Please note that the information you are viewing is 131 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

VisionFund Cambodia #20, St. 71, Boeung Keng Kang 3 CommuneChamkar Morn DistrictPhnom Penh479
Data approved: 2011-02-21
Data version: 2
Age of data: -   months 

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://visionfund.com.kh/
Year established2003
Head of InstitutionChee Chin Hoe
Regions activePhnom Penh
# Branches69

Total Portfolio (nat'l)KHR 123,204,000,000
Total Portfolio (USD)USD 31,485,816.51
Active clients with loans109,402
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsVisionFund International, Banking With the Poor Network, Cambodia Microfinance Association
Funders

Loan Products » Summary

10,894 Borrowers
USD 1,881,213.64 Portfolio
Active Product
60,399 Borrowers
USD 9,617,044.77 Portfolio
Active Product
3,164 Borrowers
USD 5,720,387.15 Portfolio
Active Product
2,296 Borrowers
USD 1,131,084.02 Portfolio
Active Product
2,878 Borrowers
USD 1,102,586.76 Portfolio
Active Product
65 Borrowers
USD 123,773 Portfolio
Active Product
135 Borrowers
USD 74,450 Portfolio
Active Product
12,210 Borrowers
USD 1,350,091.90 Portfolio
Active Product
4,056 Borrowers
USD 6,344,052.07 Portfolio
Active Product
3,029 Borrowers
USD 1,211,364.27 Portfolio
Active Product
1,015 Borrowers
USD 309,842.54 Portfolio
Active Product
0 Borrowers
Portfolio
Low Volume Product
0 Borrowers
Portfolio
Low Volume Product
15 Borrowers
USD 5,932.12 Portfolio
Low Volume Product
3 Borrowers
USD 281.11 Portfolio
Low Volume Product
0 Borrowers
USD 1,138,496.62 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
Agricultural Loan - Community Bank - USD USD 20 - 350 3 - 12 80% - 100% 0% - 20% Business Women, Men, Have home or land, Specific age group Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Agricultural Loan - Community Bank - KHR KHR 80,000 - 1,400,000 3 - 12 80% - 100% 0% - 20% Business Women, Men, Have home or land, Specific age group Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Agricultural Loan - Individual - USD USD 1,001 - 10,000 3 - 24 80% - 100% 0% - 20% Business Women, Men, Have home or land, Specific age group Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Agricultural Loan - Solidarity Group - USD USD 251 - 1,000 3 - 18 80% - 100% 0% - 20% Business Women, Men, Have home or land, Specific age group Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Agricultural Loan - Solidarity Group - KHR KHR 1,000,100 - 4,000,000 3 - 18 80% - 100% 0% - 20% Business Women, Men, Have home or land, Specific age group Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Non-Business Loan - Individual - USD USD 1,001 - 10,000 3 - 24 80% - 100% 0% - 20% Consumer Women, Men, Have business, Have home or land, Salaried worker, Specific age group Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Non-Business Loan - Solidarity Group - USD USD 251 - 1,000 3 - 18 80% - 100% 0% - 20% Consumer Women, Men, Have business, Have home or land, Salaried worker, Specific age group Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Small Business Loan - Community Bank - KHR KHR 80,000 - 1,400,000 3 - 12 80% - 100% 0% - 20% Business Women, Men, Have home or land, Specific age group Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Small Business Loan - Individual - USD USD 1,001 - 10,000 3 - 24 80% - 100% 0% - 20% Business Women, Men, Have home or land, Specific age group Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Small Business Loan - Solidarity Group - USD USD 251 - 1,000 3 - 18 80% - 100% 0% - 20% Business Women, Men, Have home or land, Specific age group Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Small Business Loan - Solidarity Group - KHR KHR 1,000,100 - 4,000,000 3 - 18 80% - 100% 0% - 20% Business Women, Men, Have home or land, Specific age group Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Non-Business Loan - Community Bank - KHR KHR 80,000 - 1,400,000 3 - 12 0% 0% Consumer Women, Men, Have business, Have home or land, Salaried worker, Specific age group Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Asset Creation Loan - Community Bank - USD USD 20 - 350 3 - 12 0% 0% Consumer Women, Men, Have business, Have home or land, Salaried worker, Specific age group Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Non-Business Loan - Solidarity Group - KHR KHR 1,000,100 - 4,000,000 3 - 18 80% - 100% 0% - 20% Consumer Women, Men, Have business, Have home or land, Salaried worker, Specific age group Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Express Loan - Community Bank - KHR KHR 80,000 - 1,000,000 3 - 6 80% - 100% 0% - 20% Other Women, Men, Have business, Have home or land, Salaried worker, Specific age group Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Small Business Loan - Community Bank - USD USD 20 - 350 3 - 12 0% 0% Business Women, Men, Have home or land, Specific age group Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan - Community Bank - USD 34.2%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 34.5% - 35.8% 34.5% - 35.8% 97
Agricultural Loan - Community Bank - KHR 36.0%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 36% - 36.1% 36% - 36.1% 99
Agricultural Loan - Individual - USD 21.6%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 22.8% - 32.5% 22.8% - 32.5% 85
Agricultural Loan - Solidarity Group - USD 33.6%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 36.2% - 36.6% 36.2% - 36.6% 92
Agricultural Loan - Solidarity Group - KHR 35.4%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 35.2% - 35.5% 35.3% - 35.5% 100
Non-Business Loan - Individual - USD 21.6%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 22.8% - 32.5% 22.8% - 32.5% 85
Non-Business Loan - Solidarity Group - USD 33.6%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 33.7% - 36.3% 33.7% - 36.3% 97
Small Business Loan - Community Bank - KHR 36.0%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 35.8% - 36.1% 35.8% - 36.1% 100
Small Business Loan - Individual - USD 21.6%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 22.9% - 31.4% 22.9% - 31.4% 86
Small Business Loan - Solidarity Group - USD 33.6%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 29.9% - 34.1% 29.9% - 34.1% 100
Small Business Loan - Solidarity Group - KHR 35.4%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 35.3% - 35.7% 35.3% - 35.7% 100
Non-Business Loan - Community Bank - KHR 36.0%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 35.8% - 36.1% 35.8% - 36.1% 100
Asset Creation Loan - Community Bank - USD 34.2%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 34.9% - 36.5% 34.9% - 36.5% 95
Non-Business Loan - Solidarity Group - KHR 35.4%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 35.2% - 35.5% 35.3% - 35.5% 100
Express Loan - Community Bank - KHR 31.2% annual, Decl Bal 0 Fees 0 Ins None N/A 31.5% 31.5% 98
Small Business Loan - Community Bank - USD 34.2%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 36.1% - 37.4% 36.1% - 37.4% 93
Institution Price Graph
Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Calvary Enterprise Development Foundation Head OfficeMamprobi, Accra, Greater AccraP.O. Box MP 2468
Data approved: 2013-03-18
Data version: 2
Age of data: 132 months

Product

Apprenticeship Start-up Credit Program Product 2 of 4 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 15,000
Portfolio (USD)USD 7,614.21
Active Clients with Loans50
Approximate % Female Clients80% - 100%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This is a youth program. The facility is for apprentices who have successfully conpleted training and want to start their own businesses.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherStart-up businesses
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age groupx
OtherMust be in youth age group
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution3
# Regions for this product1
Regions ActiveGreater Accra Region

Loan Conditions

Loan Amount
CurrencyGHS
Minimum loan sizeGHS 500
Maximum loan size1,000
Distribution at Disbursement (Est.)
Loans less than GHS 1,000100%
GHS 1,000-5,0000
GHS 5,000-7,5000
GHS 7,500-10,0000
GHS 10,000-13,0000
Greater than GHS 13,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months60%
Between 7 and 9 months40%
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period1.0 month
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest48.00%
Highest quoted nominal interest54.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Loan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Apprenticeship Start-up Credit Program samples
Sample 1Sample 2Sample 3
Loan AmountGHS 700GHS 800GHS 900
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2012-12-152012-12-202012-12-15
Loan Term (Months)7.0 months7.0 months7.0 months
Grace Period (Months)0.8 months0.9 months1.1 months
Total Cost of CreditGHS 100.13GHS 113.42GHS 131.64
True Price by Comp     
Interest price component40.6%41.9%40.5%
Fee Component0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)40.6%41.9%40.5%
Transparency Index100100100
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Apprenticeship Start-up Credit Program Price Graphs


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# Countries
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% Products with one or more insurances
% Products with compulsory deposits
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