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. SVDP
Please note that the information you are viewing is 132 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

Soon Valley Development Program Sakesar Road, Naushera, Tehsil & District, KhushabNaushera, PunjabN/A
Data approved: 2013-08-15
Data version: 1
Age of data: 132 months

Product

SME Loan (USD) Product 4 of 12 « Prev | Next »

Product

Trade Business Product 12 of 14 « Prev | Next »

Product Summary

Number borrowers111
Loan Amount (range)USD 5,000 - 100,000
Loan Term (range)3 - 60
Other Services (text summary)
Annual Interest & Method20.0%-23.0% annual, Decl Bal
Fees1.00%-2.00% 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)24.9% - 25.7%
Transparency Index (min/max)57 - 94
Transparency Index (average)78

Product Summary

774
PKR 10,000 - 70,000
12
21.0%-24.0% annual, Flat
3.00% upfront
None
None
N/A
 
22.8% - 34.9%
3.0% - 6.0%
0 - 3.2%
0
40.7% - 40.9%
0 - N/A
N/A

Product Details

Key Statistics
Outstanding portfolio (USD)USD 3,922,617.95
Portfolio (USD)USD 3,922,617.95
Active Clients with Loans111
Approximate % Female Clients0% - 20%
Approximate % Urban Clients60% - 80%
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 13,858,014
Portfolio (USD)USD 141,408.31
Active Clients with Loans774
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Loan product is available for small businessmen and petty traders on the same terms and condition for a period of 12 months.
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 institution1
# Regions for this product1
Regions ActivePunjab

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 5,000
Maximum loan size100,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term60.0 months
Approx average30.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months5%
Between 13 and 18 months5%
Longer than 18 months90%
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

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 10,000
Maximum loan size70,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0005%
PKR 10,000-25,00040%
PKR 25,000-50,00050%
PKR 50,000-75,0005%
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
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
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest20.00%
Highest quoted nominal interest23.00%
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 - min1.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation2% upto the Loan amount $25,000 and 1% for the loan amount more than $25,000
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 interest21.00%
Highest quoted nominal interest24.00%
Reason(s) why interest rate variesTime as Client
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionAgreement Fee
% of loan amount - min3.00%
% of loan amount - max3.00%
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

Full Pricing Data

SME 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 20,000 Generated 2014-11-01 12.0 months N/A USD 2,854.01 25.7% 21.8% 3.9% 0.0% 0.0% 0.0% 78 - PDF
USD 38,000 Generated 2014-11-01 12.0 months N/A USD 5,422.62 25.7% 21.8% 3.9% 0.0% 0.0% 0.0% 78 - PDF
USD 52,000 Generated 2014-11-01 18.0 months N/A USD 10,995.29 25.5% 22.8% 2.7% 0.0% 0.0% 0.0% 78 - PDF
USD 69,000 Generated 2014-11-01 24.0 months N/A USD 19,085.38 24.9% 22.8% 2.1% 0.0% 0.0% 0.0% 80 - PDF

Full Pricing Data

Trade Business samples
Sample 1Sample 2Sample 3
Loan AmountPKR 10,000PKR 25,000PKR 50,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2014-02-282014-01-272014-02-18
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)-0.1 months0.0 months-0.1 months
Total Cost of CreditPKR 2,300PKR 5,750PKR 11,500
True Price by Comp     
Interest price component34.9%34.7%34.9%
Fee Component6.0%6.0%6.0%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)40.9%40.7%40.9%
Transparency IndexN/AN/AN/A
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
SME Loan (USD) Price Graphs


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Trade Business 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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