Institution: Microfinance Institution "Amret"

Cambodia

Institution	Microfinance Institution "Amret"
Country	Cambodia
Purpose	Housing

Typical Initial Loan Amount	Number of Clients	Typical Term	Quoted Rate	Fees	Taxes	APR	EIR	Number of Samples	Date Collected
400,000-40,000,000	1,909	- months	2.50-3.50 % / Year			33.2% - 44.0%	38.8% - 54.1%	6	2009-10-22

APR 33.2% - 44.0%

EIR 38.8% - 54.1%

Country Cambodia

Name of loan product Home Improvement Loan

Currency Riel

Gross Outstanding Portfolio 2894913800.00

Number of Clients 1909

Percent Female 61-80%

Percent Urban 0-20%

Minimum Loan Size 400000.00

Maximum Loan Size 40000000.00

Initial Average Amount

Shortest Loan Term allowed

Longest Loan Term allowed

Approximate Avg Loan Term

Grace Period: Principal (Avg) 1.00

Grace Period: Principal (Min)

Grace Period: Principal (Max)

Grace Period: Interest (Avg)

Grace Period: Interest (Min)

Grace Period: Interest (Max)

Lowest Quoted Nominal Interest Rate 2.50

Highest Quoted Nominal Interest Rate 3.50

Quoted Interest Rate Period Year

Interest Rate Method Declining Balance

Other Rate Difference Reason

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Amount	Term (months)	Repayment Frequency	Loan Cycle	Sample Disbursement Date	APR	EIR	Payment Schedule
600,000	12	6	2	2009-07-23	39.4%	47.4%	View Payment Schedule
1,000,000	10	6	1	2009-07-08	44.0%	54.1%	View Payment Schedule
2,000,000	12	6	3	2009-07-18	39.2%	47.1%	View Payment Schedule
4,000,000	18	6	2	2009-07-22	36.2%	42.9%	View Payment Schedule
6,000,000	18	6	1	2009-07-07	33.2%	38.8%	View Payment Schedule
11,000,000	24	6	2	2009-07-03	36.9%	43.9%	View Payment Schedule