2. FINCA
Please note that the information you are viewing is 120 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. JWS
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

FINCA J. Jabbarli str. 44Baku, AzerbaijanAZ 1065
Data approved: 2014-10-10
Data version: 3
Age of data: 120 months
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Institution

Jinnah Welfare Society 11 - Jinnah Road, Link DC RoadGujranwala, Punjab52250
Data approved: 2015-06-12
Data version: 2
Age of data: 113 months
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Product

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Product

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Product Summary

Number borrowers8,462
Loan Amount (range)USD 100 - 25,000
Loan Term (range)3 - 36
Other Services (text summary)
Annual Interest & Method24.0%-32.0% annual, Decl Bal
Fees2.00%-3.00% upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component21.8% - 38.4%
Fee Component1.5% - 7.1%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)29.4% - 34.3%
Transparency Index (min/max)57 - 94
Transparency Index (average)74

Product Summary

1,000
PKR 50,000 - 100,000
6 - 7
Group Mtgs, Credit Ins, Business Training
20.0% annual, Flat
1.50% upfront
None
None
N/A
 
19.1% - 34.6%
3.0% - 5.9%
0
0
22.1%
49 - 90
90

Product Details

Key Statistics
Outstanding portfolio (USD)USD 38,015,232.05
Portfolio (USD)USD 38,015,232.05
Active Clients with Loans8,462
Approximate % Female Clients0% - 20%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Available to entrepreneurs engaged in trade, manufacturing or service industries.
Loan Purpose
Any purpose
Income generationx
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
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution8
# Regions for this product8
Regions ActiveAbsheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Orta Kur, Daglig-Shirvan, Nakhichevan

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 94,610,000
Portfolio (USD)USD 929,070.20
Active Clients with Loans1,000
Approximate % Female Clients0
Approximate % Urban Clients0
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
To strengthen the economic base of low-income farmers of the targeted communities, through their incresed access to easy and cost effective financial services, capacity building initiatives and upstream/downstream markets
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other training
Other
Other (2)
No other services
Eligibility
Menx
Women
Must run a business
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActivePunjab

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 100
Maximum loan size25,000
Distribution at Disbursement (Est.)
Loans less than USD 1,50010%
USD 1,500-5,00040%
USD 5,000-10,00040%
USD 10,000-15,0005%
USD 15,000-18,0000
Greater than USD 18,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term36.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months30%
Between 13 and 18 months40%
Longer than 18 months30%
Grace Period
Grace period usage10%
Average grace period3.0 months
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

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 50,000
Maximum loan size100,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,0000
PKR 25,000-50,0000
PKR 50,000-75,00010%
PKR 75,000-150,00090%
Greater than PKR 150,00090%
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term7.0 months
Approx average6.5 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months100%
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 monthsx
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest24.00%
Highest quoted nominal interest32.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCommission Fee
% of loan amount - min2.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationCommission varies with loan amount. 2% applied on loan amount $5000 and above, 3% on less than $5000. 2% commission flat fee is applicable for Nakhchivan only
Appears on Repayment Sched?No
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

Pricing Information

Interest
Lowest quoted nominal interest20.00%
Highest quoted nominal interest20.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
Descriptionprocessing fee and clients death insurance fee
% of loan amount - min1.50%
% of loan amount - max1.50%
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

Full Pricing Data

Express Loan (USD) samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
USD 2,550 Generated 2014-10-01 10.0 months 0.0 months USD 408.78 34.3% 29.6% 4.7% 0.0% 0.0% 0.0% 70 - PDF
USD 3,000 Generated 2014-10-01 18.1 months 0.0 months USD 725.16 29.4% 25.2% 4.2% 0.0% 0.0% 0.0% 82 - PDF
USD 3,450 Generated 2014-10-01 10.0 months 0.0 months USD 488.05 30.8% 23.8% 7.0% 0.0% 0.0% 0.0% 78 - PDF
USD 5,100 Generated 2014-10-01 12.1 months 0.0 months USD 911.55 32.1% 28.2% 3.9% 0.0% 0.0% 0.0% 75 - PDF
USD 6,000 Generated 2014-10-01 18.1 months 0.0 months USD 1,635.54 32.9% 28.7% 4.2% 0.0% 0.0% 0.0% 73 - PDF
USD 6,900 Generated 2014-10-01 24.3 months 0.0 months USD 2,632.10 33.9% 30.6% 3.3% 0.0% 0.0% 0.0% 71 - PDF
USD 18,000 Generated 2014-10-01 24.3 months 0.0 months USD 6,908.50 33.8% 31.6% 2.2% 0.0% 0.0% 0.0% 71 - PDF

Full Pricing Data

Agri Value Chain samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 50,000 Generated 2015-06-01 5.9 months N/A PKR 5,681.51 22.1% 19.1% 3.0% 0.0% 0.0% 0.0% 90 - PDF
PKR 70,000 Generated 2015-06-01 5.9 months N/A PKR 7,954.11 22.1% 19.1% 3.0% 0.0% 0.0% 0.0% 90 - PDF
PKR 76,000 Generated 2015-06-01 5.9 months N/A PKR 8,635.89 22.1% 19.1% 3.0% 0.0% 0.0% 0.0% 90 - PDF
PKR 80,000 Generated 2015-06-01 5.9 months N/A PKR 9,090.41 22.1% 19.1% 3.0% 0.0% 0.0% 0.0% 90 - PDF
PKR 85,000 Generated 2015-06-01 5.9 months N/A PKR 9,658.56 22.1% 19.1% 3.0% 0.0% 0.0% 0.0% 90 - PDF
PKR 90,000 Generated 2015-06-01 5.9 months N/A PKR 10,226.71 22.1% 19.1% 3.0% 0.0% 0.0% 0.0% 90 - PDF
PKR 95,000 Generated 2015-06-01 5.9 months N/A PKR 10,794.86 22.1% 19.1% 3.0% 0.0% 0.0% 0.0% 90 - PDF
PKR 100,000 Generated 2015-06-01 5.9 months N/A PKR 11,363.01 22.1% 19.1% 3.0% 0.0% 0.0% 0.0% 90 - PDF
Express Loan (USD) Price Graphs


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Agri Value Chain Price Graphs


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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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X Axis
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Total Borrrowers of Samples
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By Country

Total Borrowers of Samples

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