VisionFund Cambodia - MFTransparency.org Truth In Lending Tables

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

Please note that the information you are viewing is 137 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

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Institution

UGAFODE Microfinance Limited (MDI) Plot 62, Bombo RdKampala, Uganda

Data approved: 2012-11-14

Data version: 2

Age of data: 137 months

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Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://visionfund.com.kh/
Year established	2003
Head of Institution	Chee Chin Hoe
Regions active	Phnom Penh
# Branches	69

Total Portfolio (nat'l)	KHR 123,204,000,000
Total Portfolio (USD)	USD 31,485,816.51
Active clients with loans	109,402
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations	VisionFund International, Banking With the Poor Network, Cambodia Microfinance Association
Funders

Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	Yes
Website address	http://www.ugafode.co.ug/
Year established	1995
Head of Institution	Twamuhabwa Wilson
Regions active	Central, Western
# Branches	12

Total Portfolio (nat'l)	UGX 11,801,115,327
Total Portfolio (USD)	USD 4,720,446.13
Active clients with loans	8,197
Approximate % female clients	20% - 40%
Approximate % urban clients	0% - 20%
Network affiliations	AMFIU
Funders	Oikocredit, Microfinance Support Centre, Access Africa Fund, Agribusiness Trust

Loan Products » Summary

Agri CB USD

10,894 Borrowers

USD 1,881,213.64 Portfolio

Active Product

Agri CB KHR

60,399 Borrowers

USD 9,617,044.77 Portfolio

Active Product

Agri Idv USD

3,164 Borrowers

USD 5,720,387.15 Portfolio

Active Product

Agri SG USD

2,296 Borrowers

USD 1,131,084.02 Portfolio

Active Product

Agri SG KHR

2,878 Borrowers

USD 1,102,586.76 Portfolio

Active Product

AssetIdv USD

65 Borrowers

USD 123,773 Portfolio

Active Product

Asset SG USD

135 Borrowers

USD 74,450 Portfolio

Active Product

SBL CB USD

12,210 Borrowers

USD 1,350,091.90 Portfolio

Active Product

SBL CB KHR

4,056 Borrowers

USD 6,344,052.07 Portfolio

Active Product

SBL Idv USD

3,029 Borrowers

USD 1,211,364.27 Portfolio

Active Product

SBL SG USD

1,015 Borrowers

USD 309,842.54 Portfolio

Active Product

Asset CB KHR

0 Borrowers

Portfolio

Low Volume Product

Asset CB USD

0 Borrowers

Portfolio

Low Volume Product

Asset SG KRH

15 Borrowers

USD 5,932.12 Portfolio

Low Volume Product

Exp CB KHR

3 Borrowers

USD 281.11 Portfolio

Low Volume Product

Exp CB USD

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

Agric Ln

1,452 Borrowers

USD 809,842 Portfolio

Active Product

Asset Acq

358 Borrowers

USD 308,906 Portfolio

Active Product

Flex Housing

274 Borrowers

USD 148,296 Portfolio

Active Product

McroBus. Idv

2,929 Borrowers

USD 1,264,046 Portfolio

Active Product

Mcro Mrtg

202 Borrowers

USD 311,664 Portfolio

Active Product

SME Ln

205 Borrowers

USD 1,004,977 Portfolio

Active Product

Smll Bsns

158 Borrowers

USD 309,496 Portfolio

Active Product

School Fees

126 Borrowers

USD 38,589 Portfolio

Active Product

McroBus. Grp

2,360 Borrowers

USD 340,558 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
Agricultural Loan	UGX 100,000 - 23,000,000	3 - 36	0% - 20%	0% - 20%	Business, Other, Agricultural production, marketing, processing, trading, cattle trading, poultry, etc.	Women, Men, Have business, Specific age group, Collateral like land, motor vehicle, cattle required	Credit Ins
Asset Acquisition Loan	UGX 100,000 - 10,000,000	3 - 36	0% - 20%	40% - 60%	Consumer, Other, Acquire Business or Personal Assets	Women, Men, Have business, Salaried worker, Must have reliable source of income., The asset becomes part of loan security	Credit Ins
Flexible Housing Loan	UGX 200,000 - 3,000,000	3 - 24	0% - 20%	20% - 40%	Housing	Women, Men, Have business, Have home or land, Salaried worker	Credit Ins
Micro Business Individual Loan	UGX 100,000 - 5,000,000	3 - 24	20% - 40%	20% - 40%	Business	Women, Men, Have business, Business must least 3 months old, Must have security.	Credit Ins
Micro Mortgage Loan	UGX 500,000 - 23,000,000	3 - 36	20% - 40%	20% - 40%	Housing, Other, Land acquisition	Women, Men, Have business, Salaried worker	Credit Ins
Small & Medium Enterprise Loan	UGX 10,000,000 - 23,000,000	3 - 36	20% - 40%	40% - 60%	Business, Other, Business Assets, Construction	Women, Men, Have business, Have home or land, Must have a registered security, e.g. land title	Credit Ins
Small Business Loan	UGX 5,000,000 - 10,000,000	3 - 24	20% - 40%	40% - 60%	Business, Other, Acquire Business Assets	Women, Men, Have business, Fixed Security, i.e. land required	Credit Ins
School Fees Loan	UGX 100,000 - 5,000,000	3 - 24	40% - 60%	20% - 40%	Education	Women, Men, Have business, Salaried worker	Credit Ins
Micro Business Group Loan	UGX 100,000 - 5,000,000	3 - 24	40% - 60%	0% - 20%	Business	Women, Men, Have business	Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agricultural Loan - Community Bank - USD	34.2%-42.0% annual, Decl Bal	None	N/A	34.5% - 35.8%	34.5% - 35.8%	97
Agricultural Loan - Community Bank - KHR	36.0%-42.0% annual, Decl Bal	None	N/A	36% - 36.1%	36% - 36.1%	99
Agricultural Loan - Individual - USD	21.6%-36.0% annual, Decl Bal	None	N/A	22.8% - 32.5%	22.8% - 32.5%	85
Agricultural Loan - Solidarity Group - USD	33.6%-42.0% annual, Decl Bal	None	N/A	36.2% - 36.6%	36.2% - 36.6%	92
Agricultural Loan - Solidarity Group - KHR	35.4%-42.0% annual, Decl Bal	None	N/A	35.2% - 35.5%	35.3% - 35.5%	100
Non-Business Loan - Individual - USD	21.6%-36.0% annual, Decl Bal	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	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	None	N/A	35.8% - 36.1%	35.8% - 36.1%	100
Small Business Loan - Individual - USD	21.6%-36.0% annual, Decl Bal	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	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	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	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	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	None	N/A	35.2% - 35.5%	35.3% - 35.5%	100
Express Loan - Community Bank - KHR	31.2% annual, Decl Bal	None	N/A	31.5%	31.5%	98
Small Business Loan - Community Bank - USD	34.2%-42.0% annual, Decl Bal	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
Agricultural Loan	30.00% annual, Decl Bal	2 Fees	1 Ins	None	N/A	40.5% - 46.5%	42.2% - 49.7%	65
Asset Acquisition Loan	30.00% annual, Flat	2 Fees	1 Ins	None	N/A	54.9% - 65%	56.7% - 68.7%	50
Flexible Housing Loan	24.00% annual, Flat	2 Fees	1 Ins	None	N/A	59.6% - 63.9%	60.8% - 65.9%	37
Micro Business Individual Loan	36.00% annual, Flat	2 Fees	1 Ins	None	N/A	63.1% - 69.9%	65.2% - 73.1%	52
Micro Mortgage Loan	30.00% annual, Decl Bal	2 Fees	1 Ins	None	N/A	31.1% - 35.5%	32.3% - 37.9%	86
Small & Medium Enterprise Loan	30.00% annual, Decl Bal	2 Fees	1 Ins	None	N/A	28.3% - 33.8%	31.3% - 35.5%	88
Small Business Loan	30.00% annual, Flat	2 Fees	1 Ins	None	N/A	55% - 55.1%	56.7% - 56.9%	52
School Fees Loan	30.00% annual, Flat	2 Fees	1 Ins	None	N/A	57.7% - 73.5%	60.8% - 78%	45
Micro Business Group Loan	36.00% annual, Flat	2 Fees	1 Ins	None	10.00% upfront	65.7% - 80.6%	80.2% - 99.8%	41

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agricultural Loan - Community Bank - USD	34.2%-42.0% annual, Decl Bal	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 Ins Ins	None	N/A	36% - 36.1%	36% - 36.1%	99
Agricultural Loan - Individual - USD	21.6%-36.0% annual, Decl Bal	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 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 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 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 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 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 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 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 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 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 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 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 Ins Ins	None	N/A	31.5%	31.5%	98
Small Business Loan - Community Bank - USD	34.2%-42.0% annual, Decl Bal	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
Agricultural Loan	30.00% annual, Decl Bal	2 Fees	1 Ins Ins	None	N/A	40.5% - 46.5%	42.2% - 49.7%	65
Asset Acquisition Loan	30.00% annual, Flat	2 Fees	1 Ins Ins	None	N/A	54.9% - 65%	56.7% - 68.7%	50
Flexible Housing Loan	24.00% annual, Flat	2 Fees	1 Ins Ins	None	N/A	59.6% - 63.9%	60.8% - 65.9%	37
Micro Business Individual Loan	36.00% annual, Flat	2 Fees	1 Ins Ins	None	N/A	63.1% - 69.9%	65.2% - 73.1%	52
Micro Mortgage Loan	30.00% annual, Decl Bal	2 Fees	1 Ins Ins	None	N/A	31.1% - 35.5%	32.3% - 37.9%	86
Small & Medium Enterprise Loan	30.00% annual, Decl Bal	2 Fees	1 Ins Ins	None	N/A	28.3% - 33.8%	31.3% - 35.5%	88
Small Business Loan	30.00% annual, Flat	2 Fees	1 Ins Ins	None	N/A	55% - 55.1%	56.7% - 56.9%	52
School Fees Loan	30.00% annual, Flat	2 Fees	1 Ins Ins	None	N/A	57.7% - 73.5%	60.8% - 78%	45
Micro Business Group Loan	36.00% annual, Flat	2 Fees	1 Ins Ins	None	10.00% upfront	65.7% - 80.6%	80.2% - 99.8%	41

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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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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

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