Please note that the information you are viewing is 129 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 105 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: 129 months

Institution

SATHAPANA Limited #831C, Monivong Blvd, Phsa Doem ThkovChamkarmornPhnom Penh, N/A1423
Data approved: 2010-09-22
Data version: 1
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?N/A
Website addressN/A
Year established1995
Head of InstitutionDr. Bun Mony
Regions active0
# Branches36

Total Portfolio (nat'l)N/A
Total Portfolio (USD)N/A
Active clients with loans35,731
Approximate % female clientsN/A
Approximate % urban clientsN/A
Network affiliations
Funders

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

1,462 Borrowers
USD 822,578.98 Portfolio
Active Product
506 Borrowers
USD 784,654 Portfolio
Active Product
12,318 Borrowers
USD 4,711,557.95 Portfolio
Active Product
21,445 Borrowers
USD 28,261,607.33 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
Balloon Loan KHR KHR 100,000 - 20,000,000 0 60% - 80% 20% - 40% Business Credit Educ
Balloon Loan USD USD 200 - 5,000 0 60% - 80% 40% - 60% Business Credit Educ
Business Loan KHR KHR 100,000 - 100,000,000 0 60% - 80% 20% - 40% Business, Housing, Consumer Credit Educ
Business Loan USD USD 200 - 25,000 0 60% - 80% 40% - 60% Business, Housing, Consumer Credit Educ

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
Balloon Loan KHR 2.3%-3.5% annual, Decl Bal 0 Fees 0 Ins None 5.0% upfront #N/A #N/A N/A
Balloon Loan USD 1.8%-3.0% annual, Decl Bal 0 Fees 0 Ins None 2.0% upfront #N/A #N/A N/A
Business Loan KHR 2.3%-3.5% annual, Decl Bal 0 Fees 0 Ins None 5.0% upfront #N/A #N/A N/A
Business Loan USD 1.8%-3.0% annual, Decl Bal 0 Fees 0 Ins None 2.0% upfront #N/A #N/A N/A

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
Balloon Loan KHR 2.3%-3.5% annual, Decl Bal 0 Fees 0 Ins Ins None 5.0% upfront #N/A #N/A N/A
Balloon Loan USD 1.8%-3.0% annual, Decl Bal 0 Fees 0 Ins Ins None 2.0% upfront #N/A #N/A N/A
Business Loan KHR 2.3%-3.5% annual, Decl Bal 0 Fees 0 Ins Ins None 5.0% upfront #N/A #N/A N/A
Business Loan USD 1.8%-3.0% annual, Decl Bal 0 Fees 0 Ins Ins None 2.0% upfront #N/A #N/A N/A
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Institution Price Graph
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Key Statistics
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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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