| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 2008 |
| Head of Institution | Luis Aníbal Tatés Fernández |
| Regions active | Carchi |
| # Branches | 2 |
| Total Portfolio (nat'l) | USD 908,092.58 |
| Total Portfolio (USD) | USD 908,092.58 |
| Active clients with loans | 727 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Red Financiera Rural, Unión Católica de Apoyo al Desarrollo |
| Funders |
| Institution Type | Private 'For-Profit' |
| Is this institution regulated? | Yes |
| Website address | http://www.hkl.com.kh/ |
| Year established | 1994 |
| Head of Institution | Hout Ieng Tong |
| Regions active | 0 |
| # Branches | 75 |
| Total Portfolio (nat'l) | KHR 41,569,985.26 |
| Total Portfolio (USD) | USD 10,392.50 |
| Active clients with loans | 47,287 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito EDàCATE | USD 100 - 3,030 | 6 - 30 | 80% - 100% | 60% - 80% | Consumer, Education | Women, Men, Salaried worker, Estudiantes con relación de dependencia. | N/A | |||||||
| Crédito PRODUCIR | USD 200 - 3,030 | 4 - 36 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business | Credit Educ, Tech Asst Visits, Business Training, Other Training, Formación y capacitación en diversos temas |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito EDàCATE | 15.2% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 15.7% - 16.2% | 16.7% - 17.2% | 89 | ||||||||
| Crédito PRODUCIR | 18.8% annual, Decl Bal | 0 Fees | 1 Ins | None | 12.5% upfront | 18.8% - 20% | 22.3% - 26.4% | 76 |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito EDàCATE | 15.2% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 15.7% - 16.2% | 16.7% - 17.2% | 89 | ||||||||
| Crédito PRODUCIR | 18.8% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | 12.5% upfront | 18.8% - 20% | 22.3% - 26.4% | 76 |
| 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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