Outstanding portfolio (PHP) | PHP 3,967,152 |
Portfolio (USD) | USD 94,907.94 |
Active Clients with Loans | 2,039 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 80% - 100% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other | Borrower needs 2 co-makers as guarantors |
Any purpose | |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | x |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | x |
Credit insurance | |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | |
Must own a home or land | x |
Must be a salaried worker | |
Must be specific age group | |
Other | Has an existing K-Negosyo loan |
Other (2) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Currency | PHP |
Minimum loan size | PHP 3,000 |
Maximum loan size | 15,000 |
Shortest loan term | 3.0 months |
Longest loan term | 6.0 months |
Approx average | 3.0 months |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | x |
Every 2 weeks | |
Every 4 weeks | |
Monthly | |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 2.50% |
Highest quoted nominal interest | 2.50% |
Interest rate period | Monthly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | PHP 3,000 | PHP 5,000 | PHP 15,000 | ||
Loan Cycle (1, 2, 3, etc) | 3 | 4 | 9 | ||
Disbursement Date | 2011-03-17 | 2011-03-24 | 2011-03-17 | ||
Loan Term (Months) | 3.5 months | 5.8 months | 3.5 months | ||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | ||
Total Cost of Credit | Not Known | Not Known | Not Known | ||
True Price by Comp | |||||
Interest and Fee Component | 57.2% | 58.3% | 57.2% | ||
Insurance Component | 0.0% | 0.0% | 0.0% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 0.0% | 0.0% | 0.0% | ||
Full APR (int fee ins tax dep) | 57.2% | 58.3% | 57.2% | ||
Transparency Index | 52 | 51 | 52 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.chamroeun.com/ |
Year established | 2006 |
Head of Institution | Sophea Suon |
Regions active | Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, KepKratié, Phnom Penh, Pursat, Prey VengSiem Reap, Takéo |
# Branches | 40 |
Total Portfolio (nat'l) | KHR 29,549,677,100 |
Total Portfolio (USD) | USD 7,480,930.91 |
Active clients with loans | 48,192 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 20% - 40% |
Network affiliations | CMA, BWTP, Mix Market, SPTF |
Funders | Entrepreneurs du Monde, Microfinance Solidaire, Grameen Credit Agrole Microfinance Foundation, Chamroeun Staff Association |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Chamroeun Loan | KHR 100,000 - 1,600,000 | 3 - 12 | 80% - 100% | 20% - 40% | Business, Agriculture | Women, Men, Have business, Have home or land | Credit Educ, Tech Asst Visits, Business Training, Other Training, Social training ( health, nutrition, domestic violence, waste management) | |||||||
Developing Loan | KHR 100,000 - 1,000,000 | 3 - 12 | 80% - 100% | 20% - 40% | Business, Agriculture | Women, Men, Have business | Credit Educ, Tech Asst Visits, Business Training, Other Training, Social training ( health, nutrition, domestic violence, waste management) | |||||||
Entrepreneurs Loan | KHR 1,200,000 - 4,000,000 | 3 - 18 | 80% - 100% | 20% - 40% | Business, Agriculture | Women, Men, Have business, Have home or land | Tech Asst Visits, Business Training, Other Training, Social training ( health, nutrition, domestic violence, waste management) |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Chamroeun Loan | 42.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 45.6% - 52.4% | 45.6% - 52.4% | 88 | ||||||||
Developing Loan | 39.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 42.7% - 53.8% | 42.7% - 53.8% | 86 | ||||||||
Entrepreneurs Loan | 39.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 41.5% - 43.8% | 41.5% - 43.8% | 92 |
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% Products with one or more insurances | |
% Products with compulsory deposits |
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