| 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 | Non Bank Financial Institution |
| Is this institution regulated? | No |
| Website address | http://www.kfinance.co.tz/ |
| Year established | 2008 |
| Head of Institution | Devotha Ntuke Minzi |
| Regions active | Dar es Salaam |
| # Branches | 0 |
| Total Portfolio (nat'l) | TZS 420,040,548 |
| Total Portfolio (USD) | USD 264,176.45 |
| Active clients with loans | 1,081 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | TAMFI, Business Network International |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | TZS 1,000,000 - 30,000,000 | 1 - 12 | 60% - 80% | 80% - 100% | Business, Consumer, Education, Other | Women, Men, Have business, Age limit between 18 to 60 | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Group Loan (Jikw Amue) | TZS 100,000 - 1,100,000 | 6 | 80% - 100% | 20% - 40% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Other Training |
| 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 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 60.00% annual, Flat | 1 Fee | 1 Ins | None | N/A | 97.3% - 102.6% | 99.5% - 106.5% | 58 | ||||||||
| Group Loan (Jikw Amue) | 48.00% annual, Flat | 2 Fees | 1 Ins | None | 20.00% upfront | 93.6% - 116.5% | 147% - 233.9% | 26 |
| 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 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 60.00% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 97.3% - 102.6% | 99.5% - 106.5% | 58 | ||||||||
| Group Loan (Jikw Amue) | 48.00% annual, Flat | 2 Fees | 1 Ins Ins | None | 20.00% upfront | 93.6% - 116.5% | 147% - 233.9% | 26 |
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