2. Empowerment
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
  2. HKL
Please note that the information you are viewing is 132 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

Hattha Kaksekar Limited No 606, st 271, Sangkat Phsar Deum Thkouv, Chamcarmon, Phnom PenhNo 19GH, St 271 Sangkat Beung Salang, Phnom PenhPhnom Penh, Cambodia855
Data approved: 2011-02-02
Data version: 2
Age of data: -   months 
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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 TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.hkl.com.kh/
Year established1994
Head of InstitutionHout Ieng Tong
Regions active0
# Branches75

Total Portfolio (nat'l)KHR 41,569,985.26
Total Portfolio (USD)USD 10,392.50
Active clients with loans47,287
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliations
Funders

Loan Products » Summary

Agriculture
73 Borrowers
USD 38,260.87 Portfolio
Active Product
Individual
870 Borrowers
USD 343,257.28 Portfolio
Active Product
Salary
51 Borrowers
USD 18,014.51 Portfolio
Active Product
Sol Grp
521 Borrowers
USD 46,667.90 Portfolio
Active Product
School Fee
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

Large Loans
179 Borrowers
USD 2,264,750.79 Portfolio
Active Product
Medium
5,315 Borrowers
USD 14,235,223.83 Portfolio
Active Product
Micro
28,189 Borrowers
USD 8,981,843.58 Portfolio
Active Product
Small
13,214 Borrowers
USD 14,541,633.48 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
Large Loans USD 10,001 - 30,000 3 - 36 80% - 100% 60% - 80% Business, Housing, Consumer, Education, Other Have business
Medium Loans USD 2,501 - 10,000 3 - 36 60% - 80% 60% - 80% Business, Housing, Consumer, Education, Other Have business
Micro Loans USD 50 - 1,000 3 - 15 80% - 100% 20% - 40% Business, Housing, Consumer, Education, Other Have business
Small Loans USD 1,001 - 2,500 3 - 24 60% - 80% 20% - 40% Business, Housing, Consumer, Education, Other Have business

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
Large Loans 19.2% annual, Decl Bal 0 Fees 0 Ins None 10.00 upfront 10.00 ongoing 19.4% 19.5% - 19.8% 97
Medium Loans 23.4%-30.0% annual, Decl Bal 0 Fees 0 Ins None 5.00 upfront 5.00 ongoing 23.7% 24.4% - 24.6% 95
Micro Loans 34.8%-42.0% annual, Decl Bal 0 Fees 0 Ins None 1.00 upfront 1.00 ongoing 35.1% - 35.2% 35.9% - 42.8% 91
Small Loans 27.6%-33.6% annual, Decl Bal 0 Fees 0 Ins None 3.00 upfront 3.00 ongoing 27.9% 28.6% - 29.1% 96

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
Large Loans 19.2% annual, Decl Bal 0 Fees 0 Ins Ins None 10.00 upfront 10.00 ongoing 19.4% 19.5% - 19.8% 97
Medium Loans 23.4%-30.0% annual, Decl Bal 0 Fees 0 Ins Ins None 5.00 upfront 5.00 ongoing 23.7% 24.4% - 24.6% 95
Micro Loans 34.8%-42.0% annual, Decl Bal 0 Fees 0 Ins Ins None 1.00 upfront 1.00 ongoing 35.1% - 35.2% 35.9% - 42.8% 91
Small Loans 27.6%-33.6% annual, Decl Bal 0 Fees 0 Ins Ins None 3.00 upfront 3.00 ongoing 27.9% 28.6% - 29.1% 96
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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
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