2. COAC 4 Octubre
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  2. PRASAC
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Institution

Cooperativa de Ahorro y Credito 4 de Octubre Ltda Avda. Atahualpa s/n via a BañosAvda. Cordovez y Juan LarreaRiobamba, Chimborazo06-01-1471
Data approved: 2011-11-01
Data version: 1
Age of data: 164 months

Institution

PRASAC #25, St 294 & 57, Boeung Kengkang1ChamkarmonPhnom Penh, Phnom Penh2224
Data approved: 2011-02-03
Data version: 2
Age of data: -   months 
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Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?No
Website addressN/A
Year established1996
Head of InstitutionYolanda Haro Davila
Regions active
# Branches7

Total Portfolio (nat'l)USD 7,934,963.10
Total Portfolio (USD)USD 7,934,963.10
Active clients with loans2,059
Approximate % female clients20% - 40%
Approximate % urban clients20% - 40%
Network affiliationsRed Financiera Rural, Ucaccentro
FundersRed Financiera Rural, Ucaccentro

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.prasac.com.kh/
Year established1995
Head of InstitutionSim Senacheert
Regions active0
# Branches91

Total Portfolio (nat'l)KHR 425,374,000,000
Total Portfolio (USD)USD 106,343,395.50
Active clients with loans105,953
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliations
FundersDragon Capital Group, FMO, BIO, LOLC

Loan Products » Summary

Emergente
293 Borrowers
USD 88,635 Portfolio
Active Product
Microcredito
2,001 Borrowers
USD 5,683,091 Portfolio
Active Product

Loan Products » Summary

Agric USD
7,530 Borrowers
USD 32,589,623,046 Portfolio
Active Product
Agric KHR
32,809 Borrowers
USD 15,040,695.91 Portfolio
Active Product
Biodigester
1,206 Borrowers
USD 379,333 Portfolio
Active Product
Business KHR
15,589 Borrowers
USD 10,153,398.68 Portfolio
Active Product
Business USD
21,300 Borrowers
USD 178,585,000,000 Portfolio
Active Product
Consume KHR
4,406 Borrowers
USD 1,881,218.50 Portfolio
Active Product
Consume USD
8,421 Borrowers
USD 39,161,997,362 Portfolio
Active Product
Group KHR
13,682 Borrowers
USD 2,448,051.88 Portfolio
Active Product
Group USD
489 Borrowers
USD 402,575,648 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credi - Emergente USD 200 - 500 3 - 8 40% - 60% 40% - 60% Any Purpose Women, Men, Have business, Have home or land, Salaried worker, Hacer un ahorro mensual de minimo 10,00 mensuales durante 1 año.
Microcredito USD 100 - 20,000 1 - 48 80% - 100% 60% - 80% Business Women, Men, Have business, Have home or land, Salaried worker Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Production Loan (USD) USD 75 - 25,000 4 - 26 40% - 60% 0% - 20% Business, Agricultural Production Have home or land Credit Educ
Agricultural Production Loan (KHR) KHR 300,000 - 40,000,000 4 - 26 40% - 60% 0% - 20% Business, Agricultural Production Have home or land Credit Educ
Biodigester Loan (USD) USD 75 - 1,000 0 20% - 40% 0% - 20%
Business Loan (KHR) KHR 300,000 - 40,000,000 4 - 26 40% - 60% 0% - 20% Business Have business, Have home or land Credit Educ
Business Loan (USD) USD 75 - 25,000 4 - 26 40% - 60% 0% - 20% Business Have business, Have home or land Credit Educ
Consumption Loan (KHR) KHR 300,000 - 40,000,000 4 - 26 40% - 60% 0% - 20% Housing, Consumer, Education Have business, Have home or land Credit Educ
Consumption Loan (USD) USD 75 - 10,000 4 - 26 40% - 60% 0% - 20% Housing, Consumer, Education Have business, Have home or land Credit Educ
Group Loan (KHR) KHR 50,000 - 5,000,000 4 - 12 80% - 100% 80% - 100% Any Purpose Group Mtgs
Group Loan (USD) USD 15 - 1,250 4 - 12 80% - 100% 80% - 100% Any Purpose Group Mtgs

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credi - Emergente 19.0% annual, Decl Bal 0 Fees 1 Ins None 10.00 ongoing 0% 0% N/A
Microcredito 18.0% annual, Decl Bal 0 Fees 1 Ins None 5.00 ongoing 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Production Loan (USD) 19.2%-32.4% annual, Decl Bal 0 Fees 0 Ins None N/A 23.1% - 32.9% 23.1% - 32.9% 67
Agricultural Production Loan (KHR) 25.2%-34.8% annual, Decl Bal 0 Fees 0 Ins None N/A 28% - 35.3% 28% - 35.3% 78
Biodigester Loan (USD) 1.2% annual, Decl Bal 0 Fees 0 Ins None N/A 9.1% - 14.6% 9.1% - 14.6% 9
Business Loan (KHR) 25.2%-34.8% annual, Decl Bal 0 Fees 0 Ins None N/A 28% - 35.3% 28% - 35.3% 79
Business Loan (USD) 19.2%-32.4% annual, Decl Bal 0 Fees 0 Ins None N/A 23.1% - 32.7% 23.1% - 32.7% 68
Consumption Loan (KHR) 25.2%-34.8% annual, Decl Bal 0 Fees 0 Ins None N/A 28% - 35.3% 28% - 35.3% 77
Consumption Loan (USD) 21.6%-32.4% annual, Flat 0 Fees 0 Ins None N/A 22.9% - 32.8% 22.9% - 32.8% 76
Group Loan (KHR) 39.0% annual, Decl Bal 0 Fees 0 Ins None N/A 32.8% - 35.3% 32.8% - 35.3% 100
Group Loan (USD) 32.4% annual, Decl Bal 0 Fees 0 Ins None N/A 30.4% - 32.8% 30.4% - 32.8% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credi - Emergente 19.0% annual, Decl Bal 0 Fees 1 Ins Ins None 10.00 ongoing 0% 0% N/A
Microcredito 18.0% annual, Decl Bal 0 Fees 1 Ins Ins None 5.00 ongoing 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Production Loan (USD) 19.2%-32.4% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 23.1% - 32.9% 23.1% - 32.9% 67
Agricultural Production Loan (KHR) 25.2%-34.8% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 28% - 35.3% 28% - 35.3% 78
Biodigester Loan (USD) 1.2% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 9.1% - 14.6% 9.1% - 14.6% 9
Business Loan (KHR) 25.2%-34.8% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 28% - 35.3% 28% - 35.3% 79
Business Loan (USD) 19.2%-32.4% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 23.1% - 32.7% 23.1% - 32.7% 68
Consumption Loan (KHR) 25.2%-34.8% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 28% - 35.3% 28% - 35.3% 77
Consumption Loan (USD) 21.6%-32.4% annual, Flat 0 Fees 0 Ins Ins None N/A 22.9% - 32.8% 22.9% - 32.8% 76
Group Loan (KHR) 39.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 32.8% - 35.3% 32.8% - 35.3% 100
Group Loan (USD) 32.4% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 30.4% - 32.8% 30.4% - 32.8% 100
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# Countries
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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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