| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.chamroeun.com/ |
| Year established | 2006 |
| Head of Institution | Sophea Suon |
| Regions active | Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Kep, Phnom Penh, Pursat, Prey VengSiem Reap, Takéo |
| # Branches | 39 |
| Total Portfolio (nat'l) | KHR 20,805,474,952 |
| Total Portfolio (USD) | USD 5,267,208.85 |
| Active clients with loans | 42,722 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | CMA, BWTP |
| Funders | Entrepreneurs du Monde, Microfinance Solidaire, Grameen Credit Agrole Microfinance Foundation, Chamroeun Staff Association |
| Institution Type | RurBank |
| Is this institution regulated? | Yes |
| Website address | http://www.firstmacrobank.com/ |
| Year established | 1960 |
| Head of Institution | Reggie Ocampo |
| Regions active | |
| # Branches | 8 |
| Total Portfolio (nat'l) | PhP 28,000,000 |
| Total Portfolio (USD) | USD 669,856.46 |
| Active clients with loans | 3,000 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | Rural Bankers Association of the Philippines, People's Credit and Finance Corporation |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Chamroeun Loan | KHR 100,000 - 1,200,000 | 2 - 12 | 80% - 100% | 60% - 80% | Business | Women, Men, Have business, Have home or land | Credit Educ, Tech Asst Visits, Business Training, Other Training, Social training (HIV, human rights), Skills training (cooking, cake making) | |||||||
| Developing Loan | KHR 100,000 - 600,000 | 2 - 10 | 80% - 100% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Tech Asst Visits, Business Training, Other Training, Social training (HIV, human rights), Skills training (cooking, cake making) | |||||||
| Entrepreneurs Loan | KHR 700,000 - 4,000,000 | 2 - 12 | 80% - 100% | 60% - 80% | Business | Women, Men, Have business, Have home or land | Tech Asst Visits, Business Training, Other Training, Social training (HIV, human rights), Skills training (cooking, cake making) |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sikap | PHP 5,000 - 15,000 | 5.8 | 80% - 100% | 40% - 60% | Business | Women, Must have net income of > P2000 per month | Credit Educ, Group Mtgs, Tech Asst Visits, Life insurance | |||||||
| Unlad | PHP 5,000 - 150,000 | 1 - 6 | 80% - 100% | 60% - 80% | Business | Women, Men, Have business | Credit Ins, Tech Asst Visits |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Chamroeun Loan | 42.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 10.00% ongoing | 42.2% - 47.7% | 47.9% - 53.2% | 83 | ||||||||
| Developing Loan | 30.0%-36.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 10.00% ongoing | 41.7% - 42.1% | 44.9% - 45.3% | 66 | ||||||||
| Entrepreneurs Loan | 39.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 10.00% ongoing | 41.1% - 43.2% | 46.3% - 48.1% | 83 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sikap | 30.0% annual, Flat | 1 Fee | 1 Ins | 5.00% loan amt | 5.0% upfront 20.00 ongoing | 68.4% - 70.6% | 113.4% - 134.3% | 24 | ||||||||
| Unlad | 24.0%-36.0% annual, Flat | 2 Fees | 1 Ins | 0.50% loan amt | 10.00% ongoing | 77.5% - 85.5% | 92.7% - 102.3% | 25 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Chamroeun Loan | 42.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 10.00% ongoing | 42.2% - 47.7% | 47.9% - 53.2% | 83 | ||||||||
| Developing Loan | 30.0%-36.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 10.00% ongoing | 41.7% - 42.1% | 44.9% - 45.3% | 66 | ||||||||
| Entrepreneurs Loan | 39.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 10.00% ongoing | 41.1% - 43.2% | 46.3% - 48.1% | 83 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sikap | 30.0% annual, Flat | 1 Fee | 1 Ins Ins | 5.00% loan amt | 5.0% upfront 20.00 ongoing | 68.4% - 70.6% | 113.4% - 134.3% | 24 | ||||||||
| Unlad | 24.0%-36.0% annual, Flat | 2 Fees | 1 Ins Ins | 0.50% loan amt | 10.00% ongoing | 77.5% - 85.5% | 92.7% - 102.3% | 25 |
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