Finamerica - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 159 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 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

Finamerica Calle 16 # 6-66 piso 4Bogotá, Cundinamarca

Data approved: 2011-03-15

Data version: 1

Age of data: 159 months

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Institution

VisionFund Cambodia #20, Street 71, Sangkat Tonle Basac,Chamkar Morn DistrictPhnom PenhPO Box 479

Data approved: 2013-04-04

Data version: 3

Age of data: 132 months

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Institution Details

Institution Type	Non-Governmental Organization
Is this institution regulated?	No
Website address	http://www.finamerica.com.co/
Year established	1997
Head of Institution	Gregorio Alberto Mejia Solano
Regions active
# Branches	43

Total Portfolio (nat'l)	COP 183,819,000,000
Total Portfolio (USD)	USD 100,999,450.50
Active clients with loans	45,380
Approximate % female clients	40% - 60%
Approximate % urban clients	80% - 100%
Network affiliations	ACCION INTERNACIONAL
Funders	Caja de compensacion Familiar Colsubsdio, Caja de compensacion Familiar Cafam, Caja de compensacion Familiar Comfandi, Caja de compensacion Familiar Confenalco

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	Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh KongKratié, Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey VengSiem Reap, Svay Rieng, Takéo
# Branches	75

Total Portfolio (nat'l)	KHR 194,987,000,000
Total Portfolio (USD)	USD 49,363,797.47
Active clients with loans	148,843
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations	VisionFund International, Banking With the Poor Network, Cambodia Microfinance Association
Funders	WorldVision International, VisionFund International

Loan Products » Summary

Destino

2,505 Borrowers

USD 7,450,166.34 Portfolio

Active Product

Preferencial

6,585 Borrowers

USD 18,584,395.79 Portfolio

Active Product

Renovado

23,954 Borrowers

USD 55,023,076.92 Portfolio

Active Product

Pymes

955 Borrowers

USD 15,205,774.15 Portfolio

Active Product

Confianza

311 Borrowers

USD 94,508.40 Portfolio

Active Product

5,198 Borrowers

USD 3,119,030.61 Portfolio

Active Product

Confianza

320 Borrowers

USD 59,881.76 Portfolio

Active Product

Loan Products » Summary

AL-CB-KHR

85,285 Borrowers

USD 14,532,613.59 Portfolio

Active Product

AL-IL-USD

7,406 Borrowers

USD 11,468,110.51 Portfolio

Active Product

AL-SG-USD

2,281 Borrowers

USD 1,056,667.48 Portfolio

Active Product

AL-SG-KHR

6,899 Borrowers

USD 2,962,777.61 Portfolio

Active Product

NBL-CB-KHR

15,241 Borrowers

USD 1,371,509.06 Portfolio

Active Product

NBL-IL-USD

2,967 Borrowers

USD 4,352,304.56 Portfolio

Active Product

NBL-SG-KHR

1,063 Borrowers

USD 482,406.89 Portfolio

Active Product

NBL-SG-USD

1,226 Borrowers

USD 603,741.73 Portfolio

Active Product

SBL-CB-KHR

13,807 Borrowers

USD 1,835,169.17 Portfolio

Active Product

SBL-IL-USD

4,288 Borrowers

USD 7,384,240.16 Portfolio

Active Product

SBL-SG-USD

915 Borrowers

USD 417,233.71 Portfolio

Active Product

SBL-SG-KHR

768 Borrowers

USD 318,379.80 Portfolio

Active Product

AL-CB-THB

5,003 Borrowers

USD 1,518,887.53 Portfolio

Active Product

AL-SG-THB

450 Borrowers

USD 386,663.93 Portfolio

Active Product

SBL-CB-THB

1,042 Borrowers

USD 261,302.81 Portfolio

Active Product

EXL-CB-KHR

0 Borrowers

Portfolio

Low Volume Product

EDL-IL-USD

10 Borrowers

USD 4,174.08 Portfolio

Low Volume Product

SBL-SG-THB

47 Borrowers

USD 28,507.12 Portfolio

Low Volume Product

Agricultural Loan - Community Bank - USD

Retired Product

Small Business Loan - Community Bank - USD

Retired Product

Asset CB USD

Retired 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
Consumo Libre Destino	COP 300,000 - 65,000,000	12 - 59	40% - 60%	80% - 100%	Any Purpose	Women, Men, Have business, Salaried worker	Other Training, Fidelizacion
Crédito preferencial ( Credipremium)	COP 772,500 - 83,430,000	6 - 59	40% - 60%	80% - 100%	Any Purpose	Women, Men, Have business	Other Training, Programa Afinidad ( tarjeta club finamigos)
Credito Individual Nuevo y Renovado	COP 772,000 - 83,430,000	1 - 59	40% - 60%	80% - 100%	Business, Capital de Trabajo	Women, Men, Have business	Credit Educ, Credit Ins, Programa Afinidad
Credito Pymes	COP 12,440,000 - 300,000,000	6 - 59	20% - 40%	80% - 100%	Business, Compra de mercancías, insumos, adquisición de maqu	Women, Men, Have business, Personas Naturales y Jurídicas con activos entre $248 y $2.480 millones pertenecientes a los sectore	Programa Afinidad (tarjeta club finamigos)
Grupo Solidario Confianza	COP 200,000 - 2,000,000	3 - 12	40% - 60%	20% - 40%	Business, Consumer, Capital de Trabajo	Women, Men, Agrupacion de personas que tengan en comun, proyectos agropecuarios, agroindustriales, comerciales.	Credit Educ, Other Training, Charlas de grupo , cobranza de creditos , charlas de ahorro.
Mi credito YA	COP 400,000 - 2,400,000	6 - 12	40% - 60%	80% - 100%	Business, Capital de Trabajo	Women, Men, Have business, Personas sin experiencia crediticia	Credit Ins, Other Training, programa de Fidelizacion clientes Club Finamigos
Micro confianza	COP 200,000 - 700,000	3 - 6	40% - 60%	80% - 100%	Business, Capital de Trabajo	Women, Men, Have business, antigàŒedad del negocio de 18 meses y activos fijos inferiores a 500 SMLV	Credit Ins, Other Training, programa de Fidelizacion clientes Club Finamigos

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Agricultural Loan - Community Bank - KHR	KHR 80,000 - 1,400,000	3 - 12	80% - 100%	0% - 20%	Agriculture	Women, Men, Have business, 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 - 30	80% - 100%	0% - 20%	Agriculture	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Credit Ins, Business Training, Other Training
Agricultural Loan - Solidarity Group - USD	USD 151 - 1,000	3 - 24	80% - 100%	0% - 20%	Agriculture	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Agricultural Loan - Solidarity Group - KHR	KHR 600,100 - 4,000,000	3 - 24	80% - 100%	0% - 20%	Agriculture	Women, Men, Have business, 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	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 - Individual - USD	USD 1,001 - 10,000	3 - 30	80% - 100%	0% - 20%	Consumer	Women, Men, Have business, Have home or land, Salaried worker, Specific age group	Credit Educ, Credit Ins, Business Training, Other Training
Non-Business Loan - Solidarity Group - KHR	KHR 600,100 - 4,000,000	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 151 - 1,000	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
Small Business Loan - Community Bank - KHR	KHR 80,000 - 1,400,000	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, 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 - 30	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Credit Ins, Business Training, Other Training
Small Business Loan - Solidarity Group - USD	USD 151 - 1,000	3 - 24	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Small Business Loan - Solidarity Group - KHR	KHR 600,100 - 4,000,000	3 - 24	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Agricultural Loan - Community Bank - THB	THB 800 - 14,000	3 - 12	80% - 100%	0% - 20%	Agriculture	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Agricultural Loan- Solidarity Group - THB	THB 6,001 - 40,000	3 - 24	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Small Business Loan - Community Bank - THB	THB 800 - 14,000	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, 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
Consumo Libre Destino	14.4%-28.7% annual, Decl Bal	2 Fees	1 Ins	None	N/A	23.9% - 24.8%	24.7% - 25.5%	57
Crédito preferencial ( Credipremium)	10.2%-28.7% annual, Decl Bal	2 Fees	1 Ins	None	N/A	14.6% - 28%	15.4% - 28.8%	45
Credito Individual Nuevo y Renovado	8.0%-29.6% annual, Decl Bal	2 Fees	1 Ins	None	N/A	41.2% - 44.3%	42% - 45.1%	18
Credito Pymes	20.9%-21.6% annual, Decl Bal	2 Fees	1 Ins	None	N/A	13.7% - 23.1%	14.5% - 23.8%	100
Grupo Solidario Confianza	18.7%-29.6% annual, Decl Bal	1 Fee	1 Ins	None	N/A	33.6% - 52.5%	34.2% - 53.3%	42
Mi credito YA	22.4%-29.9% annual, Decl Bal	1 Fee	1 Ins	None	N/A	50.6% - 52.9%	51.3% - 53.7%	43
Micro confianza	21.6%-29.6% annual, Decl Bal	1 Fee	1 Ins	None	N/A	33.9% - 53.2%	34.5% - 53.9%	48

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agricultural Loan - Community Bank - KHR	35.4%-36.0% annual, Decl Bal	None	N/A	35.5% - 35.9%	35.5% - 35.9%	99
Agricultural Loan - Individual - USD	21.0%-36.0% annual, Decl Bal	None	N/A	22.5% - 26.3%	22.5% - 26.3%	89
Agricultural Loan - Solidarity Group - USD	32.4%-36.0% annual, Decl Bal	None	N/A	32.3% - 33.4%	32.3% - 33.4%	98
Agricultural Loan - Solidarity Group - KHR	34.2%-36.0% annual, Decl Bal	None	N/A	34.1% - 35.1%	34.1% - 35.1%	98
Non-Business Loan - Community Bank - KHR	35.4%-36.0% annual, Decl Bal	None	N/A	35.3% - 35.9%	35.3% - 35.9%	99
Non-Business Loan - Individual - USD	21.0%-36.0% annual, Decl Bal	None	N/A	22% - 26.3%	22% - 26.3%	91
Non-Business Loan - Solidarity Group - KHR	34.2%-36.0% annual, Decl Bal	None	N/A	34.4% - 35.5%	34.4% - 35.5%	98
Non-Business Loan - Solidarity Group - USD	32.4%-36.0% annual, Decl Bal	None	N/A	33.3% - 33.5%	33.3% - 33.5%	97
Small Business Loan - Community Bank - KHR	35.4%-36.0% annual, Decl Bal	None	N/A	35.3% - 35.9%	35.3% - 35.9%	99
Small Business Loan - Individual - USD	21.0%-36.0% annual, Decl Bal	None	N/A	21.5% - 30.8%	21.5% - 30.8%	88
Small Business Loan - Solidarity Group - USD	32.4%-36.0% annual, Decl Bal	None	N/A	33.1% - 33.4%	33.1% - 33.4%	97
Small Business Loan - Solidarity Group - KHR	34.2%-36.0% annual, Decl Bal	None	N/A	34.1% - 34.7%	34.1% - 34.7%	99
Agricultural Loan - Community Bank - THB	33.6%-36.0% annual, Decl Bal	None	N/A	34.7% - 35%	34.7% - 35%	96
Agricultural Loan- Solidarity Group - THB	33.0%-36.0% annual, Decl Bal	None	N/A	33.8% - 34.7%	33.8% - 34.7%	97
Small Business Loan - Community Bank - THB	33.6%-36.0% annual, Decl Bal	None	N/A	33.6% - 35.2%	33.6% - 35.2%	98

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Consumo Libre Destino	14.4%-28.7% annual, Decl Bal	2 Fees	1 Ins Ins	None	N/A	23.9% - 24.8%	24.7% - 25.5%	57
Crédito preferencial ( Credipremium)	10.2%-28.7% annual, Decl Bal	2 Fees	1 Ins Ins	None	N/A	14.6% - 28%	15.4% - 28.8%	45
Credito Individual Nuevo y Renovado	8.0%-29.6% annual, Decl Bal	2 Fees	1 Ins Ins	None	N/A	41.2% - 44.3%	42% - 45.1%	18
Credito Pymes	20.9%-21.6% annual, Decl Bal	2 Fees	1 Ins Ins	None	N/A	13.7% - 23.1%	14.5% - 23.8%	100
Grupo Solidario Confianza	18.7%-29.6% annual, Decl Bal	1 Fee	1 Ins Ins	None	N/A	33.6% - 52.5%	34.2% - 53.3%	42
Mi credito YA	22.4%-29.9% annual, Decl Bal	1 Fee	1 Ins Ins	None	N/A	50.6% - 52.9%	51.3% - 53.7%	43
Micro confianza	21.6%-29.6% annual, Decl Bal	1 Fee	1 Ins Ins	None	N/A	33.9% - 53.2%	34.5% - 53.9%	48

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Agricultural Loan - Community Bank - KHR	35.4%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	35.5% - 35.9%	35.5% - 35.9%	99
Agricultural Loan - Individual - USD	21.0%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	22.5% - 26.3%	22.5% - 26.3%	89
Agricultural Loan - Solidarity Group - USD	32.4%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	32.3% - 33.4%	32.3% - 33.4%	98
Agricultural Loan - Solidarity Group - KHR	34.2%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	34.1% - 35.1%	34.1% - 35.1%	98
Non-Business Loan - Community Bank - KHR	35.4%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	35.3% - 35.9%	35.3% - 35.9%	99
Non-Business Loan - Individual - USD	21.0%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	22% - 26.3%	22% - 26.3%	91
Non-Business Loan - Solidarity Group - KHR	34.2%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	34.4% - 35.5%	34.4% - 35.5%	98
Non-Business Loan - Solidarity Group - USD	32.4%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	33.3% - 33.5%	33.3% - 33.5%	97
Small Business Loan - Community Bank - KHR	35.4%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	35.3% - 35.9%	35.3% - 35.9%	99
Small Business Loan - Individual - USD	21.0%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	21.5% - 30.8%	21.5% - 30.8%	88
Small Business Loan - Solidarity Group - USD	32.4%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	33.1% - 33.4%	33.1% - 33.4%	97
Small Business Loan - Solidarity Group - KHR	34.2%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	34.1% - 34.7%	34.1% - 34.7%	99
Agricultural Loan - Community Bank - THB	33.6%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	34.7% - 35%	34.7% - 35%	96
Agricultural Loan- Solidarity Group - THB	33.0%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	33.8% - 34.7%	33.8% - 34.7%	97
Small Business Loan - Community Bank - THB	33.6%-36.0% annual, Decl Bal	0 Ins Ins	None	N/A	33.6% - 35.2%	33.6% - 35.2%	98

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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

	X Axis
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	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
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By Inst Type


By Country

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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

Total Borrowers of Samples

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