Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://visionfund.com.kh/ |
Year established | 2003 |
Head of Institution | Chee Chin Hoe |
Regions active | Phnom Penh |
# Branches | 69 |
Total Portfolio (nat'l) | KHR 123,204,000,000 |
Total Portfolio (USD) | USD 31,485,816.51 |
Active clients with loans | 109,402 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 0% - 20% |
Network affiliations | VisionFund International, Banking With the Poor Network, Cambodia Microfinance Association |
Funders |
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 |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Loan - Community Bank - USD | USD 20 - 350 | 3 - 12 | 80% - 100% | 0% - 20% | Business | Women, Men, Have home or land, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
Agricultural Loan - Community Bank - KHR | KHR 80,000 - 1,400,000 | 3 - 12 | 80% - 100% | 0% - 20% | Business | Women, Men, Have home or land, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
Agricultural Loan - Individual - USD | USD 1,001 - 10,000 | 3 - 24 | 80% - 100% | 0% - 20% | Business | Women, Men, Have home or land, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
Agricultural Loan - Solidarity Group - USD | USD 251 - 1,000 | 3 - 18 | 80% - 100% | 0% - 20% | Business | Women, Men, Have home or land, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
Agricultural Loan - Solidarity Group - KHR | KHR 1,000,100 - 4,000,000 | 3 - 18 | 80% - 100% | 0% - 20% | Business | Women, Men, Have home or land, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
Non-Business Loan - Individual - USD | USD 1,001 - 10,000 | 3 - 24 | 80% - 100% | 0% - 20% | Consumer | Women, Men, Have business, Have home or land, Salaried worker, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
Non-Business Loan - Solidarity Group - USD | USD 251 - 1,000 | 3 - 18 | 80% - 100% | 0% - 20% | Consumer | Women, Men, Have business, Have home or land, Salaried worker, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
Small Business Loan - Community Bank - KHR | KHR 80,000 - 1,400,000 | 3 - 12 | 80% - 100% | 0% - 20% | Business | Women, Men, Have home or land, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
Small Business Loan - Individual - USD | USD 1,001 - 10,000 | 3 - 24 | 80% - 100% | 0% - 20% | Business | Women, Men, Have home or land, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
Small Business Loan - Solidarity Group - USD | USD 251 - 1,000 | 3 - 18 | 80% - 100% | 0% - 20% | Business | Women, Men, Have home or land, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
Small Business Loan - Solidarity Group - KHR | KHR 1,000,100 - 4,000,000 | 3 - 18 | 80% - 100% | 0% - 20% | Business | Women, Men, Have home or land, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
Non-Business Loan - Community Bank - KHR | KHR 80,000 - 1,400,000 | 3 - 12 | 0% | 0% | Consumer | Women, Men, Have business, Have home or land, Salaried worker, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
Asset Creation Loan - Community Bank - USD | USD 20 - 350 | 3 - 12 | 0% | 0% | Consumer | Women, Men, Have business, Have home or land, Salaried worker, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
Non-Business Loan - Solidarity Group - KHR | KHR 1,000,100 - 4,000,000 | 3 - 18 | 80% - 100% | 0% - 20% | Consumer | Women, Men, Have business, Have home or land, Salaried worker, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
Express Loan - Community Bank - KHR | KHR 80,000 - 1,000,000 | 3 - 6 | 80% - 100% | 0% - 20% | Other | Women, Men, Have business, Have home or land, Salaried worker, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training | |||||||
Small Business Loan - Community Bank - USD | USD 20 - 350 | 3 - 12 | 0% | 0% | Business | Women, Men, Have home or land, Specific age group | Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training |
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 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Loan - Community Bank - USD | 34.2%-42.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 34.5% - 35.8% | 34.5% - 35.8% | 97 | ||||||||
Agricultural Loan - Community Bank - KHR | 36.0%-42.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 36% - 36.1% | 36% - 36.1% | 99 | ||||||||
Agricultural Loan - Individual - USD | 21.6%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 22.8% - 32.5% | 22.8% - 32.5% | 85 | ||||||||
Agricultural Loan - Solidarity Group - USD | 33.6%-42.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 36.2% - 36.6% | 36.2% - 36.6% | 92 | ||||||||
Agricultural Loan - Solidarity Group - KHR | 35.4%-42.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 35.2% - 35.5% | 35.3% - 35.5% | 100 | ||||||||
Non-Business Loan - Individual - USD | 21.6%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 22.8% - 32.5% | 22.8% - 32.5% | 85 | ||||||||
Non-Business Loan - Solidarity Group - USD | 33.6%-42.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 33.7% - 36.3% | 33.7% - 36.3% | 97 | ||||||||
Small Business Loan - Community Bank - KHR | 36.0%-42.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 35.8% - 36.1% | 35.8% - 36.1% | 100 | ||||||||
Small Business Loan - Individual - USD | 21.6%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 22.9% - 31.4% | 22.9% - 31.4% | 86 | ||||||||
Small Business Loan - Solidarity Group - USD | 33.6%-42.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 29.9% - 34.1% | 29.9% - 34.1% | 100 | ||||||||
Small Business Loan - Solidarity Group - KHR | 35.4%-42.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 35.3% - 35.7% | 35.3% - 35.7% | 100 | ||||||||
Non-Business Loan - Community Bank - KHR | 36.0%-42.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 35.8% - 36.1% | 35.8% - 36.1% | 100 | ||||||||
Asset Creation Loan - Community Bank - USD | 34.2%-42.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 34.9% - 36.5% | 34.9% - 36.5% | 95 | ||||||||
Non-Business Loan - Solidarity Group - KHR | 35.4%-42.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 35.2% - 35.5% | 35.3% - 35.5% | 100 | ||||||||
Express Loan - Community Bank - KHR | 31.2% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 31.5% | 31.5% | 98 | ||||||||
Small Business Loan - Community Bank - USD | 34.2%-42.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 36.1% - 37.4% | 36.1% - 37.4% | 93 |
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 | None | N/A | 15.4% | 28.2% - 29.3% | 53 | ||||||||
Grupo Solidario | 26.9% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 27.3% | 40.2% - 41.6% | 65 | ||||||||
Jovénes Emprendedores | 26.9% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 27.3% | 39.4% - 40.5% | 67 | ||||||||
Microcrédito Individual | 22.9%-26.9% annual, Decl Bal | 1 Fee | 0 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 | None | N/A | 27.3% | 27.3% | 84 | ||||||||
Microcrédito Preferencial | 21.0%-24.5% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 21.3% - 23.3% | 24.6% - 26.9% | 80 | ||||||||
Microcrédito Triangular | 26.9% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 27.3% | 39.5% - 41.6% | 66 | ||||||||
Microcrédito Vivienda | 22.9%-26.9% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 27.3% | 39.2% - 40.1% | 57 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Loan - Community Bank - USD | 34.2%-42.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 34.5% - 35.8% | 34.5% - 35.8% | 97 | ||||||||
Agricultural Loan - Community Bank - KHR | 36.0%-42.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 36% - 36.1% | 36% - 36.1% | 99 | ||||||||
Agricultural Loan - Individual - USD | 21.6%-36.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 22.8% - 32.5% | 22.8% - 32.5% | 85 | ||||||||
Agricultural Loan - Solidarity Group - USD | 33.6%-42.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 36.2% - 36.6% | 36.2% - 36.6% | 92 | ||||||||
Agricultural Loan - Solidarity Group - KHR | 35.4%-42.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 35.2% - 35.5% | 35.3% - 35.5% | 100 | ||||||||
Non-Business Loan - Individual - USD | 21.6%-36.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 22.8% - 32.5% | 22.8% - 32.5% | 85 | ||||||||
Non-Business Loan - Solidarity Group - USD | 33.6%-42.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 33.7% - 36.3% | 33.7% - 36.3% | 97 | ||||||||
Small Business Loan - Community Bank - KHR | 36.0%-42.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 35.8% - 36.1% | 35.8% - 36.1% | 100 | ||||||||
Small Business Loan - Individual - USD | 21.6%-36.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 22.9% - 31.4% | 22.9% - 31.4% | 86 | ||||||||
Small Business Loan - Solidarity Group - USD | 33.6%-42.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 29.9% - 34.1% | 29.9% - 34.1% | 100 | ||||||||
Small Business Loan - Solidarity Group - KHR | 35.4%-42.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 35.3% - 35.7% | 35.3% - 35.7% | 100 | ||||||||
Non-Business Loan - Community Bank - KHR | 36.0%-42.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 35.8% - 36.1% | 35.8% - 36.1% | 100 | ||||||||
Asset Creation Loan - Community Bank - USD | 34.2%-42.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 34.9% - 36.5% | 34.9% - 36.5% | 95 | ||||||||
Non-Business Loan - Solidarity Group - KHR | 35.4%-42.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 35.2% - 35.5% | 35.3% - 35.5% | 100 | ||||||||
Express Loan - Community Bank - KHR | 31.2% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 31.5% | 31.5% | 98 | ||||||||
Small Business Loan - Community Bank - USD | 34.2%-42.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 36.1% - 37.4% | 36.1% - 37.4% | 93 |
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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