Institution Type | Bank |
Is this institution regulated? | Yes |
Website address | http://www.akdn.org/pakistan_microfinance.asp |
Year established | 2002 |
Head of Institution | Amir Masood Khan |
Regions active | Azad Kashmir, Balochistan, Gilgit-Baltistan, Khyber Pakhtunkwa, Punjab, Sindh |
# Branches | 133 |
Total Portfolio (nat'l) | PKR 4,020,148,567 |
Total Portfolio (USD) | USD 41,021,924.15 |
Active clients with loans | 166,267 |
Approximate % female clients | 20% - 40% |
Approximate % urban clients | 40% - 60% |
Network affiliations | Pakistan Microfinance Network (PMN), Microfinance Network (MFN), Banking with the Poor, Aga Khan Development Network (AKDN) |
Funders | Aga Khan Agency for Microfinance (Equity partner/Investor), International Finance Corporation (Equity Partner/Investor), Japan International Corporation Agency (JICA) |
Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.prasac.com.kh/ |
Year established | 1995 |
Head of Institution | Sim Senacheert |
Regions active | Banteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Mondulkiri , Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo |
# Branches | 168 |
Total Portfolio (nat'l) | KHR 980,669,000,000 |
Total Portfolio (USD) | USD 248,270,632.90 |
Active clients with loans | 138,525 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 0% - 20% |
Network affiliations | MixMarket, Banking With the Poor Network, APRACA |
Funders | Dragon Capital Group, FMO, BIO, LOLC |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Finance | PKR 10,000 - 150,000 | 3 - 14 | 0% - 20% | 0% | Agriculture | Women, Men, Has owned or contracted cultivation land and has experience of cultivation | Group Mtgs, Credit Ins | |||||||
Enterprise Finance | PKR 15,000 - 150,000 | 3 - 18 | 0% - 20% | 80% - 100% | Business | Women, Men, Have business, Start up can also avail loan facility | Group Mtgs, Credit Ins | |||||||
Livestock Finance (Short Term) | PKR 10,000 - 150,000 | 3 - 12 | 20% - 40% | 0% - 20% | Business, Small animal purchase, raring, fattening and productivity enhancement of large animals | Women, Men | Group Mtgs, Credit Ins | |||||||
Livestock Finance (Medium Term) | PKR 30,000 - 80,000 | 6 - 36 | 40% - 60% | 0% - 20% | Business, Purchase of milking cow/buffallo | Women, Men, Must have at least 2 existing milking animals | Group Mtgs, Credit Ins | |||||||
General Purpose Finance | PKR 10,000 - 50,000 | 3 - 12 | 40% - 60% | 0% - 20% | Housing, Education, Other | Women, Men | Group Mtgs, Credit Ins | |||||||
Micro Pensioner Loan | PKR 20,000 - 150,000 | 6 - 36 | 0% - 20% | 40% - 60% | Any Purpose | Women, Men, Must be a pensioner | Credit Ins | |||||||
Low Salary Employees Loan | PKR 20,000 - 150,000 | 6 - 36 | 0% - 20% | 40% - 60% | Any Purpose | Women, Men, Salaried worker | Credit Ins | |||||||
Individual Loan Against Gold | PKR 35,000 - 150,000 | 3 - 12 | 40% - 60% | 100% | Any Purpose | Women, Men | Credit Ins | |||||||
Individual Loan Against Cash/Near Cash | PKR 20,000 - 150,000 | 3 - 24 | 0% - 20% | 40% - 60% | Any Purpose | Women, Men | Credit Ins |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Production Loan (USD) | USD 75 - 50,000 | 4 - 48 | 60% - 80% | 0% - 20% | Business, Agriculture | Women, Men, Have home or land | ||||||||
Agricultural Production Loan (KHR) | KHR 300,000 - 200,000,000 | 4 - 48 | 80% - 100% | 0% - 20% | Business, Agriculture | Women, Men, Have home or land | ||||||||
Biodigester Loan (USD) | USD 150 - 1,000 | 4 - 24 | 60% - 80% | 0% - 20% | Business | Women, Men, Have home or land | ||||||||
Business Loan (KHR) | KHR 300,000 - 200,000,000 | 4 - 48 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business, Have home or land | ||||||||
Business Loan (USD) | USD 75 - 50,000 | 4 - 48 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business, Have home or land | ||||||||
Consumption Loan (KHR) | KHR 300,000 - 200,000,000 | 4 - 48 | 80% - 100% | 0% - 20% | Housing, Consumer, Education | Women, Men, Have business, Have home or land | ||||||||
Consumption Loan (USD) | USD 75 - 25,000 | 4 - 48 | 60% - 80% | 20% - 40% | Housing, Consumer, Education | Women, Men, Have business, Have home or land | ||||||||
Group Loan (KHR) | KHR 100,000 - 5,000,000 | 4 - 12 | 80% - 100% | 0% - 20% | Any Purpose | Women, Men | Group Mtgs |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Finance | 26.0%-38.4% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 29.1% - 33.8% | 29.1% - 33.9% | N/A | ||||||||
Enterprise Finance | 38.4% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 30% - 38.2% | 30% - 38.2% | N/A | ||||||||
Livestock Finance (Short Term) | 26.0%-38.4% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 27.8% - 40.2% | 27.8% - 40.6% | N/A | ||||||||
Livestock Finance (Medium Term) | 31.7%-40.9% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 32.1% - 44.6% | 32.1% - 45.1% | N/A | ||||||||
General Purpose Finance | 26.0%-38.4% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 27.6% - 37.6% | 27.6% - 37.6% | N/A | ||||||||
Micro Pensioner Loan | 30.0%-32.0% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 30.5% - 36.4% | 30.5% - 36.9% | N/A | ||||||||
Low Salary Employees Loan | 30.0%-32.0% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 32.2% - 33.6% | 32.2% - 33.6% | N/A | ||||||||
Individual Loan Against Gold | 24.0% annual, Decl Bal | 2 Fees | 0 Ins | 16.00% fees | N/A | 25.1% - 26.1% | 25.3% - 26.5% | N/A | ||||||||
Individual Loan Against Cash/Near Cash | 4.0%-20.0% annual, Decl Bal | 1 Fee | 0 Ins | 16.00% fees | N/A | 4.6% - 25.2% | 4.7% - 26.1% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Production Loan (USD) | 16.8%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 20.5% - 32.4% | 20.5% - 32.4% | 61 | ||||||||
Agricultural Production Loan (KHR) | 25.2%-39.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 26.5% - 32.4% | 26.5% - 32.4% | 83 | ||||||||
Biodigester Loan (USD) | 14.4% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 14.5% | 14.5% | 99 | ||||||||
Business Loan (KHR) | 25.2%-32.4% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 25.3% - 34.8% | 25.3% - 34.8% | 83 | ||||||||
Business Loan (USD) | 16.8%-32.4% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 21.7% - 32.4% | 21.7% - 32.4% | 64 | ||||||||
Consumption Loan (KHR) | 25.2%-32.4% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 25.3% - 30.1% | 25.3% - 30.1% | 89 | ||||||||
Consumption Loan (USD) | 19.2%-32.4% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 21.7% - 32.4% | 21.7% - 32.4% | 73 | ||||||||
Group Loan (KHR) | 31.2%-39.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 32.4% - 33.6% | 32.4% - 33.6% | 94 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Finance | 26.0%-38.4% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 29.1% - 33.8% | 29.1% - 33.9% | N/A | ||||||||
Enterprise Finance | 38.4% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 30% - 38.2% | 30% - 38.2% | N/A | ||||||||
Livestock Finance (Short Term) | 26.0%-38.4% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 27.8% - 40.2% | 27.8% - 40.6% | N/A | ||||||||
Livestock Finance (Medium Term) | 31.7%-40.9% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 32.1% - 44.6% | 32.1% - 45.1% | N/A | ||||||||
General Purpose Finance | 26.0%-38.4% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 27.6% - 37.6% | 27.6% - 37.6% | N/A | ||||||||
Micro Pensioner Loan | 30.0%-32.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 30.5% - 36.4% | 30.5% - 36.9% | N/A | ||||||||
Low Salary Employees Loan | 30.0%-32.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 32.2% - 33.6% | 32.2% - 33.6% | N/A | ||||||||
Individual Loan Against Gold | 24.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | 16.00% fees | N/A | 25.1% - 26.1% | 25.3% - 26.5% | N/A | ||||||||
Individual Loan Against Cash/Near Cash | 4.0%-20.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | 16.00% fees | N/A | 4.6% - 25.2% | 4.7% - 26.1% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Production Loan (USD) | 16.8%-36.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 20.5% - 32.4% | 20.5% - 32.4% | 61 | ||||||||
Agricultural Production Loan (KHR) | 25.2%-39.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 26.5% - 32.4% | 26.5% - 32.4% | 83 | ||||||||
Biodigester Loan (USD) | 14.4% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 14.5% | 14.5% | 99 | ||||||||
Business Loan (KHR) | 25.2%-32.4% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 25.3% - 34.8% | 25.3% - 34.8% | 83 | ||||||||
Business Loan (USD) | 16.8%-32.4% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 21.7% - 32.4% | 21.7% - 32.4% | 64 | ||||||||
Consumption Loan (KHR) | 25.2%-32.4% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 25.3% - 30.1% | 25.3% - 30.1% | 89 | ||||||||
Consumption Loan (USD) | 19.2%-32.4% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 21.7% - 32.4% | 21.7% - 32.4% | 73 | ||||||||
Group Loan (KHR) | 31.2%-39.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 32.4% - 33.6% | 32.4% - 33.6% | 94 |
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