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
Please note that the information you are viewing is 112 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Empowerment Micro Finance institution ltd 72, Sikoongo RoadSiavonga, Zambia, Souther ProvinceP.O.BOX 183
Data approved: 2011-12-12
Data version: 1
Age of data: 156 months

Institution

Chamroeun #42D, st.320 SangkatN/APhnom penh, CambodiaN/A
Data approved: 2011-02-03
Data version: 2
Age of data: -   months 

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.celim.it/
Year established2008
Head of InstitutionElisa Morrone
Regions active
# Branches2

Total Portfolio (nat'l)ZMK 2,360,550,702
Total Portfolio (USD)USD 456,145.06
Active clients with loans1,559
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsAmiz, Mix Market
FundersRural Finance Programme/IFAD, European Union, CeLIM NGO

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.chamroeun.com/
Year established2006
Head of InstitutionSophea Suon
Regions active0
# Branches10

Total Portfolio (nat'l)KHR 6,690,795,300
Total Portfolio (USD)USD 1,672,698.83
Active clients with loans14,893
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsCMA, ACLEDA
FundersEntrepreneurs du Monde, Microfinance Solidaire, PlaNis, Microcredit for Mother

Loan Products » Summary

73 Borrowers
USD 38,260.87 Portfolio
Active Product
870 Borrowers
USD 343,257.28 Portfolio
Active Product
51 Borrowers
USD 18,014.51 Portfolio
Active Product
521 Borrowers
USD 46,667.90 Portfolio
Active Product
30 Borrowers
USD 1,352.66 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
9,697 Borrowers
USD 833,105.35 Portfolio
Active Product
DL
1,763 Borrowers
USD 91,671.93 Portfolio
Active Product
EL
3,427 Borrowers
USD 747,658.20 Portfolio
Active Product
SEL
6 Borrowers
USD 263.35 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Input Loan ZMK 2,000,000 - 6,000,000 10 - 11 20% - 40% 0% - 20% Business, Agriculture Women, Men, Small scale farmers, minimum one hectare Business Training, Microcredit Scheme
Individual Loan ZMK 500,000 - 7,000,000 4 - 12 40% - 60% 0% - 20% Business Women, Men, Have business Credit Ins, Household Approach, Monthly follow up of clients
Salary Backed Loan ZMK 500,000 - 7,000,000 2 - 10 20% - 40% 60% - 80% Any Purpose Women, Men, Salaried worker
Solidarity Group Loan ZMK 400,000 - 1,200,000 4 - 10 60% - 80% 0% - 20% Business Women, Men, Have business Record Keeping Training, Household Approach Training, Monthly Monitoring

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Chamroeun Loan KHR 100,000 - 1,150,000 2 - 8 80% - 100% 80% - 100% Business Have business, Have home or land Tech Asst Visits, Business Training, Other Training
Developing Loan KHR 100,000 - 550,000 2 - 8 80% - 100% 80% - 100% Business Have business Tech Asst Visits, Business Training, Other Training
Entrepreneurs Loan KHR 100,000 - 4,000,000 2 - 12 80% - 100% 80% - 100% Business Have business, Have home or land Tech Asst Visits, Business Training, Other Training
Social Emergency Loan KHR 100,000 - 500,000 2 - 6 80% - 100% 80% - 100% Other Have business, Have home or land

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Input Loan 42.0% annual, Flat 0 Fees 1 Ins None N/A 56.6% - 56.8% 64.4% - 64.6% 65
Individual Loan 48.0% annual, Flat 1 Fee 0 Ins None N/A 69.7% - 82.9% 69.7% - 82.9% 62
Salary Backed Loan 30.0%-42.0% annual, Flat 1 Fee 0 Ins None N/A 48.9% - 50.6% 48.9% - 50.6% 60
Solidarity Group Loan 42.0%-60.0% annual, Flat 1 Fee 0 Ins None N/A 68.6% - 96% 68.6% - 96% 50

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Chamroeun Loan 48.0% annual, Decl Bal 1 Fee 0 Ins None 0.0% upfront #N/A #N/A 79
Developing Loan 48.0% annual, Decl Bal 1 Fee 0 Ins None 0.0% upfront #N/A #N/A 84
Entrepreneurs Loan 42.0% annual, Decl Bal 1 Fee 0 Ins None 0.0% upfront #N/A #N/A 79
Social Emergency Loan 24.0% annual, Decl Bal 0 Fees 0 Ins None N/A #N/A #N/A 99

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Input Loan 42.0% annual, Flat 0 Fees 1 Ins Ins None N/A 56.6% - 56.8% 64.4% - 64.6% 65
Individual Loan 48.0% annual, Flat 1 Fee 0 Ins Ins None N/A 69.7% - 82.9% 69.7% - 82.9% 62
Salary Backed Loan 30.0%-42.0% annual, Flat 1 Fee 0 Ins Ins None N/A 48.9% - 50.6% 48.9% - 50.6% 60
Solidarity Group Loan 42.0%-60.0% annual, Flat 1 Fee 0 Ins Ins None N/A 68.6% - 96% 68.6% - 96% 50

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Chamroeun Loan 48.0% annual, Decl Bal 1 Fee 0 Ins Ins None 0.0% upfront #N/A #N/A 79
Developing Loan 48.0% annual, Decl Bal 1 Fee 0 Ins Ins None 0.0% upfront #N/A #N/A 84
Entrepreneurs Loan 42.0% annual, Decl Bal 1 Fee 0 Ins Ins None 0.0% upfront #N/A #N/A 79
Social Emergency Loan 24.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A #N/A #N/A 99
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Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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