| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.ardci.org/ |
| Year established | 1995 |
| Head of Institution | Victor T. Bernal |
| Regions active | |
| # Branches | 28 |
| Total Portfolio (nat'l) | PhP 388,548,183 |
| Total Portfolio (USD) | USD 9,295,411.08 |
| Active clients with loans | 45,967 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | |
| Funders | European Union, Department of Agriculture |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.hkl.com.kh/ |
| Year established | 1994 |
| Head of Institution | Hout Ieng Tong |
| Regions active | Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Mondulkiri , Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo |
| # Branches | 123 |
| Total Portfolio (nat'l) | KHR 431,386,000,000 |
| Total Portfolio (USD) | USD 109,211,645.60 |
| Active clients with loans | 74,429 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Cambodia Microfinance Association (CMA) |
| Funders | SIDI and Dr. Dy Davuth, Norfund, Triple Jump, Oiko Credit |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro Business (MB) | PHP 10,000 - 200,000 | 3 - 12 | 60% - 80% | 20% - 40% | Business | Women, Men | Group Mtgs, Credit Ins |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Medium Loans | USD 2,501 - 10,000 | 3 - 36 | 60% - 80% | 60% - 80% | Business, Housing, Consumer | Women, Men, Have business, Have home or land, Salaried worker, Specific age group | ||||||||
| Micro Loans | USD 50 - 1,000 | 3 - 15 | 80% - 100% | 0% - 20% | Business, Housing, Consumer | Women, Men, Have business, Have home or land, Salaried worker, Specific age group | ||||||||
| Small Loans | USD 1,001 - 2,500 | 3 - 24 | 60% - 80% | 0% - 20% | Business, Housing, Consumer | Women, Men, Have business, Have home or land, Salaried worker, Specific age group |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro Business (MB) | 24.0% annual, Flat | 0 Fees | 2 Ins | None | 10.0% upfront 30.00 ongoing | 44.2% - 46.3% | 58.5% - 75.7% | 37 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Medium Loans | 21.6%-30.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 21.4% - 26.5% | 21.4% - 26.5% | 92 | ||||||||
| Micro Loans | 30.0%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 30% - 34.8% | 30% - 34.8% | 93 | ||||||||
| Small Loans | 22.8%-33.6% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 24.1% - 32.4% | 24.1% - 32.4% | 82 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro Business (MB) | 24.0% annual, Flat | 0 Fees | 2 Ins Ins | None | 10.0% upfront 30.00 ongoing | 44.2% - 46.3% | 58.5% - 75.7% | 37 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Medium Loans | 21.6%-30.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 21.4% - 26.5% | 21.4% - 26.5% | 92 | ||||||||
| Micro Loans | 30.0%-36.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 30% - 34.8% | 30% - 34.8% | 93 | ||||||||
| Small Loans | 22.8%-33.6% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 24.1% - 32.4% | 24.1% - 32.4% | 82 |
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