Meklit MFI - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 162 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 144 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Meklit MFI Ayer TenaAddis AbabaPO Box 27634

Data approved: 2011-12-23

Data version: 1

Age of data: 162 months

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Institution

AMK - Angkor microheranhvatho (Kampuchea) # 442, St. 193, Toul Svayprey 1ChamkarmornPhnom Penh, Cambodia855

Data approved: 2011-09-30

Data version: 3

Age of data: - months

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Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	N/A
Year established	2000
Head of Institution	Teshome Yiheyis
Regions active
# Branches	21

Total Portfolio (nat'l)	ETB 25,963,550
Total Portfolio (USD)	USD 1,411,062.50
Active clients with loans	12,300
Approximate % female clients	40% - 60%
Approximate % urban clients	0% - 20%
Network affiliations	AEMFI
Funders	Development Bank of Ethiopia RUFIP, EU

Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://www.amkcambodia.com/
Year established	2003
Head of Institution	Pete Power
Regions active	0
# Branches	86

Total Portfolio (nat'l)	KHR 166,196,000,000
Total Portfolio (USD)	USD 42,472,783.03
Active clients with loans	262,731
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations	CMA, SPTF
Funders	Agora, Concern

Loan Products » Summary

Agriculture

9,307 Borrowers

USD 778,073.39 Portfolio

Business Grp

1,500 Borrowers

USD 244,565.22 Portfolio

Business Idv

616 Borrowers

USD 234,347.83 Portfolio

Consumption

850 Borrowers

USD 138,586.96 Portfolio

Loan Products » Summary

Credit Line

39,631 Borrowers

USD 7,298,481.52 Portfolio

Credit Line

5,933 Borrowers

USD 1,296,044.12 Portfolio

Emergency

2,394 Borrowers

USD 201,826.25 Portfolio

Emergency

69 Borrowers

USD 7,432.38 Portfolio

End of Term

127,291 Borrowers

USD 18,064,341.83 Portfolio

End of Term

3,158 Borrowers

USD 554,423.14 Portfolio

Individual

15,534 Borrowers

USD 4,499,502.07 Portfolio

Inst ID

226 Borrowers

USD 80,184.73 Portfolio

Inst VB

860 Borrowers

USD 135,026.78 Portfolio

Inst ID

1,180 Borrowers

USD 1,142,170 Portfolio

Inst VB

63,785 Borrowers

USD 7,565,552.31 Portfolio

Seasonal

1,239 Borrowers

USD 978,771.51 Portfolio

Seasonal

64 Borrowers

USD 77,987.28 Portfolio

Seasonal

112 Borrowers

USD 132,620 Portfolio

Urban Poor

607 Borrowers

USD 93,321.36 Portfolio

Urban Poor

648 Borrowers

USD 113,922 Portfolio

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Agriculture Loan	ETB 3,000 - 9,000	8 - 12	40% - 60%	0% - 20%	Business, Agriculture	Women, Men	Credit Educ, Group Mtgs, Credit Ins
Business Loan - Group	ETB 1,000 - 18,000	12 - 24	40% - 60%	60% - 80%	Business	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins
Business Loan - Individual	ETB 8,000 - 50,000	12 - 24	20% - 40%	60% - 80%	Business	Women, Men, Have business	Credit Educ, Credit Ins
Individual (Consumption) Loan	ETB 10,000 - 50,000	12 - 24	40% - 60%	60% - 80%	Any Purpose	Women, Men, Salaried worker	Credit Educ, Credit Ins

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Credit Line (KHR)	KHR 50,000 - 1,000,000	3 - 24	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Other Training
Credit Line (THB)	THB 500 - 10,000	1 - 24	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Emergency Loan (KHR)	KHR 10,000 - 400,000	1 - 10	80% - 100%	0% - 20%	Other	Women, Men, Have home or land, Specific age group	Other Training
Emergency Loan (THB)	THB 500 - 4,000	1 - 10	80% - 100%	0% - 20%	Other	Women, Men, Have home or land	Credit Educ, Group Mtgs, Credit Ins
End of Term Loan (KHR)	KHR 10,000 - 1,000,000	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Group Mtgs, Other Training
End of Term Loan (THB)	THB 500 - 10,000	1 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
individual Inst ID (KHR)	KHR 400,000 - 8,000,000	3 - 18	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Other Training
Inst ID (THB)	THB 5,000 - 80,000	3 - 18	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ
Inst VB (THB)	THB 500 - 10,000	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Inst-ID USD	USD 500 - 2,000	3 - 18	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Other Training
Inst-VB (KHR)	KHR 10,000 - 1,000,000	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Group Mtgs, Other Training
Seasonal Loan (KHR)	KHR 500,000 - 6,000,000	3 - 12	80% - 100%	0% - 20%	Any Purpose, For seasonal purpose only	Women, Men, Have business, Have home or land, Must have regular income for eligible monthly interest payment	Credit Educ, Group Mtgs
Seasonal Loan (THB)	THB 5,000 - 60,000	3 - 12	80% - 100%	0% - 20%	Any Purpose, Seasonal purpose only	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Seasonal Loan (USD)	USD 100 - 1,500	3 - 12	80% - 100%	0% - 20%	Any Purpose, Seasonal loan requirement only	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Easy Loan (KHR)	KHR 10,000 - 1,000,000	1 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Salaried worker, Specific age group	Credit Educ, Other Training
Easy Loan (USD)	USD 50 - 250	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Specific age group	Credit Educ, Other Training

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agriculture Loan	20.0% annual, Flat	1 Fee	1 Ins	None	5.0%-15.0% upfront 5.00%-15.00% ongoing	38.7% - 39.1%	46.4% - 51.1%	41
Business Loan - Group	20.0% annual, Flat	1 Fee	1 Ins	None	5.0%-15.0% upfront 5.00%-15.00% ongoing	35.7% - 45.6%	43.2% - 56%	39
Business Loan - Individual	22.0% annual, Flat	1 Fee	1 Ins	None	5.0%-15.0% upfront 5.00%-15.00% ongoing	38.1% - 40%	43.6% - 46.6%	49
Individual (Consumption) Loan	16.0%-20.0% annual, Flat	1 Fee	1 Ins	None	5.0%-15.0% upfront 5.00%-15.00% ongoing	29% - 41.9%	33.6% - 50%	40

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Credit Line (KHR)	36.0% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A
Credit Line (THB)	33.6% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A
Emergency Loan (KHR)	30.0% annual, Decl Bal	0 Fees	None	N/A	0%	0%	N/A
Emergency Loan (THB)	30.0% annual, Decl Bal	0 Fees	None	N/A	0%	0%	N/A
End of Term Loan (KHR)	36.0% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A
End of Term Loan (THB)	33.6% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A
individual Inst ID (KHR)	27.6%-36.0% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A
Inst ID (THB)	27.6%-33.6% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A
Inst VB (THB)	31.2% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A
Inst-ID USD	26.4%-31.2% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A
Inst-VB (KHR)	33.6% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A
Seasonal Loan (KHR)	31.2%-36.0% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A
Seasonal Loan (THB)	31.2%-36.0% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A
Seasonal Loan (USD)	28.8%-32.4% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A
Easy Loan (KHR)	30.0%-36.0% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A
Easy Loan (USD)	27.6%-33.6% annual, Decl Bal	1 Fee	None	N/A	0%	0%	N/A

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agriculture Loan	20.0% annual, Flat	1 Fee	1 Ins Ins	None	5.0%-15.0% upfront 5.00%-15.00% ongoing	38.7% - 39.1%	46.4% - 51.1%	41
Business Loan - Group	20.0% annual, Flat	1 Fee	1 Ins Ins	None	5.0%-15.0% upfront 5.00%-15.00% ongoing	35.7% - 45.6%	43.2% - 56%	39
Business Loan - Individual	22.0% annual, Flat	1 Fee	1 Ins Ins	None	5.0%-15.0% upfront 5.00%-15.00% ongoing	38.1% - 40%	43.6% - 46.6%	49
Individual (Consumption) Loan	16.0%-20.0% annual, Flat	1 Fee	1 Ins Ins	None	5.0%-15.0% upfront 5.00%-15.00% ongoing	29% - 41.9%	33.6% - 50%	40

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Credit Line (KHR)	36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	0%	0%	N/A
Credit Line (THB)	33.6% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	0%	0%	N/A
Emergency Loan (KHR)	30.0% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	0%	0%	N/A
Emergency Loan (THB)	30.0% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	0%	0%	N/A
End of Term Loan (KHR)	36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	0%	0%	N/A
End of Term Loan (THB)	33.6% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	0%	0%	N/A
individual Inst ID (KHR)	27.6%-36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	0%	0%	N/A
Inst ID (THB)	27.6%-33.6% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	0%	0%	N/A
Inst VB (THB)	31.2% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	0%	0%	N/A
Inst-ID USD	26.4%-31.2% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	0%	0%	N/A
Inst-VB (KHR)	33.6% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	0%	0%	N/A
Seasonal Loan (KHR)	31.2%-36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	0%	0%	N/A
Seasonal Loan (THB)	31.2%-36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	0%	0%	N/A
Seasonal Loan (USD)	28.8%-32.4% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	0%	0%	N/A
Easy Loan (KHR)	30.0%-36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	0%	0%	N/A
Easy Loan (USD)	27.6%-33.6% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	0%	0%	N/A

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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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Total Borrrowers of Samples


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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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