2. ADCSI
Please note that the information you are viewing is 163 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Chamroeun
Please note that the information you are viewing is 124 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Addis Credit and Savings Institution Head OfficeAddis AbabaPO Box 5667
Data approved: 2012-01-13
Data version: 1
Age of data: 163 months

Institution

Chamroeun Microfinance Limited #42D, St. 320, Chamkar Morn DistrictBoeung Keng Kang III CommunePhnom penh, Cambodia
Data approved: 2013-03-26
Data version: 3
Age of data: -   months 
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.adcsi.org/
Year established2001
Head of InstitutionAwash Abetew
Regions active
# Branches134

Total Portfolio (nat'l)ETB 566,826,000
Total Portfolio (USD)USD 30,805,760.87
Active clients with loans156,148
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsAEMFI, MAIN
FundersCity Government, Global Fund

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.chamroeun.com/
Year established2006
Head of InstitutionSophea Suon
Regions activeBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Kep, Phnom Penh, Pursat, Prey VengSiem Reap, Takéo
# Branches39

Total Portfolio (nat'l)KHR 20,805,474,952
Total Portfolio (USD)USD 5,267,208.85
Active clients with loans42,722
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliationsCMA, BWTP
FundersEntrepreneurs du Monde, Microfinance Solidaire, Grameen Credit Agrole Microfinance Foundation, Chamroeun Staff Association

Loan Products » Summary

Agriculture
10,644 Borrowers
USD 2,762,338.26 Portfolio
Active Product
Business
165,464 Borrowers
USD 28,084,435.05 Portfolio
Active Product

Loan Products » Summary

CL
17,575 Borrowers
USD 1,633,500.50 Portfolio
Active Product
DL
14,916 Borrowers
USD 956,185.22 Portfolio
Active Product
EL
10,138 Borrowers
USD 2,596,541.33 Portfolio
Active Product
SEL
5 Borrowers
USD 409.27 Portfolio
Low Volume 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
Agriculture Loan ETB 700 - 250,000 6 - 18 20% - 40% 0% - 20% Business, Agriculture Women, Men Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits
Micro & Small Business Loan ETB 700 - 1,000,000 7 - 36 40% - 60% 80% - 100% Business Women, Men Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Chamroeun Loan KHR 100,000 - 1,200,000 2 - 12 80% - 100% 60% - 80% Business Women, Men, Have business, Have home or land Credit Educ, Tech Asst Visits, Business Training, Other Training, Social training (HIV, human rights), Skills training (cooking, cake making)
Developing Loan KHR 100,000 - 600,000 2 - 10 80% - 100% 60% - 80% Business Women, Men, Have business Credit Educ, Tech Asst Visits, Business Training, Other Training, Social training (HIV, human rights), Skills training (cooking, cake making)
Entrepreneurs Loan KHR 700,000 - 4,000,000 2 - 12 80% - 100% 60% - 80% Business Women, Men, Have business, Have home or land Tech Asst Visits, Business Training, Other Training, Social training (HIV, human rights), Skills training (cooking, cake making)

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 10.0% annual, Flat 1 Fee 1 Ins None 5.0% upfront 17.3% - 20.4% 19.8% - 23.8% 46
Micro & Small Business Loan 10.0% annual, Flat 1 Fee 1 Ins None 5.0% upfront 17.7% - 19.9% 20.5% - 23.1% 45

Loan Products » Pricing Information

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 10.00% ongoing 42.2% - 47.7% 47.9% - 53.2% 83
Developing Loan 30.0%-36.0% annual, Decl Bal 1 Fee 0 Ins None 10.00% ongoing 41.7% - 42.1% 44.9% - 45.3% 66
Entrepreneurs Loan 39.0% annual, Decl Bal 1 Fee 0 Ins None 10.00% ongoing 41.1% - 43.2% 46.3% - 48.1% 83

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 10.0% annual, Flat 1 Fee 1 Ins Ins None 5.0% upfront 17.3% - 20.4% 19.8% - 23.8% 46
Micro & Small Business Loan 10.0% annual, Flat 1 Fee 1 Ins Ins None 5.0% upfront 17.7% - 19.9% 20.5% - 23.1% 45

Loan Products » Pricing Information

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 Ins None 10.00% ongoing 42.2% - 47.7% 47.9% - 53.2% 83
Developing Loan 30.0%-36.0% annual, Decl Bal 1 Fee 0 Ins Ins None 10.00% ongoing 41.7% - 42.1% 44.9% - 45.3% 66
Entrepreneurs Loan 39.0% annual, Decl Bal 1 Fee 0 Ins Ins None 10.00% ongoing 41.1% - 43.2% 46.3% - 48.1% 83
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessMultipleLoan PurposeADCSIInstitutionET-001-V01-P01ET-001-V01-P02ProductETCountry2012YearRange Number1Institution Data Version05,00010,00015,00020,00025,00030,000Loan Size (all)0%5%10%15%20%25%Full APR (int fee ins tax dep)> 33,00024,00016,0008,200900Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessLoan PurposeChamroeunInstitutionKH-004-V03-P01KH-004-V03-P02KH-004-V03-P03ProductKHCountry2013YearRange Number3Institution Data Version0500,0001,000,0001,500,0002,000,0002,500,000Loan Size (all)0%20%40%Full APR (int fee ins tax dep)> 17,00013,0008,7004,300400Number of Borrowers
Click to view Price Analysis Tool
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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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