| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | N/A |
| Website address | http://www.concernuniversal.org/ |
| Year established | 2000 |
| Head of Institution | Ezikiel Phiri |
| Regions active | 0 |
| # Branches | 2 |
| Total Portfolio (nat'l) | MWK 185,000,000 |
| Total Portfolio (USD) | USD 1,233,333.33 |
| Active clients with loans | 40,000 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | MAMN, The MIX Market |
| Funders | Concern Universal, USAID, FIMA, Irish Aid |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 2007 |
| Head of Institution | Leenam Yon |
| Regions active | Phnom Penh |
| # Branches | 1 |
| Total Portfolio (nat'l) | KHR 1,629,290,000 |
| Total Portfolio (USD) | USD 412,478.48 |
| Active clients with loans | 266 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fumba (Agricultural Loan) | MWK 5,000 - 40,000 | 6 | 80% - 100% | 0% - 20% | ||||||||||
| Masika (Village Enterprise Loan) | MWK 1,000 - 90,000 | 4 - 6 | 80% - 100% | 0% - 20% | ||||||||||
| Mtenthandevu (Small Holder Tea Growers) | MWK 5,000 - 100,000 | 4 - 6 | 40% - 60% | 0% - 20% |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loan | USD 250 - 24,000 | 1 - 24 | 60% - 80% | 40% - 60% | Business, Housing, Consumer, Education, Other | Women, Men |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fumba (Agricultural Loan) | 60.00% annual, Flat | 1 Fee | 0 Ins | N/A | 70.8% | 76% | ||||||||||
| Masika (Village Enterprise Loan) | 48.00%-72.00% annual, Flat | 2 Fees | 0 Ins | 90.4% - 92.6% | 107.2% - 109.9% | |||||||||||
| Mtenthandevu (Small Holder Tea Growers) | 48.00% annual, Flat | 1 Fee | 0 Ins | 48.4% - 48.7% | 54.7% - 57.3% |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loan | 20.4%-27.6% annual, Decl Bal | 1 Fee | 0 | None | None | 20.3% - 37% | 20.3% - 37% | 79 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fumba (Agricultural Loan) | 60.00% annual, Flat | 1 Fee | 0 Ins Ins | N/A | 70.8% | 76% | ||||||||||
| Masika (Village Enterprise Loan) | 48.00%-72.00% annual, Flat | 2 Fees | 0 Ins Ins | 90.4% - 92.6% | 107.2% - 109.9% | |||||||||||
| Mtenthandevu (Small Holder Tea Growers) | 48.00% annual, Flat | 1 Fee | 0 Ins Ins | 48.4% - 48.7% | 54.7% - 57.3% |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loan | 20.4%-27.6% annual, Decl Bal | 1 Fee | 0 | None | None | 20.3% - 37% | 20.3% - 37% | 79 |
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