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AMK Microfinance Plc

Farmers who has improved their business and require bigger loan than traditional group loan (End of Term Loan VB or Credit line VB) can keep growing with AMK through the Seasonal Loan which injects further capital for their agri-business. The loan is designed to be multipurpose, for use in small scale agriculture, crop growing, and animal raising.

Product Overview & Scale

Fsp NameAMK Microfinance Plc
Fsp ID100625
As of Date8/31/18
CurrencyUSD
Product NameSeasonal Loan
CountryCambodia
Total Clients Bracket500,000- 1,000,000
Product Clients Bracket<10,000
Number of Product Clients577
Percent of Total Clients that are Product Clients0%
Average Loan Size Per Client1
Average Loan Size Per Client1

Financial Structure & Pricing

loan or product structure is flexibleTRUE
loan or product structure is flexible if yes describeBorrowers can repay in semi-balloon mode.
repayment structure is flexibleTRUE
repayment structure is flexible if yes describeBorrowers are allowed to pre-pay some of the principal anytime they can afford. They can choose the installment payment mode or semi-balloon payment mode.
loan or product term covers growing seasonTRUE
loan or product term covers growing season if yes describeThe maximum loan term is up to 36 months if client repay through installment mode or semi-balloon mode
grace period offeredFALSE
group or individual loanIndividual
apr26%
average loan processing time days5
is apr or other transparent pricing communicated to clientsTRUE
is apr or other transparent pricing communicated to clients if yes describeAll the fee and interest rate charges are printed in the repayment schedule.
type of primary insurance productHealth insurance
total insurance coverage in the last 12 months for primary insurance product274238
average premium per client in last 12 months for primary insurance product7.5
annualized repayment rate of the product98- 100%

Value Chain Support

inputs assets services are readily availableFALSE
inputs assets services are available at time demanded by clientFALSE
inputs assets services available within reasonable distance of clientFALSE
inputs assets services are of good qualityFALSE
informal management services providedFALSE
formal programs in place for post harvest managementFALSE
if yes to above do over 50 of clients use service programFALSE
informal linkages exist between clients and buyers producersFALSE
formal linkages exist between clients and buyers producersFALSE
guaranteed market opportunities exist for clientsFALSE

Training

agricultural training available to clientsFALSE
agricultural training available to clients using formal curriculumFALSE
multiple agricultural trainings delivered during product cycleFALSE
organization does quality checks on trainingsFALSE
financial literacy training takes places yes noFALSE
classroom theoretical training offered by administering partyFALSE
training engages clients in participatory learning with additional materialsFALSE
training is offered in a convenient location for clientsFALSE

Measuring Impact