Since 1995, PRASAC MFI has offered loan products to individuals, groups, and village banks.
The target clientele for individual business loans are micro entrepreneurs operating their
business in the rural economy. Clients can borrow between KHR 30,000 (75USD) and 40,000,000
(10,000USD) with loan periods of 4-36 months. PRASAC does require that their loans be secured with
physical collateral, but this allows their interest rates to remain very low.
clientele for character-based group lending are rural people, particularly poor villagers who lack
access to formal financial services and need capital for income generating activities. A group loan
delivery mechanism is used in which villagers organize themselves into solidarity groups of between
2 and 5 members from different households. The clients can borrow from KHR 50,000 (15USD) to KHR
1,000,000 (250USD) for a 4-12 month loan period.