2. Bank of Baku
Please note that the information you are viewing is 176 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Bank of Baku Baku şh.Atatàrk pr-ti 42Baku, BakuAZ1069
Data approved: 2010-05-24
Data version: 1
Age of data: 176 months

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 Loans10,701
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Istniln mişt avadÄnlÄğÄnÄn alÄnmasÄ àçàn ayrÄlan kredit
Loan Purpose
Any purposex
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
Otheryox
Other (2)yox
No other servicesx
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried workerx
Must be specific age group
Othertqaàdçàl
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyAZN
Minimum loan sizeAZN 150
Maximum loan size3,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx average12.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest30.00%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose, MàŒxt?lif kredit kampaniyaları
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionnağdlaşdÄrma vÉ kreditin rÉsmilÉ ÅŸdirilmÉsi
% of loan amount - min5.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/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 forNever
CriteriaN/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 depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
xeyr

Full Pricing Data

Mit texnikas, Mebel samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountAZN 359AZN 877AZN 1,485AZN 3,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2009-10-272009-10-262009-09-182010-03-05
Loan Term (Months)12.0 months12.0 months12.0 months18.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component53.4%40.7%43.5%43.5%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)53.4%40.7%43.5%43.5%
Transparency Index56746969
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Mit texnikas, Mebel Price Graphs


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  2. KBL
Please note that the information you are viewing is 113 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Khushhali Bank Limited 4th Floor, 94 west, Jinnah AvenueIslamabad, Federal44000
Data approved: 2015-04-20
Data version: 2
Age of data: 113 months
Choose version

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.khushhalibank.com.pk
Year established2000
Head of InstitutionMuhammad Ghalib Nishtar
Regions activeAzad Kashmir, Balochistan, Islambad Capital Territory, Khyber Pakhtunkwa, Punjab, Sindh
# Branches118

Total Portfolio (nat'l)PKR 12,225,321,747
Total Portfolio (USD)USD 120,052,659.60
Active clients with loans468,369
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliationsPakistan Microfinance Network
Funders

Loan Products » Summary

KK-B
343,540 Borrowers
USD 79,107,071.05 Portfolio
Active Product
KK-E
82,054 Borrowers
USD 11,000,790.24 Portfolio
Active Product
KCS-GB
37,616 Borrowers
USD 24,892,618.49 Portfolio
Active Product
KCS-LB
2,583 Borrowers
USD 2,774,465.35 Portfolio
Active Product
Sarsabz
1,197 Borrowers
USD 1,243,785.24 Portfolio
Active Product
KCS-GE
314 Borrowers
USD 150,120.70 Portfolio
Low Volume Product
Cash
134 Borrowers
USD 121,558.08 Portfolio
Low Volume Product
Paper
19 Borrowers
USD 10,168.69 Portfolio
Low Volume Product
Qarza
213 Borrowers
USD 157,569.75 Portfolio
Low Volume Product
EMI
409 Borrowers
USD 279,344.66 Portfolio
Low Volume Product
School
18 Borrowers
USD 24,215.22 Portfolio
Low Volume Product
Livestock
65 Borrowers
USD 68,621.18 Portfolio
Low Volume Product
EMI Liv
16 Borrowers
USD 18,341.32 Portfolio
Low Volume Product
Karabor
74 Borrowers
USD 16,249.51 Portfolio
Low Volume Product
Sarmaya
109 Borrowers
USD 210,846.23 Portfolio
Low Volume Product
Sahulat L
8 Borrowers
USD 6,849.99 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 » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Khushhali Karza - Bullet (Group Based Lending) PKR 15,000 - 50,000 3 - 12 20% - 40% 0% - 20% Business, Agriculture Women, Men, Have business Group Mtgs, Credit Ins
Khushhali Karza - EMI (Group Based Lending) PKR 15,000 - 50,000 3 - 12 20% - 40% 40% - 60% Business, Agriculture Women, Men, Have business Group Mtgs, Credit Ins
Khushhali Cash Sahulat Gold-Bullet PKR 25,000 - 150,000 3 - 12 0% - 20% 20% - 40% Business Women, Men, Have business Credit Ins
Khushhali Cash Sahulat Land-Bullet PKR 25,000 - 150,000 3 - 12 0% - 20% 0% Business, Agriculture Women, Men, Have business Credit Ins
Sarsabz Karobar Bullet PKR 25,000 - 150,000 3 - 6 0% - 20% 20% - 40% Business, Agriculture Women, Men, Have business Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Khushhali Karza - Bullet (Group Based Lending) 31.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 29.6% - 36% 30% - 37.4% 92
Khushhali Karza - EMI (Group Based Lending) 31.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 35.5% - 44.3% 36.3% - 46.6% 78
Khushhali Cash Sahulat Gold-Bullet 28.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 26.3% - 31% 26.5% - 31.9% 97
Khushhali Cash Sahulat Land-Bullet 25.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 23.4% - 28.5% 23.5% - 29.4% 97
Sarsabz Karobar Bullet 25.0% annual, Decl Bal 1 Fee 0 Ins 16.00% fees N/A 24.9% - 29.1% 25.1% - 30% 95
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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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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