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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: 131 months

Institution

Hofokam Ltd Head OfficeFort Portal, Western UgandaPO Box 228
Data approved: 2012-07-24
Data version: 2
Age of data: 136 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.amkcambodia.com/
Year established2003
Head of InstitutionKea Borann
Regions activeBanteay 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
# Branches113

Total Portfolio (nat'l)KHR 236,703,000,000
Total Portfolio (USD)USD 59,924,810.13
Active clients with loans297,613
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsCMA, SPTF
FundersAgora, Concern

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established2003
Head of InstitutionCharles Isingoma
Regions activeWestern
# Branches7

Total Portfolio (nat'l)UGX 11,983,000,000
Total Portfolio (USD)USD 4,745,742.57
Active clients with loans20,908
Approximate % female clients40% - 60%
Approximate % urban clients60% - 80%
Network affiliationsAMFIU, AMT, MFI Upgrading Initiative
FundersTriple Jump, Oikocredit, TRIAS, CRS

Loan Products » Summary

84,992 Borrowers
USD 17,797,287.24 Portfolio
Active Product
5,761 Borrowers
USD 1,606,561.09 Portfolio
Active Product
4,029 Borrowers
USD 361,651.90 Portfolio
Active Product
107 Borrowers
USD 12,797.90 Portfolio
Active Product
98,446 Borrowers
USD 18,040,572.30 Portfolio
Active Product
1,837 Borrowers
USD 437,073.02 Portfolio
Active Product
5,079 Borrowers
USD 2,962,841.98 Portfolio
Active Product
119 Borrowers
USD 111,709.86 Portfolio
Active Product
1,670 Borrowers
USD 320,495.59 Portfolio
Active Product
2,801 Borrowers
USD 2,559,297.12 Portfolio
Active Product
65,323 Borrowers
USD 9,910,460.58 Portfolio
Active Product
10,468 Borrowers
USD 7,060,414.41 Portfolio
Active Product
733 Borrowers
USD 869,265.42 Portfolio
Active Product
934 Borrowers
USD 825,304 Portfolio
Active Product
3,096 Borrowers
USD 462,791.11 Portfolio
Active Product
2,814 Borrowers
USD 446,098 Portfolio
Active Product

Loan Products » Summary

2,506 Borrowers
USD 249,259.05 Portfolio
Active Product
2,951 Borrowers
USD 1,777,613.89 Portfolio
Active Product
573 Borrowers
USD 228,537.39 Portfolio
Active Product
140 Borrowers
USD 127,700.42 Portfolio
Active Product
1,278 Borrowers
USD 138,744.51 Portfolio
Active Product
9,843 Borrowers
USD 622,744.60 Portfolio
Active Product

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
Agriculture Loan UGX 50,000 - 15,000,000 6 - 12 60% - 80% 20% - 40% Business Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Individual Loan UGX 500,000 - 10,000,000 6 - 24 20% - 40% 20% - 40% Business, Housing, Education Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Salary Loan UGX 250,000 - 10,000,000 6 - 12 20% - 40% 20% - 40% Housing, Consumer, Education Women, Men, Salaried worker, Specific age group Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
School Fees Loan UGX 700,000 - 1,500,000 6 - 8 20% - 40% 20% - 40% Education Women, Men, Have business Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Solidarity Group Loan UGX 200,000 - 500,000 4 - 12 60% - 80% 40% - 60% Business, Consumer, Education Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Village Bank Loan UGX 50,000 - 5,000,000 4 - 12 40% - 60% 0% - 20% Business, Consumer, Education Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Tech Asst Visits, Business Training

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 None N/A 34.1% - 36.6% 34.1% - 36.6% 100
Credit Line (THB) 33.6% annual, Decl Bal 1 Fee 0 Ins None N/A 34% - 34.2% 34% - 34.2% 98
Emergency Loan (KHR) 30.0% annual, Decl Bal 0 Fees 0 Ins None N/A 30% - 30.2% 30% - 30.2% 99
Emergency Loan (THB) 30.0% annual, Decl Bal 0 Fees 0 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 None N/A 36.5% - 37% 36.5% - 37% 98
End of Term Loan (THB) 33.6% annual, Decl Bal 1 Fee 0 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 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 None N/A 30.6% - 34.5% 30.6% - 34.5% 85
Inst VB (THB) 31.2% annual, Decl Bal 1 Fee 0 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 None N/A 29.3% - 30.3% 29.3% - 30.3% 88
Inst-VB (KHR) 33.6% annual, Decl Bal 1 Fee 0 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 None N/A 33% - 37.5% 33% - 37.5% 88
Seasonal Loan (THB) 31.2%-36.0% annual, Decl Bal 1 Fee 0 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 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 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 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
Agriculture Loan 33.60% annual, Flat 1 Fee 1 Ins None 20.00% upfront 32.8% - 56% 41.2% - 93.3% 54
Individual Loan 30.00% annual, Flat 1 Fee 1 Ins None N/A 60.1% - 61.1% 61.2% - 79.9% 44
Salary Loan 33.60% annual, Flat 1 Fee 1 Ins None N/A 38.8% - 41% 39.2% - 45.8% 81
School Fees Loan 33.60% annual, Flat 1 Fee 1 Ins None N/A 61.2% - 61.6% 66.1% - 76.2% 47
Solidarity Group Loan 36.00% annual, Flat 1 Fee 1 Ins None 20.00% upfront 64.2% - 65.3% 82.1% - 90.9% 41
Village Bank Loan 36.00% annual, Flat 1 Fee 1 Ins None 20.00% upfront 64.4% - 64.7% 67% - 69.1% 52

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
Agriculture Loan 33.60% annual, Flat 1 Fee 1 Ins Ins None 20.00% upfront 32.8% - 56% 41.2% - 93.3% 54
Individual Loan 30.00% annual, Flat 1 Fee 1 Ins Ins None N/A 60.1% - 61.1% 61.2% - 79.9% 44
Salary Loan 33.60% annual, Flat 1 Fee 1 Ins Ins None N/A 38.8% - 41% 39.2% - 45.8% 81
School Fees Loan 33.60% annual, Flat 1 Fee 1 Ins Ins None N/A 61.2% - 61.6% 66.1% - 76.2% 47
Solidarity Group Loan 36.00% annual, Flat 1 Fee 1 Ins Ins None 20.00% upfront 64.2% - 65.3% 82.1% - 90.9% 41
Village Bank Loan 36.00% annual, Flat 1 Fee 1 Ins Ins None 20.00% upfront 64.4% - 64.7% 67% - 69.1% 52
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