2. APAS
Please note that the information you are viewing is 156 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. HKL
Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

APAS Financial Services Ltd 4th Floor Diamond Trust BuildingKampala, CentralPO Box 9360
Data approved: 2011-06-29
Data version: 1
Age of data: 156 months

Institution

Hattha Kaksekar Limited No 606, st 271, Sangkat Phsar Deum Thkouv, Chamcarmon, Phnom PenhNo 19GH, St 271 Sangkat Beung Salang, Phnom PenhPhnom Penh, Cambodia855
Data approved: 2011-02-02
Data version: 2
Age of data: -   months 
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.apasgroup.com/
Year established2005
Head of InstitutionAmos Ruhongore
Regions activeEastern, Western
# Branches2

Total Portfolio (nat'l)UGX 320,000,000
Total Portfolio (USD)USD 128,000
Active clients with loans320
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsAMFIU, Microfinance Management Institute
Funders

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.hkl.com.kh/
Year established1994
Head of InstitutionHout Ieng Tong
Regions active0
# Branches75

Total Portfolio (nat'l)KHR 41,569,985.26
Total Portfolio (USD)USD 10,392.50
Active clients with loans47,287
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliations
Funders

Loan Products » Summary

Group
200 Borrowers
USD 100,000 Portfolio
Active Product
Idv Bsnss
120 Borrowers
USD 28,000 Portfolio
Active Product

Loan Products » Summary

Large Loans
179 Borrowers
USD 2,264,750.79 Portfolio
Active Product
Medium
5,315 Borrowers
USD 14,235,223.83 Portfolio
Active Product
Micro
28,189 Borrowers
USD 8,981,843.58 Portfolio
Active Product
Small
13,214 Borrowers
USD 14,541,633.48 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Group Loans UGX 100,000 - 1,500,000 3 - 6 40% - 60% 80% - 100% Business Women, Men, Have business Credit Educ, Group Mtgs, Business Training
Individual Business Loans UGX 500,000 - 10,000,000 1 - 6 40% - 60% 80% - 100% Business Women, Men, Have business Other Training

Loan Products » Conditions

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loans 48.00% annual, Flat 1 Fee 0 Ins None N/A 40.1% - 86.6% 40.1% - 86.6% 75
Individual Business Loans 60.00%-120.00% annual, Flat 1 Fee 0 Ins None N/A 86.2% - 87.1% 86.2% - 87.1% 69

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Group Loans 48.00% annual, Flat 1 Fee 0 Ins Ins None N/A 40.1% - 86.6% 40.1% - 86.6% 75
Individual Business Loans 60.00%-120.00% annual, Flat 1 Fee 0 Ins Ins None N/A 86.2% - 87.1% 86.2% - 87.1% 69

Loan Products » Pricing Information

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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