| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.microafricagroup.com/ |
| Year established | 2004 |
| Head of Institution | Bernard Kivava |
| Regions active | Muhanga, Musanze, Nyarugenge |
| # Branches | 4 |
| Total Portfolio (nat'l) | RWF 2,223,220,010 |
| Total Portfolio (USD) | USD 3,473,781.27 |
| Active clients with loans | 4,960 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | AMIR |
| Funders | Micro Africa Ltd, Ezra Bunyenyezi |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.firstfinance.biz |
| Year established | 2009 |
| Head of Institution | Lim Hak Khoun (Kevin) |
| Regions active | Battambang, Kandal, Phnom PenhSiem Reap |
| # Branches | 3 |
| Total Portfolio (nat'l) | KHR 23,500,000,000 |
| Total Portfolio (USD) | USD 5,949,367.09 |
| Active clients with loans | 564 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | Cambodian Microfinance Association (CMA) |
| Funders | First Home Plc, Insitor Fund SCA, Poems Pte Ltd |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | RWF 30,000 - 1,000,000 | 6 - 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Salary Loan | RWF 100,000 - 5,000,000 | 6 - 12 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men, Salaried worker | Credit Educ, Group Mtgs, Credit Ins | |||||||
| SME Loan | RWF 1,000,000 - 15,000,000 | 6 - 24 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Housing Loan | USD 1,000 - 37,500 | 12 - 180 | 20% - 40% | 80% - 100% | Housing | Women, Men |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 48.00% annual, Decl Bal | 1 Fee | 1 Ins | None | 10.00% upfront | 59% - 62.4% | 72.5% - 78.4% | 63 | ||||||||
| Salary Loan | 48.00%-60.00% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 52.7% - 67.3% | 55.3% - 71.4% | 75 | ||||||||
| SME Loan | 48.00%-60.00% annual, Decl Bal | 1 Fee | 1 Ins | None | 0.00%-20.00% upfront | 56.2% - 66.3% | 88.3% - 101.3% | 49 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Housing Loan | 18.0%-24.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 20% - 26.2% | 22% - 30.5% | 70 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loan | 48.00% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 10.00% upfront | 59% - 62.4% | 72.5% - 78.4% | 63 | ||||||||
| Salary Loan | 48.00%-60.00% annual, Decl Bal | 2 Fees | 1 Ins Ins | None | N/A | 52.7% - 67.3% | 55.3% - 71.4% | 75 | ||||||||
| SME Loan | 48.00%-60.00% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 0.00%-20.00% upfront | 56.2% - 66.3% | 88.3% - 101.3% | 49 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Housing Loan | 18.0%-24.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 20% - 26.2% | 22% - 30.5% | 70 |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| N (# of Samples) | ||||||
| Total Borrrowers of Samples | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
