Institution Type | Bank |
Is this institution regulated? | Yes |
Website address | http://www.jamiibora.org/ |
Year established | 1999 |
Head of Institution | Mr Samuel Kimani |
Regions active | Central, Coast, Eastern, Nairobi, Nyanza, Rift Valley, Western |
# Branches | 58 |
Total Portfolio (nat'l) | KES 279,407,650 |
Total Portfolio (USD) | USD 3,374,488.53 |
Active clients with loans | 2,446 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 60% - 80% |
Network affiliations | |
Funders |
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 |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Daraja Individual | KES 100,001 - 500,000 | 6 - 24 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business, Must have taken at least 3 Micro Individual loans with a perfect repayment rate. | Credit Educ, Credit Ins, Business Training | |||||||
Micro Individual | KES 5,000 - 100,000 | 1 - 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business, Must have saved money in a Jamii Bora account for at least six weeks | Credit Educ, Credit Ins, Business Training | |||||||
Daraja Group | KES 100,000 - 500,000 | 24 | 20% - 40% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training | |||||||
Micro Group | KES 5,000 - 100,000 | 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training |
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 | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Daraja Individual | 20.0% annual, Flat | 1 Fee | 1 Ins | None | 20.0% upfront | 35.2% | 52.1% - 52.2% | 38 | ||||||||
Micro Individual | 22.0% annual, Flat | 1 Fee | 1 Ins | None | 20.0% upfront | 39.4% - 40.1% | 61.1% - 63.2% | 35 | ||||||||
Daraja Group | 20.0% annual, Flat | 1 Fee | 1 Ins | None | 30.0%-50.0% upfront | 36.8% - 37.2% | 69.7% - 70.8% | 28 | ||||||||
Micro Group | 22.0% annual, Flat | 1 Fee | 1 Ins | None | 30.0%-50.0% upfront | 42.7% - 42.8% | 89.2% | 25 |
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 | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Daraja Individual | 20.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.0% upfront | 35.2% | 52.1% - 52.2% | 38 | ||||||||
Micro Individual | 22.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.0% upfront | 39.4% - 40.1% | 61.1% - 63.2% | 35 | ||||||||
Daraja Group | 20.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 30.0%-50.0% upfront | 36.8% - 37.2% | 69.7% - 70.8% | 28 | ||||||||
Micro Group | 22.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 30.0%-50.0% upfront | 42.7% - 42.8% | 89.2% | 25 |
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 |
Key Statistics | |
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% Products with one or more insurances | |
% Products with compulsory deposits |
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