AMK - Angkor microheranhvatho (Kampuchea) - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 133 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 135 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

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

Opportunity Kenya Limited Geomaps Center, 1st Floor, Matumbato Road, Upper HillP.O. Box 19497Nairobi

Data approved: 2013-05-31

Data version: 2

Age of data: 135 months

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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

Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	No
Website address	http://opportunity.net/kenya/
Year established	2006
Head of Institution	Lydia Njoroge
Regions active	Nairobi, Nyanza, Rift Valley, Western
# Branches	11

Total Portfolio (nat'l)	KES 402,920,910
Total Portfolio (USD)	USD 4,866,194.57
Active clients with loans	9,122
Approximate % female clients	40% - 60%
Approximate % urban clients	60% - 80%
Network affiliations	Opportunity International, AMFI
Funders	Opportunity International USA, Wedco Enterprises Limited

Loan Products » Summary

Credit Line

39,631 Borrowers

USD 7,298,481.52 Portfolio

Active Product

Credit Line

5,933 Borrowers

USD 1,296,044.12 Portfolio

Active Product

Emergency

2,394 Borrowers

USD 201,826.25 Portfolio

Active Product

Emergency

69 Borrowers

USD 7,432.38 Portfolio

Active Product

End of Term

127,291 Borrowers

USD 18,064,341.83 Portfolio

Active Product

End of Term

3,158 Borrowers

USD 554,423.14 Portfolio

Active Product

Individual

15,534 Borrowers

USD 4,499,502.07 Portfolio

Active Product

Inst ID

226 Borrowers

USD 80,184.73 Portfolio

Active Product

Inst VB

860 Borrowers

USD 135,026.78 Portfolio

Active Product

Inst ID

1,180 Borrowers

USD 1,142,170 Portfolio

Active Product

Inst VB

63,785 Borrowers

USD 7,565,552.31 Portfolio

Active Product

Seasonal

1,239 Borrowers

USD 978,771.51 Portfolio

Active Product

Seasonal

64 Borrowers

USD 77,987.28 Portfolio

Active Product

Seasonal

112 Borrowers

USD 132,620 Portfolio

Active Product

Urban Poor

607 Borrowers

USD 93,321.36 Portfolio

Active Product

Urban Poor

648 Borrowers

USD 113,922 Portfolio

Active Product

Loan Products » Summary

Msingi

8,350 Borrowers

USD 4,275,644.64 Portfolio

Active Product

Nguzo

219 Borrowers

USD 192,861.27 Portfolio

Active Product

Somesha

368 Borrowers

USD 107,971.27 Portfolio

Active Product

Asset

165 Borrowers

USD 160,931.62 Portfolio

Active Product

Individual

20 Borrowers

USD 128,785.77 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
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 » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Msingi Loan	KES 10,000 - 500,000	6 - 36	40% - 60%	60% - 80%	Business	Women, Men, Have business, Must have run a business for at least 12 months	Credit Educ, Group Mtgs, Credit Ins, Other Training, Fire/Burglary Insurance
Nguzo Loan	KES 50,000 - 500,000	6 - 36	40% - 60%	60% - 80%	Business	Women, Men, Have business, Must have run a business for at least 24 months	Credit Educ, Group Mtgs, Credit Ins, Other Training, Fire/Burglary Insurance
Somesha (Education) Loan	KES 5,000 - 100,000	3 - 12	40% - 60%	60% - 80%	Education	Women, Men, Must be attending an educational institution or have a dependent attending	Credit Educ, Group Mtgs, Credit Ins, Other Training, Fire/Burglary Insurance
Asset Loan	KES 5,000 - 2,000,000	6 - 36	20% - 40%	60% - 80%	Business	Women, Men, Have business	Credit Educ, Group Mtgs, Credit Ins, Other Training

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
Msingi Loan	22.0% annual, Flat	2 Fees	1 Ins	None	20.0% upfront 100.00 ongoing	41.8% - 59.8%	64.2% - 135%	26
Nguzo Loan	22.0% annual, Flat	2 Fees	1 Ins	None	25.0% upfront 200.00 ongoing	39.9% - 49.3%	67.5% - 112.5%	27
Somesha (Education) Loan	16.0% annual, Flat	1 Fee	1 Ins	None	10.0% upfront	34% - 44%	45.6% - 59.7%	33
Asset Loan	22.0% annual, Flat	2 Fees	1 Ins	None	15.0% upfront	42.7% - 46.9%	61% - 71.9%	34

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

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Msingi Loan	22.0% annual, Flat	2 Fees	1 Ins Ins	None	20.0% upfront 100.00 ongoing	41.8% - 59.8%	64.2% - 135%	26
Nguzo Loan	22.0% annual, Flat	2 Fees	1 Ins Ins	None	25.0% upfront 200.00 ongoing	39.9% - 49.3%	67.5% - 112.5%	27
Somesha (Education) Loan	16.0% annual, Flat	1 Fee	1 Ins Ins	None	10.0% upfront	34% - 44%	45.6% - 59.7%	33
Asset Loan	22.0% annual, Flat	2 Fees	1 Ins Ins	None	15.0% upfront	42.7% - 46.9%	61% - 71.9%	34

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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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