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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

First Allied Savings and Loans Limited Box 5308OTB 662 Asomfo Road, AdumKumasi, Ashanti
Data approved: 2013-07-15
Data version: 1
Age of data: 132 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

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.firstalliedghana.com
Year established1996
Head of InstitutionNana Yaw Oduro
Regions activeGreater Accra Region, Central Region, Western Region, Eastern Region, Ashanti Region, Brong Ahafo Region
# Branches21

Total Portfolio (nat'l)GHS 27,673,204.91
Total Portfolio (USD)USD 14,047,312.14
Active clients with loans13,585
Approximate % female clients40% - 60%
Approximate % urban clients60% - 80%
Network affiliationsGhana Microfinance Institutions Network, Ghana Employers Association, Ghana National Chamber of Commerce and Industry
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 » Summary

3,885 Borrowers
USD 5,006,432.72 Portfolio
Active Product
1,134 Borrowers
USD 4,846,607.27 Portfolio
Active Product
889 Borrowers
USD 304,184.65 Portfolio
Active Product
94 Borrowers
USD 605,463.74 Portfolio
Active Product
239 Borrowers
USD 258,549.42 Portfolio
Active Product
90 Borrowers
USD 158,851.49 Portfolio
Active Product
6,833 Borrowers
USD 2,230,976.56 Portfolio
Active Product
421 Borrowers
USD 636,246.30 Portfolio
Active Product

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 » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Golden Susu Loans GHS 500 - 10,000 3 - 12 40% - 60% 60% - 80% Business Women, Men, Have business Business Training, Other Training
Commercial Loans GHS 1,000 - 300,000 1 - 24 40% - 60% 60% - 80% Business Women, Men, Have business Business Training, Other Training
Salary Loans GHS 200 - 50,000 1 - 36 20% - 40% 60% - 80% Consumer, Education, Other Women, Men, Salaried worker Other Training
Super Golden Susu GHS 10,500 - 50,000 3 - 12 40% - 60% 60% - 80% Business Women, Men, Have business Other Training
Fast Track Susu GHS 2,000 - 10,000 3 - 6 40% - 60% 60% - 80% Business Women, Men, Have business Business Training, Other Training
Travel Loans GHS 2,000 - 10,000 3 - 6 40% - 60% 100% Other Women, Men, Have business, Salaried worker Business Training, Other Training
Distance Banking GHS 1,500 - 10,000 3 - 12 40% - 60% 20% - 40% Business, Agriculture Women, Men, Have business Group Mtgs, Business Training, Other Training
Premium Golden Susu GHS 1,500 - 50,000 3 - 12 40% - 60% 20% - 40% Business, Agriculture Women, Men, Have business 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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Golden Susu Loans 36.0% annual, Flat 1 Fee 0 Ins None 20.0%-25.0% upfront 65.6% - 68.3% 105.1% - 111.1% 33
Commercial Loans 31.0%-41.0% annual, Flat 1 Fee 0 Ins None 5.0%-25.0% upfront 70.6% - 72.2% 91.1% - 116.2% 29
Salary Loans 19.0%-28.0% annual, Flat 1 Fee 0 Ins None N/A 32.8% - 51.1% 32.8% - 51.1% 46
Super Golden Susu 36.0% annual, Flat 1 Fee 0 Ins None 5.0%-25.0% upfront 63.5% - 64.7% 101.5% - 105% 34
Fast Track Susu 36.0% annual, Flat 1 Fee 0 Ins None 20.0%-25.0% upfront 66.7% - 68.3% 107.7% - 111% 32
Travel Loans 44.0%-48.0% annual, Flat 1 Fee 0 Ins None 15.0%-25.0% upfront 49.4% - 53% 57.7% - 61.9% 74
Distance Banking 36.0% annual, Flat 1 Fee 0 Ins None 10.0%-25.0% upfront 67.3% - 68.7% 109.4% - 111.6% 32
Premium Golden Susu 36.0% annual, Flat 1 Fee 0 Ins None 10.0%-25.0% upfront 65.5% - 74.4% 104.9% - 125.8% 32

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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 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 Ins None N/A 36.1% - 37.4% 36.1% - 37.4% 93

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Golden Susu Loans 36.0% annual, Flat 1 Fee 0 Ins Ins None 20.0%-25.0% upfront 65.6% - 68.3% 105.1% - 111.1% 33
Commercial Loans 31.0%-41.0% annual, Flat 1 Fee 0 Ins Ins None 5.0%-25.0% upfront 70.6% - 72.2% 91.1% - 116.2% 29
Salary Loans 19.0%-28.0% annual, Flat 1 Fee 0 Ins Ins None N/A 32.8% - 51.1% 32.8% - 51.1% 46
Super Golden Susu 36.0% annual, Flat 1 Fee 0 Ins Ins None 5.0%-25.0% upfront 63.5% - 64.7% 101.5% - 105% 34
Fast Track Susu 36.0% annual, Flat 1 Fee 0 Ins Ins None 20.0%-25.0% upfront 66.7% - 68.3% 107.7% - 111% 32
Travel Loans 44.0%-48.0% annual, Flat 1 Fee 0 Ins Ins None 15.0%-25.0% upfront 49.4% - 53% 57.7% - 61.9% 74
Distance Banking 36.0% annual, Flat 1 Fee 0 Ins Ins None 10.0%-25.0% upfront 67.3% - 68.7% 109.4% - 111.6% 32
Premium Golden Susu 36.0% annual, Flat 1 Fee 0 Ins Ins None 10.0%-25.0% upfront 65.5% - 74.4% 104.9% - 125.8% 32
Institution Price Graph
Institution Price Graph
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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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