Please note that the information you are viewing is 102 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 78 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Empowerment Micro Finance institution ltd 72, Sikoongo RoadSiavonga, Zambia, Souther ProvinceP.O.BOX 183
Data approved: 2011-12-12
Data version: 1
Age of data: 102 months

Institution

Amret Microfinance Institution # 35BA, St.169, Sangkat Veal VongKhan 7 MakaraPhnom Penh, Cambodia855
Data approved: 2013-05-21
Data version: 3
Age of data: 78 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.celim.it/
Year established2008
Head of InstitutionElisa Morrone
Regions active
# Branches2

Total Portfolio (nat'l)ZMK 2,360,550,702
Total Portfolio (USD)USD 456,145.06
Active clients with loans1,559
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsAmiz, Mix Market
FundersRural Finance Programme/IFAD, European Union, CeLIM NGO

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.amret.com.kh
Year established1991
Head of InstitutionChea Phalarin
Regions activeBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Phnom Penh, Sihanoukville, Pursat, Prey VengSiem Reap, Svay Rieng, Takéo
# Branches99

Total Portfolio (nat'l)KHR 662,842,000,000
Total Portfolio (USD)USD 167,808,101.30
Active clients with loans298,926
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsPrasac, Hathakaksekor, Sathapana, Kredit
FundersAdvans, GRET, Proparco, FMO

Loan Products » Summary

73 Borrowers
USD 38,260.87 Portfolio
Active Product
870 Borrowers
USD 343,257.28 Portfolio
Active Product
51 Borrowers
USD 18,014.51 Portfolio
Active Product
521 Borrowers
USD 46,667.90 Portfolio
Active Product
30 Borrowers
USD 1,352.66 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

1,677 Borrowers
USD 539,745 Portfolio
Active Product
21,754 Borrowers
USD 10,471,176.46 Portfolio
Active Product
37,836 Borrowers
USD 66,527,509 Portfolio
Active Product
1,473 Borrowers
USD 677,511.77 Portfolio
Active Product
9,803 Borrowers
USD 8,981,274 Portfolio
Active Product
1,913 Borrowers
USD 795,290.11 Portfolio
Active Product
6,640 Borrowers
USD 10,293,531 Portfolio
Active Product
218,411 Borrowers
USD 51,256,708.86 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Input Loan ZMK 2,000,000 - 6,000,000 10 - 11 20% - 40% 0% - 20% Business, Agriculture Women, Men, Small scale farmers, minimum one hectare Business Training, Microcredit Scheme
Individual Loan ZMK 500,000 - 7,000,000 4 - 12 40% - 60% 0% - 20% Business Women, Men, Have business Credit Ins, Household Approach, Monthly follow up of clients
Salary Backed Loan ZMK 500,000 - 7,000,000 2 - 10 20% - 40% 60% - 80% Any Purpose Women, Men, Salaried worker
Solidarity Group Loan ZMK 400,000 - 1,200,000 4 - 10 60% - 80% 0% - 20% Business Women, Men, Have business Record Keeping Training, Household Approach Training, Monthly Monitoring

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Biodigester Loan (USD) USD 150 - 1,000 3 - 24 20% - 40% 20% - 40% Any Purpose Women, Men, Have business, Have home or land, Salaried worker
Business Loan (KHR) KHR 1,000,000 - 40,000,000 3 - 24 60% - 80% 0% - 20% Business Women, Men, Have business, Have home or land
Business Loan (USD) USD 100 - 10,000 3 - 24 60% - 80% 20% - 40% Business Women, Men
Consumption Loan (KHR) KHR 1,000,000 - 20,000,000 3 - 24 60% - 80% 20% - 40% Consumer, Education Women, Men, Have business, Have home or land, Salaried worker
Consumption Loan (USD) USD 100 - 5,000 3 - 24 60% - 80% 20% - 40% Consumer, Education Women, Men, Have business, Have home or land, Salaried worker
Home Improvement Loan (KHR) KHR 1,000,000 - 40,000,000 3 - 36 60% - 80% 20% - 40% Housing Women, Men, Have business, Have home or land, Salaried worker
Home Improvement Loan (USD) USD 100 - 10,000 3 - 36 60% - 80% 20% - 40% Housing Women, Men, Have business, Have home or land, Salaried worker
Solidarity Credit Loan (KHR) KHR 5,000 - 1,000,000 6 - 12 80% - 100% 0% - 20% Any Purpose Women, Men

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Input Loan 42.0% annual, Flat 0 Fees 1 Ins None N/A 56.6% - 56.8% 64.4% - 64.6% 65
Individual Loan 48.0% annual, Flat 1 Fee 0 Ins None N/A 69.7% - 82.9% 69.7% - 82.9% 62
Salary Backed Loan 30.0%-42.0% annual, Flat 1 Fee 0 Ins None N/A 48.9% - 50.6% 48.9% - 50.6% 60
Solidarity Group Loan 42.0%-60.0% annual, Flat 1 Fee 0 Ins None N/A 68.6% - 96% 68.6% - 96% 50

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Biodigester Loan (USD) 14.4% annual, Decl Bal 0 Fees 0 Ins None N/A 14.3% - 14.4% 14.3% - 14.4% 100
Business Loan (KHR) 30.0%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 29.9% - 36.7% 29.9% - 36.7% 89
Business Loan (USD) 19.2%-37.2% annual, Decl Bal 0 Fees 0 Ins None N/A 22.6% - 33.1% 22.6% - 33.1% 71
Consumption Loan (KHR) 30.0%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 32% - 38.4% 32% - 38.4% 86
Consumption Loan (USD) 22.8%-37.2% annual, Decl Bal 0 Fees 0 Ins None N/A 21.4% - 36.7% 21.4% - 36.7% 88
Home Improvement Loan (KHR) 30.0%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 29.9% - 38.1% 29.9% - 38.1% 89
Home Improvement Loan (USD) 21.6%-37.2% annual, Decl Bal 0 Fees 0 Ins None N/A 21.5% - 31.9% 21.5% - 31.9% 83
Solidarity Credit Loan (KHR) 36.0%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 32.3% - 35.4% 32.3% - 35.4% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Input Loan 42.0% annual, Flat 0 Fees 1 Ins Ins None N/A 56.6% - 56.8% 64.4% - 64.6% 65
Individual Loan 48.0% annual, Flat 1 Fee 0 Ins Ins None N/A 69.7% - 82.9% 69.7% - 82.9% 62
Salary Backed Loan 30.0%-42.0% annual, Flat 1 Fee 0 Ins Ins None N/A 48.9% - 50.6% 48.9% - 50.6% 60
Solidarity Group Loan 42.0%-60.0% annual, Flat 1 Fee 0 Ins Ins None N/A 68.6% - 96% 68.6% - 96% 50

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Biodigester Loan (USD) 14.4% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 14.3% - 14.4% 14.3% - 14.4% 100
Business Loan (KHR) 30.0%-42.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 29.9% - 36.7% 29.9% - 36.7% 89
Business Loan (USD) 19.2%-37.2% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 22.6% - 33.1% 22.6% - 33.1% 71
Consumption Loan (KHR) 30.0%-42.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 32% - 38.4% 32% - 38.4% 86
Consumption Loan (USD) 22.8%-37.2% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 21.4% - 36.7% 21.4% - 36.7% 88
Home Improvement Loan (KHR) 30.0%-42.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 29.9% - 38.1% 29.9% - 38.1% 89
Home Improvement Loan (USD) 21.6%-37.2% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 21.5% - 31.9% 21.5% - 31.9% 83
Solidarity Credit Loan (KHR) 36.0%-42.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 32.3% - 35.4% 32.3% - 35.4% 100
Institution Price Graph
Institution Price Graph
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Key Statistics
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# 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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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