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The target clientele for character-based
group lending are rural people,
particularly poor villagers who are
lack of access to formal financial
services and need capital for income
generating activity purposes. To do so,
group loan delivery mechanism is used
where villagers organize themselves into
solidarity groups which consist between
4 and 8 members from different
households. The clients can borrow
amount range from KHR 50,000 to 500,000
within 4-12 months loan period. PRASAC
charges interest 36% and 42% p.a. from
its clients on declining balance. |
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The target clientele for individual
business loans are micro entrepreneurs
operating their business in the rural
economy. They are producing (or offering
services) for cash in rural or
semi-urban markets. However, they may
also produce to a minor extent for their
own consumption or barter trade in the
semi-subsistence rural economy.
The clients can borrow amount range from KHR
30,000 to 40,000,000 within 4-24 months loan period. PRASAC
charges interest 36% and 42% p.a. from
its clients on declining balance and
they must secure their loan with
physical collateral.
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