| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.sekamtrustghana.org/ |
| Year established | 2008 |
| Head of Institution | Siegfried Kofi Gbadago |
| Regions active | Greater Accra Region |
| # Branches | 2 |
| Total Portfolio (nat'l) | GHS 271,000 |
| Total Portfolio (USD) | USD 137,563.45 |
| Active clients with loans | 621 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | GCSCA, ASSFIN |
| Funders | Intent Foundation |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.sathapana.com/ |
| Year established | 1995 |
| Head of Institution | Dr. Bun Mony |
| Regions active | Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh KongKratié, Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo |
| # Branches | 88 |
| Total Portfolio (nat'l) | KHR 460,081,000,000 |
| Total Portfolio (USD) | USD 116,476,202.50 |
| Active clients with loans | 66,805 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | Cambodia Microfinance Assosiation (CMA) |
| Funders | Maruhan Japan Group, Cambodia Community Building (NGO) |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | GHS 500 - 3,000 | 2 - 12 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business, Usually must have run a business for at least 3 years | Credit Ins | |||||||
| Group Loan | GHS 200 - 500 | 3 - 6 | 80% - 100% | 0% - 20% | Business, Housing, Education | Women, Men, Have business | Book keeping training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balloon & Semi Balloon Loan USD | USD 50 - 25,000 | 1 - 12 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land | ||||||||
| Balloon & Semi Balloon Loan KHR | KHR 200,000 - 100,000,000 | 1 - 12 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land | ||||||||
| Micro Loan USD | USD 50 - 5,000 | 1 - 30 | 0% - 20% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land | ||||||||
| Micro Loan KHR | KHR 200,000 - 20,000,000 | 1 - 30 | 40% - 60% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land | ||||||||
| Group Loan KHR | KHR 200,000 - 1,500,000 | 1 - 12 | 80% - 100% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 60.00%-120.00% annual, Flat | 2 Fees | 1 Ins | None | 30.00% upfront | 124.5% - 151.3% | 230.8% - 268.3% | 23 | ||||||||
| Group Loan | 60.00%-96.00% annual, Flat | 2 Fees | 1 Ins | None | 20.00% upfront | 174% - 180% | 248.8% - 257.7% | 23 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balloon & Semi Balloon Loan USD | 18.0%-30.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 23.2% - 30.4% | 23.2% - 30.4% | 62 | ||||||||
| Balloon & Semi Balloon Loan KHR | 24.0%-42.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 30.3% - 36.2% | 30.3% - 36.2% | 74 | ||||||||
| Micro Loan USD | 21.6%-42.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 21.9% - 36.4% | 21.9% - 36.4% | 74 | ||||||||
| Micro Loan KHR | 27.6%-42.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 30.3% - 33.5% | 30.3% - 33.5% | 89 | ||||||||
| Group Loan KHR | 30.0%-42.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 30.3% - 36.4% | 30.3% - 36.4% | 87 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Business Loan | 60.00%-120.00% annual, Flat | 2 Fees | 1 Ins Ins | None | 30.00% upfront | 124.5% - 151.3% | 230.8% - 268.3% | 23 | ||||||||
| Group Loan | 60.00%-96.00% annual, Flat | 2 Fees | 1 Ins Ins | None | 20.00% upfront | 174% - 180% | 248.8% - 257.7% | 23 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Balloon & Semi Balloon Loan USD | 18.0%-30.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 23.2% - 30.4% | 23.2% - 30.4% | 62 | ||||||||
| Balloon & Semi Balloon Loan KHR | 24.0%-42.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 30.3% - 36.2% | 30.3% - 36.2% | 74 | ||||||||
| Micro Loan USD | 21.6%-42.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 21.9% - 36.4% | 21.9% - 36.4% | 74 | ||||||||
| Micro Loan KHR | 27.6%-42.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 30.3% - 33.5% | 30.3% - 33.5% | 89 | ||||||||
| Group Loan KHR | 30.0%-42.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 30.3% - 36.4% | 30.3% - 36.4% | 87 |
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