.02 Portfolio

Active Product

Transport

55 Borrowers

USD 196,610.34 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
Agri-Elevage Loan	RWF 1,000,000 - 15,000,000	6 - 36	0% - 20%	0% - 20%	Business	Women, Men	Credit Ins, Tech Asst Visits, Business Training
Autres Credits	RWF 100,000 - 10,000,000	1 - 24	0% - 20%	40% - 60%	Consumer, Education, Other	Women, Men	Business Training, Other Training
Commerce Loan	RWF 500,000 - 30,000,000	6 - 36	20% - 40%	80% - 100%	Business	Women, Men, Have business	Credit Educ, Credit Ins, Business Training
Construction Loan	RWF 500,000 - 30,000,000	12 - 60	20% - 40%	60% - 80%	Business, Housing, Consumer	Women, Men, Have business	Credit Educ, Credit Ins, Business Training
Equipement pour le Transport Loan	RWF 1,000,000 - 10,000,000	12 - 36	0% - 20%	60% - 80%	Business, Consumer	Women, Men, Have business	Credit Ins, Business Training, Other Training

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
Agri-Elevage Loan	16.00% annual, Decl Bal	1 Fee	1 Ins	None	N/A	14.1% - 56%	14.7% - 57.3%	58
Autres Credits	16.00% annual, Decl Bal	1 Fee	1 Ins	None	N/A	15.4% - 72%	16.1% - 72%	45
Commerce Loan	16.00% annual, Decl Bal	1 Fee	1 Ins	None	N/A	15.1% - 20%	18.7% - 49.9%	61
Construction Loan	16.00% annual, Decl Bal	1 Fee	1 Ins	None	N/A	16.9% - 18.1%	16.9% - 19%	88
Equipement pour le Transport Loan	16.00% annual, Decl Bal	1 Fee	1 Ins	None	N/A	17.5% - 18.8%	18.6% - 19.4%	83

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
Agri-Elevage Loan	16.00% annual, Decl Bal	1 Fee	1 Ins Ins	None	N/A	14.1% - 56%	14.7% - 57.3%	58
Autres Credits	16.00% annual, Decl Bal	1 Fee	1 Ins Ins	None	N/A	15.4% - 72%	16.1% - 72%	45
Commerce Loan	16.00% annual, Decl Bal	1 Fee	1 Ins Ins	None	N/A	15.1% - 20%	18.7% - 49.9%	61
Construction Loan	16.00% annual, Decl Bal	1 Fee	1 Ins Ins	None	N/A	16.9% - 18.1%	16.9% - 19%	88
Equipement pour le Transport Loan	16.00% annual, Decl Bal	1 Fee	1 Ins Ins	None	N/A	17.5% - 18.8%	18.6% - 19.4%	83

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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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