Angkor Microheranhvatho Kampuchea - MFTransparency.org Truth In Lending Tables

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

Please note that the information you are viewing is 157 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Angkor Microheranhvatho Kampuchea # 442, St. 193, Toul Svayprey 1ChamkarmornPhnom Penh, CambodiaPO Box 855

Data approved: 2013-04-26

Data version: 4

Age of data: 132 months

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Institution

BANCO D-MIRO S.A. Cooperativa Americo Vespucio II Manzana A Solar 8Guayaquil, GuayasN/A

Data approved: 2011-06-27

Data version: 1

Age of data: 157 months

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Institution Details

Institution Type	Non Bank Financial Institution
Is this institution regulated?	Yes
Website address	http://www.amkcambodia.com/
Year established	2003
Head of Institution	Kea Borann
Regions active	Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Mondulkiri , Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo
# Branches	113

Total Portfolio (nat'l)	KHR 236,703,000,000
Total Portfolio (USD)	USD 59,924,810.13
Active clients with loans	297,613
Approximate % female clients	80% - 100%
Approximate % urban clients	0% - 20%
Network affiliations	CMA, SPTF
Funders	Agora, Concern

Institution Details

Institution Type	Bank
Is this institution regulated?	Yes
Website address	http://www.d-miro.org/
Year established	2010
Head of Institution	Carlos Egas Guerra
Regions active
# Branches	14

Total Portfolio (nat'l)	USD 33,162,498
Total Portfolio (USD)	USD 33,162,498
Active clients with loans	37,455
Approximate % female clients	40% - 60%
Approximate % urban clients	80% - 100%
Network affiliations	Red Financiera Rural
Funders	Pettelaar Effectenbewaarbedrijf N.V. - SNS, Triple Jump, Microvest Fund, Credit Suisse Microfinance Fund Management Company

Loan Products » Summary

Credit KHR

84,992 Borrowers

USD 17,797,287.24 Portfolio

Active Product

Credit THB

5,761 Borrowers

USD 1,606,561.09 Portfolio

Active Product

Emrgncy KHR

4,029 Borrowers

USD 361,651.90 Portfolio

Active Product

Emrgncy THB

107 Borrowers

USD 12,797.90 Portfolio

Active Product

EoT KHR

98,446 Borrowers

USD 18,040,572.30 Portfolio

Active Product

EoT THB

1,837 Borrowers

USD 437,073.02 Portfolio

Active Product

Individual

5,079 Borrowers

USD 2,962,841.98 Portfolio

Active Product

Inst ID

119 Borrowers

USD 111,709.86 Portfolio

Active Product

Inst VB

1,670 Borrowers

USD 320,495.59 Portfolio

Active Product

Inst ID

2,801 Borrowers

USD 2,559,297.12 Portfolio

Active Product

Inst VB

65,323 Borrowers

USD 9,910,460.58 Portfolio

Active Product

Seasonal KRH

10,468 Borrowers

USD 7,060,414.41 Portfolio

Active Product

Seasonal THB

733 Borrowers

USD 869,265.42 Portfolio

Active Product

Seasonal USD

934 Borrowers

USD 825,304 Portfolio

Active Product

Easy KHR

3,096 Borrowers

USD 462,791.11 Portfolio

Active Product

Easy USD

2,814 Borrowers

USD 446,098 Portfolio

Active Product

Loan Products » Summary

Asalariado

1,848 Borrowers

USD 1,535,932.83 Portfolio

Active Product

Solidario

536 Borrowers

USD 98,301.18 Portfolio

Active Product

Emprended.

274 Borrowers

USD 186,658.07 Portfolio

Active Product

Individual

30,054 Borrowers

USD 21,578,604.36 Portfolio

Active Product

Indiv. Vida

233 Borrowers

USD 82,092.15 Portfolio

Active Product

Preferencial

322 Borrowers

USD 1,463,939.66 Portfolio

Active Product

Triangular

1,556 Borrowers

USD 1,157,907.63 Portfolio

Active Product

Vivienda

2,043 Borrowers

USD 1,563,054.44 Portfolio

Active Product

Creer

46 Borrowers

USD 26,206.86 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
Credit Line (KHR)	KHR 50,000 - 1,000,000	3 - 24	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Other Training
Credit Line (THB)	THB 500 - 10,000	1 - 24	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Emergency Loan (KHR)	KHR 10,000 - 400,000	1 - 10	80% - 100%	0% - 20%	Other	Women, Men, Have home or land, Specific age group	Other Training
Emergency Loan (THB)	THB 500 - 4,000	1 - 10	80% - 100%	0% - 20%	Other	Women, Men, Have home or land	Credit Educ, Group Mtgs, Credit Ins
End of Term Loan (KHR)	KHR 10,000 - 1,000,000	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Group Mtgs, Other Training
End of Term Loan (THB)	THB 500 - 10,000	1 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
individual Inst ID (KHR)	KHR 400,000 - 8,000,000	3 - 18	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Other Training
Inst ID (THB)	THB 5,000 - 80,000	3 - 18	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ
Inst VB (THB)	THB 500 - 10,000	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Inst-ID USD	USD 500 - 2,000	3 - 18	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Other Training
Inst-VB (KHR)	KHR 10,000 - 1,000,000	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Have home or land, Specific age group	Credit Educ, Group Mtgs, Other Training
Seasonal Loan (KHR)	KHR 500,000 - 6,000,000	3 - 12	80% - 100%	0% - 20%	Any Purpose, For seasonal purpose only	Women, Men, Have business, Have home or land, Must have regular income for eligible monthly interest payment	Credit Educ, Group Mtgs
Seasonal Loan (THB)	THB 5,000 - 60,000	3 - 12	80% - 100%	0% - 20%	Any Purpose, Seasonal purpose only	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Seasonal Loan (USD)	USD 100 - 1,500	3 - 12	80% - 100%	0% - 20%	Any Purpose, Seasonal loan requirement only	Women, Men, Have business, Have home or land	Credit Educ, Group Mtgs, Credit Ins
Easy Loan (KHR)	KHR 10,000 - 1,000,000	1 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Salaried worker, Specific age group	Credit Educ, Other Training
Easy Loan (USD)	USD 50 - 250	3 - 12	80% - 100%	0% - 20%	Business	Women, Men, Have business, Specific age group	Credit Educ, Other Training

Loan Products » Conditions

Product Name	Loan Size Range	Loan Term (months)	% Female	% Urban	Loan Purpose	Eligibility	Other Services
Crédito Asalariado	USD 600 - 2,000	10 - 12	40% - 60%	80% - 100%	Any Purpose	Women, Men, Salaried worker	Credit Ins
Grupo Solidario	USD 400 - 800	6 - 12	80% - 100%	80% - 100%	Business	Women, Men, Have business	Credit Ins
Jovénes Emprendedores	USD 600 - 1,000	6 - 36	40% - 60%	80% - 100%	Business	Women, Men, Specific age group	Credit Ins
Microcrédito Individual	USD 400 - 20,000	10 - 36	60% - 80%	60% - 80%	Business	Women, Men, Have business	Credit Ins
Microcrédito Individual Vida	USD 400 - 20,000	6 - 36	40% - 60%	80% - 100%	Business	Women, Men, Have business, Specific age group	Credit Ins, Servicio de protección familiar en caso de fallecimiento del titular o conyuge, incapacidad total y permanente
Microcrédito Preferencial	USD 5,000 - 20,000	12 - 36	40% - 60%	80% - 100%	Business	Women, Men, Have business	Credit Ins
Microcrédito Triangular	USD 800 - 2,000	6 - 36	40% - 60%	80% - 100%	Business	Women, Men, Have business	Credit Ins
Microcrédito Vivienda	USD 1,000 - 20,000	6 - 36	40% - 60%	80% - 100%	Business, Housing	Women, Men, Have business, Have home or land	Credit Ins

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Credit Line (KHR)	36.0% annual, Decl Bal	1 Fee	None	N/A	34.1% - 36.6%	34.1% - 36.6%	100
Credit Line (THB)	33.6% annual, Decl Bal	1 Fee	None	N/A	34% - 34.2%	34% - 34.2%	98
Emergency Loan (KHR)	30.0% annual, Decl Bal	0 Fees	None	N/A	30% - 30.2%	30% - 30.2%	99
Emergency Loan (THB)	30.0% annual, Decl Bal	0 Fees	None	N/A	29.9% - 30.1%	29.9% - 30.1%	100
End of Term Loan (KHR)	36.0% annual, Decl Bal	1 Fee	None	N/A	36.5% - 37%	36.5% - 37%	98
End of Term Loan (THB)	33.6% annual, Decl Bal	1 Fee	None	N/A	33.6% - 34.2%	33.6% - 34.2%	98
individual Inst ID (KHR)	27.6%-36.0% annual, Decl Bal	1 Fee	None	N/A	31.9% - 37.1%	31.9% - 37.1%	81
Inst ID (THB)	27.6%-33.6% annual, Decl Bal	1 Fee	None	N/A	30.6% - 34.5%	30.6% - 34.5%	85
Inst VB (THB)	31.2% annual, Decl Bal	1 Fee	None	N/A	32.2% - 32.3%	32.2% - 32.3%	97
Inst-ID USD	26.4%-31.2% annual, Decl Bal	1 Fee	None	N/A	29.3% - 30.3%	29.3% - 30.3%	88
Inst-VB (KHR)	33.6% annual, Decl Bal	1 Fee	None	N/A	34.7% - 34.9%	34.7% - 34.9%	96
Seasonal Loan (KHR)	31.2%-36.0% annual, Decl Bal	1 Fee	None	N/A	33% - 37.5%	33% - 37.5%	88
Seasonal Loan (THB)	31.2%-36.0% annual, Decl Bal	1 Fee	None	N/A	30.6% - 34.2%	30.6% - 34.2%	95
Seasonal Loan (USD)	28.8%-32.4% annual, Decl Bal	1 Fee	None	N/A	30.6% - 33.5%	30.6% - 33.5%	90
Easy Loan (KHR)	30.0%-36.0% annual, Decl Bal	1 Fee	None	N/A	31.1% - 37.2%	31.1% - 37.2%	88
Easy Loan (USD)	27.6%-33.6% annual, Decl Bal	1 Fee	None	N/A	28.2% - 35.8%	28.2% - 35.8%	84

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Crédito Asalariado	15.2% annual, Decl Bal	1 Fee	None	N/A	15.4%	28.2% - 29.3%	53
Grupo Solidario	26.9% annual, Decl Bal	1 Fee	None	N/A	27.3%	40.2% - 41.6%	65
Jovénes Emprendedores	26.9% annual, Decl Bal	1 Fee	None	N/A	27.3%	39.4% - 40.5%	67
Microcrédito Individual	22.9%-26.9% annual, Decl Bal	1 Fee	None	N/A	24.9% - 27.3%	37.5% - 39.7%	59
Microcrédito Individual Vida	22.9%-26.9% annual, Decl Bal	0 Fees	None	N/A	27.3%	27.3%	84
Microcrédito Preferencial	21.0%-24.5% annual, Decl Bal	1 Fee	None	N/A	21.3% - 23.3%	24.6% - 26.9%	80
Microcrédito Triangular	26.9% annual, Decl Bal	1 Fee	None	N/A	27.3%	39.5% - 41.6%	66
Microcrédito Vivienda	22.9%-26.9% annual, Decl Bal	1 Fee	None	N/A	27.3%	39.2% - 40.1%	57

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Credit Line (KHR)	36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	34.1% - 36.6%	34.1% - 36.6%	100
Credit Line (THB)	33.6% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	34% - 34.2%	34% - 34.2%	98
Emergency Loan (KHR)	30.0% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	30% - 30.2%	30% - 30.2%	99
Emergency Loan (THB)	30.0% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	29.9% - 30.1%	29.9% - 30.1%	100
End of Term Loan (KHR)	36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	36.5% - 37%	36.5% - 37%	98
End of Term Loan (THB)	33.6% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	33.6% - 34.2%	33.6% - 34.2%	98
individual Inst ID (KHR)	27.6%-36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	31.9% - 37.1%	31.9% - 37.1%	81
Inst ID (THB)	27.6%-33.6% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	30.6% - 34.5%	30.6% - 34.5%	85
Inst VB (THB)	31.2% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	32.2% - 32.3%	32.2% - 32.3%	97
Inst-ID USD	26.4%-31.2% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	29.3% - 30.3%	29.3% - 30.3%	88
Inst-VB (KHR)	33.6% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	34.7% - 34.9%	34.7% - 34.9%	96
Seasonal Loan (KHR)	31.2%-36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	33% - 37.5%	33% - 37.5%	88
Seasonal Loan (THB)	31.2%-36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	30.6% - 34.2%	30.6% - 34.2%	95
Seasonal Loan (USD)	28.8%-32.4% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	30.6% - 33.5%	30.6% - 33.5%	90
Easy Loan (KHR)	30.0%-36.0% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	31.1% - 37.2%	31.1% - 37.2%	88
Easy Loan (USD)	27.6%-33.6% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	28.2% - 35.8%	28.2% - 35.8%	84

Loan Products » Pricing Information

Product Name	Annual Nominal Interest	Fees	Insurance	Taxes	Compulsory Deposit	APR (int+fee)	Full APR	Transparency Index
Crédito Asalariado	15.2% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	15.4%	28.2% - 29.3%	53
Grupo Solidario	26.9% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	27.3%	40.2% - 41.6%	65
Jovénes Emprendedores	26.9% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	27.3%	39.4% - 40.5%	67
Microcrédito Individual	22.9%-26.9% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	24.9% - 27.3%	37.5% - 39.7%	59
Microcrédito Individual Vida	22.9%-26.9% annual, Decl Bal	0 Fees	0 Ins Ins	None	N/A	27.3%	27.3%	84
Microcrédito Preferencial	21.0%-24.5% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	21.3% - 23.3%	24.6% - 26.9%	80
Microcrédito Triangular	26.9% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	27.3%	39.5% - 41.6%	66
Microcrédito Vivienda	22.9%-26.9% annual, Decl Bal	1 Fee	0 Ins Ins	None	N/A	27.3%	39.2% - 40.1%	57

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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

	X Axis
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	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


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By Country

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Institution

Institution

Institution Details

Institution Details

Loan Products » Summary

Loan Products » Summary

Loan Products » Conditions

Loan Products » Conditions

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Loan Products » Pricing Information

Institution Price Graph

Institution Price Graph

Total Borrowers of Samples

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