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Institution

Chamroeun Microfinance Limited #42D, St. 320, Chamkar Morn DistrictBoeung Keng Kang III CommunePhnom penh, Cambodia
Data approved: 2013-03-26
Data version: 3
Age of data: -   months 

Institution

Katipunan Bank (ZN), Inc Quezon Ave. cor. Aguilar St.MiputakDipolog City, Zamboanga del Norte/Region IX7100
Data approved: 2011-11-15
Data version: 1
Age of data: 152 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.chamroeun.com/
Year established2006
Head of InstitutionSophea Suon
Regions activeBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Kep, Phnom Penh, Pursat, Prey VengSiem Reap, Takéo
# Branches39

Total Portfolio (nat'l)KHR 20,805,474,952
Total Portfolio (USD)USD 5,267,208.85
Active clients with loans42,722
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliationsCMA, BWTP
FundersEntrepreneurs du Monde, Microfinance Solidaire, Grameen Credit Agrole Microfinance Foundation, Chamroeun Staff Association

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addressN/A
Year established1979
Head of InstitutionLeticia G. Loquinario
Regions active
# Branches10

Total Portfolio (nat'l)PhP 824,435,000
Total Portfolio (USD)USD 19,723,325.36
Active clients with loans57,276
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsRural Bankers Association of the Philippines (RBAP), Microenterprise Access to Banking Services (MABS), Zamboanga del Norte Federation of Rural Banks
Funders

Loan Products » Summary

CL
17,575 Borrowers
USD 1,633,500.50 Portfolio
Active Product
DL
14,916 Borrowers
USD 956,185.22 Portfolio
Active Product
EL
10,138 Borrowers
USD 2,596,541.33 Portfolio
Active Product
SEL
5 Borrowers
USD 409.27 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 » Summary

5,719 Borrowers
USD 1,795,761.96 Portfolio
Active Product
36,402 Borrowers
USD 3,529,482.25 Portfolio
Active Product

Loan Products » Conditions

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)

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
ASENSO Loan PHP 10,000 - 150,000 1 - 12 60% - 80% 40% - 60% Business Women, Men, Have business, Specific age group, 18-65 years old Business Training, Other Training, Tie-up with other agencies (DTI, TESDA) for trainings
Proyekto Maasenso PHP 1,000 - 50,000 3 - 6 80% - 100% 40% - 60% Business Women, Have business, Specific age group, 18-65 years old Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, Livelihood, Leadership Training

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
ASENSO Loan 30.0% annual, Flat 2 Fees 2 Ins None 100.00 upfront 10.00% ongoing 66.1% - 74.4% 79.2% - 103.5% 34
Proyekto Maasenso 30.0% annual, Flat 1 Fee 2 Ins None 100.00 upfront 45.00 ongoing 78.9% - 97.7% 92.2% - 179.2% 24

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
ASENSO Loan 30.0% annual, Flat 2 Fees 2 Ins Ins None 100.00 upfront 10.00% ongoing 66.1% - 74.4% 79.2% - 103.5% 34
Proyekto Maasenso 30.0% annual, Flat 1 Fee 2 Ins Ins None 100.00 upfront 45.00 ongoing 78.9% - 97.7% 92.2% - 179.2% 24
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