2. Empowerment
Please note that the information you are viewing is 157 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

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: 157 months

Institution

Chamroeun Microfinance Limited #42D, St. 320, Chamkar Morn DistrictBoeung Keng Kang III CommunePhnom penh, Cambodia
Data approved: 2013-03-26
Data version: 3
Age of data: -   months 
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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 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, Kep, Phnom Penh, Pursat, Prey VengSiem Reap, Takéo
# Branches39

Total Portfolio (nat'l)KHR 20,805,474,952
Total Portfolio (USD)USD 5,267,208.85
Active clients with loans42,722
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliationsCMA, BWTP
FundersEntrepreneurs du Monde, Microfinance Solidaire, Grameen Credit Agrole Microfinance Foundation, Chamroeun Staff Association

Loan Products » Summary

Agriculture
73 Borrowers
USD 38,260.87 Portfolio
Active Product
Individual
870 Borrowers
USD 343,257.28 Portfolio
Active Product
Salary
51 Borrowers
USD 18,014.51 Portfolio
Active Product
Sol Grp
521 Borrowers
USD 46,667.90 Portfolio
Active Product
School Fee
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
17,575 Borrowers
USD 1,633,500.50 Portfolio
Active Product
DL
14,916 Borrowers
USD 956,185.22 Portfolio
Active Product
EL
10,138 Borrowers
USD 2,596,541.33 Portfolio
Active Product
SEL
5 Borrowers
USD 409.27 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
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 - 1,200,000 2 - 12 80% - 100% 60% - 80% Business Women, Men, Have business, Have home or land Credit Educ, Tech Asst Visits, Business Training, Other Training, Social training (HIV, human rights), Skills training (cooking, cake making)
Developing Loan KHR 100,000 - 600,000 2 - 10 80% - 100% 60% - 80% Business Women, Men, Have business Credit Educ, Tech Asst Visits, Business Training, Other Training, Social training (HIV, human rights), Skills training (cooking, cake making)
Entrepreneurs Loan KHR 700,000 - 4,000,000 2 - 12 80% - 100% 60% - 80% Business Women, Men, Have business, Have home or land Tech Asst Visits, Business Training, Other Training, Social training (HIV, human rights), Skills training (cooking, cake making)

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 42.0% annual, Decl Bal 1 Fee 0 Ins None 10.00% ongoing 42.2% - 47.7% 47.9% - 53.2% 83
Developing Loan 30.0%-36.0% annual, Decl Bal 1 Fee 0 Ins None 10.00% ongoing 41.7% - 42.1% 44.9% - 45.3% 66
Entrepreneurs Loan 39.0% annual, Decl Bal 1 Fee 0 Ins None 10.00% ongoing 41.1% - 43.2% 46.3% - 48.1% 83

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 42.0% annual, Decl Bal 1 Fee 0 Ins Ins None 10.00% ongoing 42.2% - 47.7% 47.9% - 53.2% 83
Developing Loan 30.0%-36.0% annual, Decl Bal 1 Fee 0 Ins Ins None 10.00% ongoing 41.7% - 42.1% 44.9% - 45.3% 66
Entrepreneurs Loan 39.0% annual, Decl Bal 1 Fee 0 Ins Ins None 10.00% ongoing 41.1% - 43.2% 46.3% - 48.1% 83
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