Institution Type | Bank |
Is this institution regulated? | Yes |
Website address | http://www.equitybank.co.ke/ |
Year established | 1984 |
Head of Institution | Dr. James Mwangi |
Regions active | Central, Coast, Eastern, Nairobi, North Eastern, Nyanza, Rift Valley, Western |
# Branches | 112 |
Total Portfolio (nat'l) | KES 126,533,000,000 |
Total Portfolio (USD) | USD 1,528,176,329 |
Active clients with loans | 655,969 |
Approximate % female clients | 20% - 40% |
Approximate % urban clients | 40% - 60% |
Network affiliations | AMFI, WWB, MFN, GNBI |
Funders | Helios EB Investor LP (HELIOS), British-American Investments Company (Kenya) Ltd, IFC |
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 | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Commercial Loan | KES 100,000 - 4,000,000,000 | 1 - 36 | 20% - 40% | 0% - 20% | Agriculture, Purchase of farm inputs and farm machinery. | Women, Men, Must be in commercial farming for over a year, Active account with Equity | Credit Ins | |||||||
Asset Finance Loan | KES 100,000 - 4,000,000,000 | 1 - 48 | 20% - 40% | 40% - 60% | Business, Loan specifically used for purchase of assets. | Women, Men, Equity customer for at least a month or other bank statement, Purchased asset is used as loan security | Credit Ins | |||||||
Biashara Imara Loan | KES 5,000 - 500,000 | 1 - 18 | 20% - 40% | 20% - 40% | Business | Women, Men, Have business, Operated the business for over a year | Credit Ins, Tech Asst Visits, Business Training | |||||||
Business Loan | KES 300,000 - 4,000,000,000 | 1 - 60 | 20% - 40% | 40% - 60% | Business | Women, Men, Have business, Operated the business for over a year, Active account for over 6 mos with Equity or other bank | Credit Ins | |||||||
Fanikisha - Imara - Loan | KES 30,000 - 500,000 | 1 - 18 | 100% | 20% - 40% | Business | Women, Have business | Credit Ins, Tech Asst Visits, Business Training, Access to business improvement training at discount rates. | |||||||
Fanikisha - Shaba - Loan | KES 1,000 - 300,000 | 6 - 18 | 100% | 0% - 20% | Business | Women | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training | |||||||
Farm Input Loan | KES 1,000 - 100,000 | 1 - 12 | 20% - 40% | 0% | Business, Purchase of farm inputs | Women, Men, Must be in small scale or commercial farming, Active Equity Bank account | Credit Ins | |||||||
Insurance Premium Finance Loan | KES 5,000 - 4,000,000,000 | 4 - 10 | 0% - 20% | 40% - 60% | Can only be used for financing insurance premiums. | Women, Men | ||||||||
Vijana Business Loan | KES 1,000 - 100,000 | 1 - 12 | 20% - 40% | 20% - 40% | Business | Women, Men, Have business, Specific age group, Must have undergone group training, Mustbe 18-35 years old | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other 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 | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Commercial Loan | 18.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 21.3% - 24.9% | 21.7% - 26.5% | 77 | ||||||||
Asset Finance Loan | 8.5%-10.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 20% - 20.8% | 20.4% - 21.5% | 40 | ||||||||
Biashara Imara Loan | 20.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 37.4% - 44% | 38.5% - 46.3% | 49 | ||||||||
Business Loan | 18.0%-20.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 21.3% - 25% | 21.8% - 26.2% | 75 | ||||||||
Fanikisha - Imara - Loan | 20.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 36.8% - 44.3% | 37.7% - 46.6% | 49 | ||||||||
Fanikisha - Shaba - Loan | 20.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 10.0% upfront | 35.7% - 41.9% | 43.9% - 52.7% | 42 | ||||||||
Farm Input Loan | 19.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 25.6% - 40.3% | 27.1% - 41.6% | 57 | ||||||||
Insurance Premium Finance Loan | 12.6%-13.5% annual, Flat | 0 Fees | 0 Ins | None | N/A | 27.2% - 27.3% | 27.2% - 27.3% | 46 | ||||||||
Vijana Business Loan | 8.0% annual, Flat | 1 Fee | 1 Ins | None | 15.0% upfront | 13.4% - 13.9% | 20.3% - 21.8% | 38 |
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 | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Commercial Loan | 18.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 21.3% - 24.9% | 21.7% - 26.5% | 77 | ||||||||
Asset Finance Loan | 8.5%-10.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 20% - 20.8% | 20.4% - 21.5% | 40 | ||||||||
Biashara Imara Loan | 20.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 37.4% - 44% | 38.5% - 46.3% | 49 | ||||||||
Business Loan | 18.0%-20.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 21.3% - 25% | 21.8% - 26.2% | 75 | ||||||||
Fanikisha - Imara - Loan | 20.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 36.8% - 44.3% | 37.7% - 46.6% | 49 | ||||||||
Fanikisha - Shaba - Loan | 20.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 10.0% upfront | 35.7% - 41.9% | 43.9% - 52.7% | 42 | ||||||||
Farm Input Loan | 19.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 25.6% - 40.3% | 27.1% - 41.6% | 57 | ||||||||
Insurance Premium Finance Loan | 12.6%-13.5% annual, Flat | 0 Fees | 0 Ins Ins | None | N/A | 27.2% - 27.3% | 27.2% - 27.3% | 46 | ||||||||
Vijana Business Loan | 8.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 15.0% upfront | 13.4% - 13.9% | 20.3% - 21.8% | 38 |
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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