Please note that the information you are viewing is 156 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 131 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: 156 months

Institution

Microfinance Institution "Amret" # 35BA, St.169, Sangkat Veal VongKhan 7 MakaraPhnom Penh, Cambodia855
Data approved: 2011-02-21
Data version: 2
Age of data: -   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 addressN/A
Year established1991
Head of InstitutionChea Phalarin
Regions active0
# Branches48

Total Portfolio (nat'l)0
Total Portfolio (USD)0
Active clients with loans226,434
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliations
Funders

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

602 Borrowers
USD 335,258 Portfolio
Active Product
16,830 Borrowers
USD 6,175,157.47 Portfolio
Active Product
11,601 Borrowers
USD 8,750,271 Portfolio
Active Product
715 Borrowers
USD 257,254.23 Portfolio
Active Product
2,774 Borrowers
USD 2,109,772 Portfolio
Active Product
1,142 Borrowers
USD 363,827.14 Portfolio
Active Product
2,053 Borrowers
USD 2,216,120 Portfolio
Active Product
196,385 Borrowers
USD 38,898,987.34 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 0 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 0% 0% N/A
Business Loan (KHR) 30.0%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% N/A
Business Loan (USD) 2.5%-3.0% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% N/A
Consumption Loan (KHR) 30.0%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% N/A
Consumption Loan (USD) 22.8%-37.2% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% N/A
Home Improvement Loan (KHR) 30.0%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% N/A
Home Improvement Loan (USD) 21.6%-37.2% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% N/A
Solidarity Credit Loan (KHR) 36.0%-42.0% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% N/A

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 0% 0% N/A
Business Loan (KHR) 30.0%-42.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% N/A
Business Loan (USD) 2.5%-3.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% N/A
Consumption Loan (KHR) 30.0%-42.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% N/A
Consumption Loan (USD) 22.8%-37.2% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% N/A
Home Improvement Loan (KHR) 30.0%-42.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% N/A
Home Improvement Loan (USD) 21.6%-37.2% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% N/A
Solidarity Credit Loan (KHR) 36.0%-42.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% N/A
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Key Statistics
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# 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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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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