Please note that the information you are viewing is 104 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 79 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: 104 months

Institution

KREDIT Microfinance Institution Plc. #17, Street 163ChamkarmornPhnom Penh
Data approved: 2013-04-23
Data version: 3
Age of data: 79 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.kredit.com.kh
Year established2000
Head of InstitutionChan Mach
Regions activeBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampot, KandalKratié, Phnom Penh, Prey VengSiem Reap, Takéo
# Branches51

Total Portfolio (nat'l)KHR 239,343,000,000
Total Portfolio (USD)USD 60,593,164.56
Active clients with loans62,626
Approximate % female clients80% - 100%
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

8,084 Borrowers
USD 5,156,516.59 Portfolio
Active Product
2,624 Borrowers
USD 4,637,246.14 Portfolio
Active Product
7,339 Borrowers
USD 3,065,231.29 Portfolio
Active Product
24,845 Borrowers
USD 42,321,723.05 Portfolio
Active Product
245 Borrowers
USD 51,622.01 Portfolio
Active Product
180 Borrowers
USD 21,243.63 Portfolio
Active Product
18,454 Borrowers
USD 3,950,090.79 Portfolio
Active Product
35 Borrowers
USD 3,011 Portfolio
Low Volume Product
6 Borrowers
USD 112,957.75 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 » 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
ID-AGR-KHR KHR 100,000 - 20,000,000 4 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land
ID-AGR-USD USD 100 - 5,000 4 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land
ID-KHR KHR 200,000 - 40,000,000 4 - 36 80% - 100% 0% - 20% Business, Housing, Consumer Women, Men, Have business, Have home or land
ID-USD USD 100 - 20,000 4 - 36 80% - 100% 0% - 20% Business, Housing, Consumer Women, Men, Have business, Have home or land
SG-AGR-KHR KHR 100,000 - 1,200,000 4 - 12 80% - 100% 0% - 20% Business, Housing, Consumer Women, Men, Have business, Have home or land Group Mtgs
SG-KHR KHR 100,000 - 1,200,000 4 - 12 80% - 100% 0% - 20% Business, Housing, Consumer Women, Men, Have business, Have home or land Group Mtgs
VSU-KHR KHR 50,000 - 1,200,000 4 - 12 80% - 100% 0% - 20% Any Purpose Women, Men Credit Educ, Group Mtgs, Tech Asst Visits, Other Training

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
ID-AGR-KHR 27.0%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 25.6% - 36% 25.6% - 36% 86
ID-AGR-USD 21.0%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 22.9% - 31.8% 22.9% - 31.8% 74
ID-KHR 24.0%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 27.7% - 36.8% 27.7% - 36.8% 72
ID-USD 19.8%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 21.8% - 30.7% 21.8% - 30.7% 73
SG-AGR-KHR 36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 36% 36% 100
SG-KHR 36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 36% 36% 100
VSU-KHR 34.2% annual, Decl Bal 0 Fees 0 Ins None N/A 32% - 32.2% 32% - 32.2% 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
ID-AGR-KHR 27.0%-36.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 25.6% - 36% 25.6% - 36% 86
ID-AGR-USD 21.0%-36.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 22.9% - 31.8% 22.9% - 31.8% 74
ID-KHR 24.0%-36.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 27.7% - 36.8% 27.7% - 36.8% 72
ID-USD 19.8%-36.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 21.8% - 30.7% 21.8% - 30.7% 73
SG-AGR-KHR 36.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 36% 36% 100
SG-KHR 36.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 36% 36% 100
VSU-KHR 34.2% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 32% - 32.2% 32% - 32.2% 100
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Loan Portfolio (USD)
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% Products with one or more insurances
% Products with compulsory deposits
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