| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.asaphil.org/ |
| Year established | 2004 |
| Head of Institution | Kamrul H. Tarafder |
| Regions active | |
| # Branches | 290 |
| Total Portfolio (nat'l) | PhP 1,563,240,950 |
| Total Portfolio (USD) | USD 37,398,108.85 |
| Active clients with loans | 429,907 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | MIX Market |
| Funders |
| Institution Type | Private 'For-Profit' |
| Is this institution regulated? | Yes |
| Website address | http://www.hkl.com.kh/ |
| Year established | 1994 |
| Head of Institution | Hout Ieng Tong |
| Regions active | 0 |
| # Branches | 75 |
| Total Portfolio (nat'l) | KHR 41,569,985.26 |
| Total Portfolio (USD) | USD 10,392.50 |
| Active clients with loans | 47,287 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Microfinance Loan | PHP 1,000 - 120,000 | 3 - 6 | 80% - 100% | 20% - 40% | Business | Women, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Life insurance, Marketing facilities |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Large Loans | USD 10,001 - 30,000 | 3 - 36 | 80% - 100% | 60% - 80% | Business, Housing, Consumer, Education, Other | Have business | ||||||||
| Medium Loans | USD 2,501 - 10,000 | 3 - 36 | 60% - 80% | 60% - 80% | Business, Housing, Consumer, Education, Other | Have business | ||||||||
| Micro Loans | USD 50 - 1,000 | 3 - 15 | 80% - 100% | 20% - 40% | Business, Housing, Consumer, Education, Other | Have business | ||||||||
| Small Loans | USD 1,001 - 2,500 | 3 - 24 | 60% - 80% | 20% - 40% | Business, Housing, Consumer, Education, Other | Have business |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Microfinance Loan | 30.0% annual, Flat | 0 Fees | 0 | None | 60.00 upfront 60.00 ongoing | 53.2% - 60.1% | 54.6% - 86.8% | 47 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Large Loans | 19.2% annual, Decl Bal | 0 Fees | 0 Ins | None | 10.00 upfront 10.00 ongoing | 19.4% | 19.5% - 19.8% | 97 | ||||||||
| Medium Loans | 23.4%-30.0% annual, Decl Bal | 0 Fees | 0 Ins | None | 5.00 upfront 5.00 ongoing | 23.7% | 24.4% - 24.6% | 95 | ||||||||
| Micro Loans | 34.8%-42.0% annual, Decl Bal | 0 Fees | 0 Ins | None | 1.00 upfront 1.00 ongoing | 35.1% - 35.2% | 35.9% - 42.8% | 91 | ||||||||
| Small Loans | 27.6%-33.6% annual, Decl Bal | 0 Fees | 0 Ins | None | 3.00 upfront 3.00 ongoing | 27.9% | 28.6% - 29.1% | 96 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Microfinance Loan | 30.0% annual, Flat | 0 Fees | 0 | None | 60.00 upfront 60.00 ongoing | 53.2% - 60.1% | 54.6% - 86.8% | 47 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Large Loans | 19.2% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 10.00 upfront 10.00 ongoing | 19.4% | 19.5% - 19.8% | 97 | ||||||||
| Medium Loans | 23.4%-30.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 5.00 upfront 5.00 ongoing | 23.7% | 24.4% - 24.6% | 95 | ||||||||
| Micro Loans | 34.8%-42.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 1.00 upfront 1.00 ongoing | 35.1% - 35.2% | 35.9% - 42.8% | 91 | ||||||||
| Small Loans | 27.6%-33.6% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 3.00 upfront 3.00 ongoing | 27.9% | 28.6% - 29.1% | 96 |
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