2. AMOS
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  2. HKL
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

Association de Microfinance Oued Srou 2,Rue Oued SbouQuartier Ettakadoum Elkbab CentreKhénifra, Région Mèknès Tafilalet
Data approved: 2013-05-13
Data version: 1
Age of data: 139 months

Institution

Hattha Kaksekar Limited No 606, st 271, Sangkat Phsar Deum Thkouv, Chamcarmon, Phnom PenhNo 19GH, St 271 Sangkat Beung Salang, Phnom PenhPhnom Penh, Cambodia855
Data approved: 2011-02-02
Data version: 2
Age of data: -   months 
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://Néant
Year established2000
Head of InstitutionMohamed OUMAYCHA
Regions activeBeni Mellal-Khenifra, Drâa-Tafilalt
# Branches15

Total Portfolio (nat'l)MAD 6,092,844
Total Portfolio (USD)USD 716,805.18
Active clients with loans2,720
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliationsRéseau de la Microfinance solidaire au Maroc (RMS)
FundersAMSED, Fonds Hassan II, USAID, Fondation Mohamed V

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.hkl.com.kh/
Year established1994
Head of InstitutionHout Ieng Tong
Regions active0
# Branches75

Total Portfolio (nat'l)KHR 41,569,985.26
Total Portfolio (USD)USD 10,392.50
Active clients with loans47,287
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliations
Funders

Loan Products » Summary

Solidaire
1,774 Borrowers
USD 297,253.76 Portfolio
Active Product
Individuel
946 Borrowers
USD 419,551.41 Portfolio
Active Product

Loan Products » Summary

Large Loans
179 Borrowers
USD 2,264,750.79 Portfolio
Active Product
Medium
5,315 Borrowers
USD 14,235,223.83 Portfolio
Active Product
Micro
28,189 Borrowers
USD 8,981,843.58 Portfolio
Active Product
Small
13,214 Borrowers
USD 14,541,633.48 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Produit Solidaire MAD 1,000 - 5,000 4 - 12 0% 0% - 20% Business, Agriculture Women, Have business
Produit Individuel MAD 1,500 - 50,000 4 - 36 40% - 60% 0% - 20% Business, Agriculture Women, Men, Have business

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Large Loans USD 10,001 - 30,000 3 - 36 80% - 100% 60% - 80% Business, Housing, Consumer, Education, Other Have business
Medium Loans USD 2,501 - 10,000 3 - 36 60% - 80% 60% - 80% Business, Housing, Consumer, Education, Other Have business
Micro Loans USD 50 - 1,000 3 - 15 80% - 100% 20% - 40% Business, Housing, Consumer, Education, Other Have business
Small Loans USD 1,001 - 2,500 3 - 24 60% - 80% 20% - 40% Business, Housing, Consumer, Education, Other Have business

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Produit Solidaire 21.6% annual, Flat 1 Fee 0 Ins None 1.00%-1.50% ongoing 37.7% - 40.1% 43% - 44.5% 49
Produit Individuel 18.0%-20.4% annual, Flat 1 Fee 0 Ins None N/A 31.8% - 37.5% 31.8% - 37.5% 51

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Large Loans 19.2% annual, Decl Bal 0 Fees 0 Ins None 10.00 upfront 10.00 ongoing 19.4% 19.5% - 19.8% 97
Medium Loans 23.4%-30.0% annual, Decl Bal 0 Fees 0 Ins None 5.00 upfront 5.00 ongoing 23.7% 24.4% - 24.6% 95
Micro Loans 34.8%-42.0% annual, Decl Bal 0 Fees 0 Ins None 1.00 upfront 1.00 ongoing 35.1% - 35.2% 35.9% - 42.8% 91
Small Loans 27.6%-33.6% annual, Decl Bal 0 Fees 0 Ins None 3.00 upfront 3.00 ongoing 27.9% 28.6% - 29.1% 96

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Produit Solidaire 21.6% annual, Flat 1 Fee 0 Ins Ins None 1.00%-1.50% ongoing 37.7% - 40.1% 43% - 44.5% 49
Produit Individuel 18.0%-20.4% annual, Flat 1 Fee 0 Ins Ins None N/A 31.8% - 37.5% 31.8% - 37.5% 51

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Large Loans 19.2% annual, Decl Bal 0 Fees 0 Ins Ins None 10.00 upfront 10.00 ongoing 19.4% 19.5% - 19.8% 97
Medium Loans 23.4%-30.0% annual, Decl Bal 0 Fees 0 Ins Ins None 5.00 upfront 5.00 ongoing 23.7% 24.4% - 24.6% 95
Micro Loans 34.8%-42.0% annual, Decl Bal 0 Fees 0 Ins Ins None 1.00 upfront 1.00 ongoing 35.1% - 35.2% 35.9% - 42.8% 91
Small Loans 27.6%-33.6% annual, Decl Bal 0 Fees 0 Ins Ins None 3.00 upfront 3.00 ongoing 27.9% 28.6% - 29.1% 96
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeMultipleLoan PurposeAMOSInstitutionMA-004-V01-P01MA-004-V01-P02ProductMACountry2013YearRange Number1Institution Data Version05,00010,00015,00020,00025,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 1,7001,30080040040Number of Borrowers
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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeBusinessLoan PurposeHKLInstitutionKH-008-V02-P01KH-008-V02-P02KH-008-V02-P03KH-008-V02-P04ProductKHCountry2011YearRange Number2Institution Data Version05,00010,00015,00020,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 8,4006,3004,2002,100200Number 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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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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