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Please note that the information you are viewing is 153 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Amret Microfinance Institution # 35BA, St.169, Sangkat Veal VongKhan 7 MakaraPhnom Penh, Cambodia855
Data approved: 2013-05-21
Data version: 3
Age of data: 131 months

Institution

IMF Inkingi Head OfficeKigaliPO Box 2977
Data approved: 2011-09-16
Data version: 1
Age of data: 153 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.amret.com.kh
Year established1991
Head of InstitutionChea Phalarin
Regions activeBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Phnom Penh, Sihanoukville, Pursat, Prey VengSiem Reap, Svay Rieng, Takéo
# Branches99

Total Portfolio (nat'l)KHR 662,842,000,000
Total Portfolio (USD)USD 167,808,101.30
Active clients with loans298,926
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsPrasac, Hathakaksekor, Sathapana, Kredit
FundersAdvans, GRET, Proparco, FMO

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addressN/A
Year established2004
Head of InstitutionBernadette Mukamisha
Regions activeBugesera, Gasabo, Gisagara, Huye, KamonyiKayonza, Kicukiro, Kirehe, Muhanga, Nyanza, Nyarugenge
# Branches19

Total Portfolio (nat'l)RWF 1,659,754,210
Total Portfolio (USD)USD 2,593,365.95
Active clients with loans2,648
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliationsAMIR
FundersBNR, AMIR, AQUADEV

Loan Products » Summary

1,677 Borrowers
USD 539,745 Portfolio
Active Product
21,754 Borrowers
USD 10,471,176.46 Portfolio
Active Product
37,836 Borrowers
USD 66,527,509 Portfolio
Active Product
1,473 Borrowers
USD 677,511.77 Portfolio
Active Product
9,803 Borrowers
USD 8,981,274 Portfolio
Active Product
1,913 Borrowers
USD 795,290.11 Portfolio
Active Product
6,640 Borrowers
USD 10,293,531 Portfolio
Active Product
218,411 Borrowers
USD 51,256,708.86 Portfolio
Active Product

Loan Products » Summary

416 Borrowers
USD 176,499.97 Portfolio
Active Product
1,039 Borrowers
USD 1,646,446.42 Portfolio
Active Product
195 Borrowers
USD 410,149.12 Portfolio
Active Product
825 Borrowers
USD 231,209.70 Portfolio
Active Product
119 Borrowers
USD 129,059.98 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Biodigester Loan (USD) USD 150 - 1,000 3 - 24 20% - 40% 20% - 40% Any Purpose Women, Men, Have business, Have home or land, Salaried worker
Business Loan (KHR) KHR 1,000,000 - 40,000,000 3 - 24 60% - 80% 0% - 20% Business Women, Men, Have business, Have home or land
Business Loan (USD) USD 100 - 10,000 3 - 24 60% - 80% 20% - 40% Business Women, Men
Consumption Loan (KHR) KHR 1,000,000 - 20,000,000 3 - 24 60% - 80% 20% - 40% Consumer, Education Women, Men, Have business, Have home or land, Salaried worker
Consumption Loan (USD) USD 100 - 5,000 3 - 24 60% - 80% 20% - 40% Consumer, Education Women, Men, Have business, Have home or land, Salaried worker
Home Improvement Loan (KHR) KHR 1,000,000 - 40,000,000 3 - 36 60% - 80% 20% - 40% Housing Women, Men, Have business, Have home or land, Salaried worker
Home Improvement Loan (USD) USD 100 - 10,000 3 - 36 60% - 80% 20% - 40% Housing Women, Men, Have business, Have home or land, Salaried worker
Solidarity Credit Loan (KHR) KHR 5,000 - 1,000,000 6 - 12 80% - 100% 0% - 20% Any Purpose Women, Men

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture/Elevage Loan RWF 50,000 - 7,500,000 1 - 12 20% - 40% 20% - 40% Business Women, Men Tech Asst Visits, Business Training, Other Training, Epargne-credit
Commerce Loan RWF 1,000,000 - 7,500,000 1 - 12 0% - 20% 60% - 80% Business, Consumer, Other Women, Men
Construction Maison / Rehabilitation Loan RWF 50,000 - 7,500,000 1 - 12 0% - 20% 20% - 40% Housing Women, Men
Credit Divers RWF 10,000 - 7,500,000 1 - 12 0% - 20% 40% - 60% Any Purpose Women, Men
Transport Loan RWF 50,000 - 7,500,000 3 - 12 0% - 20% 20% - 40% Business, Housing Women, Men

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Biodigester Loan (USD) 14.4% annual, Decl Bal 0 Fees 0 Ins None N/A 14.3% - 14.4% 14.3% - 14.4% 100
Business Loan (KHR) 30.0%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 29.9% - 36.7% 29.9% - 36.7% 89
Business Loan (USD) 19.2%-37.2% annual, Decl Bal 0 Fees 0 Ins None N/A 22.6% - 33.1% 22.6% - 33.1% 71
Consumption Loan (KHR) 30.0%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 32% - 38.4% 32% - 38.4% 86
Consumption Loan (USD) 22.8%-37.2% annual, Decl Bal 0 Fees 0 Ins None N/A 21.4% - 36.7% 21.4% - 36.7% 88
Home Improvement Loan (KHR) 30.0%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 29.9% - 38.1% 29.9% - 38.1% 89
Home Improvement Loan (USD) 21.6%-37.2% annual, Decl Bal 0 Fees 0 Ins None N/A 21.5% - 31.9% 21.5% - 31.9% 83
Solidarity Credit Loan (KHR) 36.0%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 32.3% - 35.4% 32.3% - 35.4% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture/Elevage Loan 24.00%-36.00% annual, Flat 2 Fees 0 Ins None 10.00% upfront 11.9% - 88.5% 14.6% - 104.9% 50
Commerce Loan 48.00%-60.00% annual, Flat 2 Fees 0 Ins None 10.00% upfront 86.5% - 105.7% 101.9% - 123.8% 42
Construction Maison / Rehabilitation Loan 24.00%-36.00% annual, Flat 2 Fees 0 Ins None 10.00% upfront 86.2% - 102.2% 101.5% - 119.5% 22
Credit Divers 36.00% annual, Flat 2 Fees 0 Ins None 10.00% upfront 48.6% - 102.4% 53.6% - 102.4% 46
Transport Loan 24.00%-36.00% annual, Flat 2 Fees 0 Ins None 10.00% upfront 84.1% - 89.1% 98.9% - 105.6% 23

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Biodigester Loan (USD) 14.4% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 14.3% - 14.4% 14.3% - 14.4% 100
Business Loan (KHR) 30.0%-42.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 29.9% - 36.7% 29.9% - 36.7% 89
Business Loan (USD) 19.2%-37.2% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 22.6% - 33.1% 22.6% - 33.1% 71
Consumption Loan (KHR) 30.0%-42.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 32% - 38.4% 32% - 38.4% 86
Consumption Loan (USD) 22.8%-37.2% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 21.4% - 36.7% 21.4% - 36.7% 88
Home Improvement Loan (KHR) 30.0%-42.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 29.9% - 38.1% 29.9% - 38.1% 89
Home Improvement Loan (USD) 21.6%-37.2% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 21.5% - 31.9% 21.5% - 31.9% 83
Solidarity Credit Loan (KHR) 36.0%-42.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 32.3% - 35.4% 32.3% - 35.4% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture/Elevage Loan 24.00%-36.00% annual, Flat 2 Fees 0 Ins Ins None 10.00% upfront 11.9% - 88.5% 14.6% - 104.9% 50
Commerce Loan 48.00%-60.00% annual, Flat 2 Fees 0 Ins Ins None 10.00% upfront 86.5% - 105.7% 101.9% - 123.8% 42
Construction Maison / Rehabilitation Loan 24.00%-36.00% annual, Flat 2 Fees 0 Ins Ins None 10.00% upfront 86.2% - 102.2% 101.5% - 119.5% 22
Credit Divers 36.00% annual, Flat 2 Fees 0 Ins Ins None 10.00% upfront 48.6% - 102.4% 53.6% - 102.4% 46
Transport Loan 24.00%-36.00% annual, Flat 2 Fees 0 Ins Ins None 10.00% upfront 84.1% - 89.1% 98.9% - 105.6% 23
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Key Statistics
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Loan Portfolio (USD)
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% Products with one or more insurances
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