Bank of Baku - Mit texnikas, Mebel - MFTransparency.org Truth In Lending Tables

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Institution

Bank of Baku Baku Åh.Atatàrk pr-ti 42Baku, BakuAZ1069

Data approved: 2010-05-24

Data version: 1

Age of data: 176 months

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Product

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Product Details

Key Statistics

Outstanding portfolio (AZN)	AZN 5,144,742.90
Portfolio (USD)	USD 6,595,824.23
Active Clients with Loans	10,701
Approximate % Female Clients	40% - 60%
Approximate % Urban Clients	60% - 80%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

Istniln miÅt avadÄnlÄÄÄnÄn alÄnmasÄ àçàn ayrÄlan kredit

Loan Purpose

Any purpose	x
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other	yox
Other (2)	yox
No other services	x

Eligibility

Men	x
Women	x
Must run a business
Must own a home or land
Must be a salaried worker	x
Must be specific age group
Other	tqaàdçàl
Other (2)

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	AZN
Minimum loan size	AZN 150
Maximum loan size	3,000

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	24.0 months
Approx average	12.0 months

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	30.00%
Highest quoted nominal interest	36.00%
Reason(s) why interest rate varies	Branch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose, MàŒxt?lif kredit kampaniyalarÄ±
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	No
Is rate fixed for entire loan term	Yes

Upfront Fees

	Fee 1
Description	naÄdlaÅdÄrma vÉ kreditin rÉsmilÉ ÅdirilmÉsi
% of loan amount - min	5.00%
% of loan amount - max	5.00%
OR, Fixed amount - min	0
Fixed amount - max	0
Reason for variation	N/A
Appears on Repayment Sched?	Yes

Ongoing Fees

This product has no ongoing fees

Upfront Insurance Fees

This product has no upfront insurance fees

Ongoing Insurance Fees

This product has no ongoing insurance fees

Compulsory Deposit

Required for	Never
Criteria	N/A
Is deposit indicated on the repayment schedule?	N/A
Do borrowers control deposit in their group?	N/A

Deposit BEFORE or AT Disbursement

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Additional Comments

xeyr

Full Pricing Data

Mit texnikas, Mebel samples

	Sample 1	Sample 2	Sample 3	Sample 4
Loan Amount	AZN 359	AZN 877	AZN 1,485	AZN 3,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2009-10-27	2009-10-26	2009-09-18	2010-03-05
Loan Term (Months)	12.0 months	12.0 months	12.0 months	18.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	53.4%	40.7%	43.5%	43.5%
Insurance Component	0.0%	0.0%	0.0%	0.0%
Tax Component	0.0%	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	53.4%	40.7%	43.5%	43.5%
Transparency Index	56	74	69	69

Original Repayment Schedule	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF

Mit texnikas, Mebel Price Graphs

Click to view Price Analysis Tool

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
KBL	468,300	120,082,000	16	113
KF	233,600	41,416,000	4	112
NRSP	399,900	70,157,000	3	113
ASA	230,400	29,637,000	3	113
TMFB	221,200	85,449,000	7	113
FMFB	163,544	38,481,323	9	132
TRDP	100,000	13,817,000	3	113
PRSP	75,656	9,907,176	3	132
BRAC^P	57,300	11,869,000	3	113
SRSO	51,100	7,775,000	3	113
SSF	46,000	4,776,000	3	113
FINCA	82,000	43,559,000	9	113
JWS	36,000	6,545,000	2	113
RCDS	35,552	4,856,122	4	132
DAMEN	35,185	7,150,864	1	132
FFO	22,400	3,335,000	3	113
OLP	21,400	3,510,000	3	113
CSC	17,600	3,147,000	1	113
AMRDO	13,800	1,206,000	5	113
WMBL	13,800	6,105,000	3	113
Mojaz	13,400	2,415,000	2	113
SDF	11,500	1,041,000	4	113
POMFB	8,500	2,795,000	4	113
OPD	7,500	918,000	2	113
AGAHE	7,300	797,000	2	113
NRDP	6,184	1,521,972	3	132
GBTI	6,100	669,000	3	132
WASIL	4,300	1,135,000	2	113
Micro Options	4,000	768,000	5	113
VDO	3,900	489,000	3	132
SVDP	3,900	811,000	13	132
SRDO	3,500	766,000	4	113
OSDI	2,000	923,000	3	113
APMBL	1,800	1,401,000	3	113
BEDF	1,400	209,000	3	132
KCDO	800	94,000	1	132

Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits

	X Axis
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N (# of Samples)
Total Borrrowers of Samples


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By Country

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