2. KBL
Please note that the information you are viewing is 107 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Chamroeun
Please note that the information you are viewing is 113 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Khushhali Bank Limited 4th Floor, 94 west, Jinnah AvenueIslamabad, Federal44000
Data approved: 2015-04-20
Data version: 2
Age of data: 107 months
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Institution

Chamroeun Microfinance Limited # 425, St.271, Sangkat Toul Tumpong IIKhan ChamkarmonPhnom penh, Cambodia
Data approved: 2015-01-06
Data version: 4
Age of data: 113 months
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Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.khushhalibank.com.pk
Year established2000
Head of InstitutionMuhammad Ghalib Nishtar
Regions activeAzad Kashmir, Balochistan, Islambad Capital Territory, Khyber Pakhtunkwa, Punjab, Sindh
# Branches118

Total Portfolio (nat'l)PKR 12,225,321,747
Total Portfolio (USD)USD 120,052,659.60
Active clients with loans468,369
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliationsPakistan Microfinance Network
Funders

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.chamroeun.com/
Year established2006
Head of InstitutionSophea Suon
Regions activeBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, KepKratié, Phnom Penh, Pursat, Prey VengSiem Reap, Takéo
# Branches40

Total Portfolio (nat'l)KHR 29,549,677,100
Total Portfolio (USD)USD 7,480,930.91
Active clients with loans48,192
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsCMA, BWTP, Mix Market, SPTF
FundersEntrepreneurs du Monde, Microfinance Solidaire, Grameen Credit Agrole Microfinance Foundation, Chamroeun Staff Association

Loan Products » Summary

KK-B
343,540 Borrowers
USD 79,107,071.05 Portfolio
Active Product
KK-E
82,054 Borrowers
USD 11,000,790.24 Portfolio
Active Product
KCS-GB
37,616 Borrowers
USD 24,892,618.49 Portfolio
Active Product
KCS-LB
2,583 Borrowers
USD 2,774,465.35 Portfolio
Active Product
Sarsabz
1,197 Borrowers
USD 1,243,785.24 Portfolio
Active Product
KCS-GE
314 Borrowers
USD 150,120.70 Portfolio
Low Volume Product
Cash
134 Borrowers
USD 121,558.08 Portfolio
Low Volume Product
Paper
19 Borrowers
USD 10,168.69 Portfolio
Low Volume Product
Qarza
213 Borrowers
USD 157,569.75 Portfolio
Low Volume Product
EMI
409 Borrowers
USD 279,344.66 Portfolio
Low Volume Product
School
18 Borrowers
USD 24,215.22 Portfolio
Low Volume Product
Livestock
65 Borrowers
USD 68,621.18 Portfolio
Low Volume Product
EMI Liv
16 Borrowers
USD 18,341.32 Portfolio
Low Volume Product
Karabor
74 Borrowers
USD 16,249.51 Portfolio
Low Volume Product
Sarmaya
109 Borrowers
USD 210,846.23 Portfolio
Low Volume Product
Sahulat L
8 Borrowers
USD 6,849.99 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

CL
24,027 Borrowers
USD 3,284,447.37 Portfolio
Active Product
DL
12,376 Borrowers
USD 3,135,506.05 Portfolio
Active Product
EL
11,779 Borrowers
USD 1,060,445.85 Portfolio
Active Product
SEL
10 Borrowers
USD 531.65 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Khushhali Karza - Bullet (Group Based Lending) PKR 15,000 - 50,000 3 - 12 20% - 40% 0% - 20% Business, Agriculture Women, Men, Have business Group Mtgs, Credit Ins
Khushhali Karza - EMI (Group Based Lending) PKR 15,000 - 50,000 3 - 12 20% - 40% 40% - 60% Business, Agriculture Women, Men, Have business Group Mtgs, Credit Ins
Khushhali Cash Sahulat Gold-Bullet PKR 25,000 - 150,000 3 - 12 0% - 20% 20% - 40% Business Women, Men, Have business Credit Ins
Khushhali Cash Sahulat Land-Bullet PKR 25,000 - 150,000 3 - 12 0% - 20% 0% Business, Agriculture Women, Men, Have business Credit Ins
Sarsabz Karobar Bullet PKR 25,000 - 150,000 3 - 6 0% - 20% 20% - 40% Business, Agriculture Women, Men, Have business Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Chamroeun Loan KHR 100,000 - 1,600,000 3 - 12 80% - 100% 20% - 40% Business, Agriculture Women, Men, Have business, Have home or land Credit Educ, Tech Asst Visits, Business Training, Other Training, Social training ( health, nutrition, domestic violence, waste management)
Developing Loan KHR 100,000 - 1,000,000 3 - 12 80% - 100% 20% - 40% Business, Agriculture Women, Men, Have business Credit Educ, Tech Asst Visits, Business Training, Other Training, Social training ( health, nutrition, domestic violence, waste management)
Entrepreneurs Loan KHR 1,200,000 - 4,000,000 3 - 18 80% - 100% 20% - 40% Business, Agriculture Women, Men, Have business, Have home or land Tech Asst Visits, Business Training, Other Training, Social training ( health, nutrition, domestic violence, waste management)

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Khushhali Karza - Bullet (Group Based Lending) 31.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 29.6% - 36% 30% - 37.4% 92
Khushhali Karza - EMI (Group Based Lending) 31.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 35.5% - 44.3% 36.3% - 46.6% 78
Khushhali Cash Sahulat Gold-Bullet 28.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 26.3% - 31% 26.5% - 31.9% 97
Khushhali Cash Sahulat Land-Bullet 25.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 23.4% - 28.5% 23.5% - 29.4% 97
Sarsabz Karobar Bullet 25.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 24.9% - 29.1% 25.1% - 30% 95

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Chamroeun Loan 42.0% annual, Decl Bal 1 Fee 0 Ins None N/A 45.6% - 52.4% 45.6% - 52.4% 88
Developing Loan 39.0% annual, Decl Bal 1 Fee 0 Ins None N/A 42.7% - 53.8% 42.7% - 53.8% 86
Entrepreneurs Loan 39.0% annual, Decl Bal 1 Fee 0 Ins None N/A 41.5% - 43.8% 41.5% - 43.8% 92

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Khushhali Karza - Bullet (Group Based Lending) 31.0% annual, Decl Bal 1 Fee 0 Ins Ins 16.00% fees N/A 29.6% - 36% 30% - 37.4% 92
Khushhali Karza - EMI (Group Based Lending) 31.0% annual, Decl Bal 1 Fee 0 Ins Ins 16.00% fees N/A 35.5% - 44.3% 36.3% - 46.6% 78
Khushhali Cash Sahulat Gold-Bullet 28.0% annual, Decl Bal 1 Fee 0 Ins Ins 16.00% fees N/A 26.3% - 31% 26.5% - 31.9% 97
Khushhali Cash Sahulat Land-Bullet 25.0% annual, Decl Bal 1 Fee 0 Ins Ins 16.00% fees N/A 23.4% - 28.5% 23.5% - 29.4% 97
Sarsabz Karobar Bullet 25.0% annual, Decl Bal 1 Fee 0 Ins Ins 16.00% fees N/A 24.9% - 29.1% 25.1% - 30% 95

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Chamroeun Loan 42.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 45.6% - 52.4% 45.6% - 52.4% 88
Developing Loan 39.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 42.7% - 53.8% 42.7% - 53.8% 86
Entrepreneurs Loan 39.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 41.5% - 43.8% 41.5% - 43.8% 92
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