Institution # Borrowers Portfolio (US$) Products Age of Data
Adhikar35,3002,674,0001143
AMPL000143
Arman41,500529,107,0001143
Arohan43,5008,091,0002143
ASA INDIA164,00015,380,0001143
Asirvad113,50019,328,0001143
Asmitha1,114,800217,867,0001143
Bandhan4,048,600674,564,0005143
Belstar123,00023,945,0002121
BSFL275,20031,590,0003143
Chaitanya20,7003,748,0003143
Disha Microfin69,00014,332,0002143
Equitas1,220,000186,415,0004143
ESAF354,20043,500,0005143
FFSL150,60035,719,0002143
Fusion66,8009,820,0002143
Grama Vidiyal738,200102,101,0001143
Grameen Koota586,60083,555,00015145
Janalakshmi506,000119,077,0002143
L & T Finance399,80037,199,0001143
MFL331,80049,083,0001143
MMFL175,00023,752,0002143
Mpower13,6002,263,0002143
Sahayata000143
Saija24,7004,682,0002143
Samasta45,5004,809,0002143
Satin405,60090,174,0002143
SCCI115,60015,910,0002143
Share2,195,400376,727,0001143
SKS3,409,000355,029,0002143
SMILE360,20056,927,0001143
SNFL9,4001,779,0001143
Sonata Finance158,20022,724,0003145
Spandana533,400147,240,0002143
Suryoday78,60014,713,0003143
SVCL118,20018,886,0001143
Swadhaar92,80017,166,0003143
Trident68,7008,852,0001143
Ujjivan913,300160,848,0005143
Utkarsh168,60025,915,0003143
VFS175,40019,264,0002143
Asomi50,3004,743,0002175
AES India3,600286,0001175
Arth2,900611,0002175
Asomi50,3004,743,0002175
Barasat GS1,10099,508.021175
BJS6,000468,0001175
Cashpor417,00050,452,0001174
Credible10,0001,669,540.362175
DIBAKAR1,800145,0001174
GOF65,2005,388,0004174
Hope62,6004,407,0001172
Jaago2,700237,0001173
LOK4,900573,0001174
Nano25,6003,660,0002175
NBSAAVS28,1002,821,0001172
Nirantara8,200917,0002174
Parama7,100482,0001174
Pragathi26,2004,579,0006174
PWMACS36,5005,946,0001174
Saadhana90,90012,046,0002174
Sambhav1,500183,0003174
Seba Rahara6,700468,0001174
SU61,1005,498,0001174
Swayanshree7,900918,0002174
Vikas Samiti1,600168,0001174
Vistaar4,3001,157,0002172
We The People1,100244,0002174
WEMCS1,10085,0001174
Yukti1,10099,0002174
Please note that the information you are viewing is 143 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Amret Microfinance Institution # 35BA, St.169, Sangkat Veal VongKhan 7 MakaraPhnom Penh, Cambodia855
Data approved: 2013-05-21
Data version: 3
Age of data: 143 months

Product

Home Improvement Loan (KHR) Product 6 of 8 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 3,141,395,950
Portfolio (USD)USD 795,290.11
Active Clients with Loans1,913
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Description
A home improvement loan provides individuals with the necessary funds to carry out renovations or extensions to their existing house (eg. fence, roof, kitchen, WC, living room, etc.).
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution18
# Regions for this product18
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Phnom Penh, Sihanoukville, Pursat, Prey VengSiem Reap, Svay Rieng, Takéo

Loan Conditions

Loan Amount
CurrencyKHR
Minimum loan sizeKHR 1,000,000
Maximum loan size40,000,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,0005%
KHR 1,000,000-3,500,00015%
KHR 3,500,000-6,000,00030%
KHR 6,000,000-8,000,00020%
KHR 8,000,000-10,000,00015%
Greater than KHR 10,000,00015%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term36.0 months
Approx average17.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less5%
Between 4 and 6 months5%
Between 7 and 9 months10%
Between 10 and 12 months10%
Between 13 and 18 months20%
Longer than 18 months50%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
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 interest3.50%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Home Improvement Loan (KHR) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountKHR 1,000,000KHR 2,500,000KHR 6,000,000KHR 8,100,000KHR 10,000,000KHR 12,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-212013-04-252013-04-032013-01-212013-02-082013-01-22
Loan Term (Months)12.0 months19.0 months25.0 months24.0 months24.0 months24.0 months
Grace Period (Months)-0.1 months0.3 months0.6 months0.0 months0.0 months0.0 months
Total Cost of CreditKHR 194,200KHR 789,500KHR 2,360,300KHR 2,528,200KHR 3,515,900KHR 3,745,000
True Price by Comp           
Interest price component35.6%38.1%35.5%30.1%33.2%29.9%
Fee Component0.0%0.0%0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)35.6%38.1%35.5%30.1%33.2%29.9%
Transparency Index84798510090100
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Home Improvement Loan (KHR) Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeHousingLoan PurposeAMRETInstitutionKH-003-V03-P06ProductKHCountry2013YearRange Number3Institution Data Version02,000,0004,000,0006,000,0008,000,00010,000,00012,000,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 30010020Number of Borrowers
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
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