Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | N/A |
Year established | 2002 |
Head of Institution | Ms Wegayehu Asrat |
Regions active | |
# Branches | 5 |
Total Portfolio (nat'l) | ETB 11,960,952 |
Total Portfolio (USD) | USD 650,051.74 |
Active clients with loans | 10,541 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 40% - 60% |
Network affiliations | AEMFI, MAIN |
Funders | CRS, ICCO Terafina |
Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.sathapana.com/ |
Year established | 1995 |
Head of Institution | Dr. Bun Mony |
Regions active | Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh KongKratié, Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo |
# Branches | 88 |
Total Portfolio (nat'l) | KHR 460,081,000,000 |
Total Portfolio (USD) | USD 116,476,202.50 |
Active clients with loans | 66,805 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 20% - 40% |
Network affiliations | Cambodia Microfinance Assosiation (CMA) |
Funders | Maruhan Japan Group, Cambodia Community Building (NGO) |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Endeg Loan (let us grow together) | ETB 1,300 - 6,500 | 3 - 12 | 80% - 100% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs | |||||||
Eshet Loan (A seed in the process of being ripe) | ETB 1,500 - 6,600 | 3 - 12 | 60% - 80% | 0% - 20% | Business, Agriculture | Women, Men | Credit Educ, Group Mtgs | |||||||
Hibret Loan (Union) | ETB 1,200 - 7,200 | 3 - 12 | 60% - 80% | 40% - 60% | Business | Women, Men | Credit Educ, Group Mtgs | |||||||
Qirs Loan (Property) | ETB 1,500 - 7,000 | 12 | 20% - 40% | 40% - 60% | Any Purpose | Women, Men, Salaried worker | Credit Educ, Group Mtgs | |||||||
Siket Loan (Success) | ETB 2,500 - 11,000 | 3 - 12 | 80% - 100% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Balloon & Semi Balloon Loan USD | USD 50 - 25,000 | 1 - 12 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land | ||||||||
Balloon & Semi Balloon Loan KHR | KHR 200,000 - 100,000,000 | 1 - 12 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land | ||||||||
Micro Loan USD | USD 50 - 5,000 | 1 - 30 | 0% - 20% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land | ||||||||
Micro Loan KHR | KHR 200,000 - 20,000,000 | 1 - 30 | 40% - 60% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land | ||||||||
Group Loan KHR | KHR 200,000 - 1,500,000 | 1 - 12 | 80% - 100% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Endeg Loan (let us grow together) | 18.0% annual, Flat | 1 Fee | 0 Ins | None | 8.0% upfront 10.00% ongoing | 37.9% - 38.8% | 45.4% - 47.8% | 38 | ||||||||
Eshet Loan (A seed in the process of being ripe) | 19.2% annual, Flat | 0 Fees | 0 Ins | None | 8.0% upfront 10.00% ongoing | 18.1% - 21.2% | 19.1% - 22.6% | 96 | ||||||||
Hibret Loan (Union) | 18.0% annual, Flat | 0 Fees | 0 Ins | None | 8.0% upfront 10.00% ongoing | 31.6% - 32% | 36.8% - 37.4% | 48 | ||||||||
Qirs Loan (Property) | 14.4% annual, Flat | 1 Fee | 0 Ins | None | 8.0% upfront 10.00% ongoing | 30.8% - 31.8% | 36.5% - 37.8% | 38 | ||||||||
Siket Loan (Success) | 18.0% annual, Flat | 1 Fee | 0 Ins | None | 8.0% upfront 10.00% ongoing | 40% - 45.3% | 48.2% - 55.6% | 35 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Balloon & Semi Balloon Loan USD | 18.0%-30.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 23.2% - 30.4% | 23.2% - 30.4% | 62 | ||||||||
Balloon & Semi Balloon Loan KHR | 24.0%-42.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 30.3% - 36.2% | 30.3% - 36.2% | 74 | ||||||||
Micro Loan USD | 21.6%-42.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 21.9% - 36.4% | 21.9% - 36.4% | 74 | ||||||||
Micro Loan KHR | 27.6%-42.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 30.3% - 33.5% | 30.3% - 33.5% | 89 | ||||||||
Group Loan KHR | 30.0%-42.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 30.3% - 36.4% | 30.3% - 36.4% | 87 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Endeg Loan (let us grow together) | 18.0% annual, Flat | 1 Fee | 0 Ins Ins | None | 8.0% upfront 10.00% ongoing | 37.9% - 38.8% | 45.4% - 47.8% | 38 | ||||||||
Eshet Loan (A seed in the process of being ripe) | 19.2% annual, Flat | 0 Fees | 0 Ins Ins | None | 8.0% upfront 10.00% ongoing | 18.1% - 21.2% | 19.1% - 22.6% | 96 | ||||||||
Hibret Loan (Union) | 18.0% annual, Flat | 0 Fees | 0 Ins Ins | None | 8.0% upfront 10.00% ongoing | 31.6% - 32% | 36.8% - 37.4% | 48 | ||||||||
Qirs Loan (Property) | 14.4% annual, Flat | 1 Fee | 0 Ins Ins | None | 8.0% upfront 10.00% ongoing | 30.8% - 31.8% | 36.5% - 37.8% | 38 | ||||||||
Siket Loan (Success) | 18.0% annual, Flat | 1 Fee | 0 Ins Ins | None | 8.0% upfront 10.00% ongoing | 40% - 45.3% | 48.2% - 55.6% | 35 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Balloon & Semi Balloon Loan USD | 18.0%-30.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 23.2% - 30.4% | 23.2% - 30.4% | 62 | ||||||||
Balloon & Semi Balloon Loan KHR | 24.0%-42.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 30.3% - 36.2% | 30.3% - 36.2% | 74 | ||||||||
Micro Loan USD | 21.6%-42.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 21.9% - 36.4% | 21.9% - 36.4% | 74 | ||||||||
Micro Loan KHR | 27.6%-42.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 30.3% - 33.5% | 30.3% - 33.5% | 89 | ||||||||
Group Loan KHR | 30.0%-42.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 30.3% - 36.4% | 30.3% - 36.4% | 87 |
Key Statistics | |
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# Products | |
# Institutions | |
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Loan Portfolio (USD) | |
% Products using declining balance | |
% Products with one or more fee | |
% Products with one or more insurances | |
% Products with compulsory deposits |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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