Number borrowers | 9,633 |
Loan Amount (range) | AZN 50 - 2,400 |
Loan Term (range) | 4 - 18 |
Other Services (text summary) | |
Annual Interest & Method | 26.5%-36.0% annual, Decl Bal |
Fees | 2.00% upfront |
Insurance | None |
Tax | None |
Comp Dep | N/A |
Range of pricing | |
Interest Price Component | 21.8% - 38.4% |
Fee Component | 1.5% - 7.1% |
Insurance Component | 0 |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 30.9% - 40.2% |
Transparency Index (min/max) | 57 - 94 |
Transparency Index (average) | 77 |
1,740 |
PKR 70,000 - 150,000 |
18 |
Credit Educ, Group Mtgs, Business Training, Other Training |
15.0% annual, Flat |
5.00% upfront |
None |
None |
N/A |
25.5% - 37.1% |
5.2% - 10.9% |
0 |
0 |
33.5% |
0 - N/A |
N/A |
Outstanding portfolio (AZN) | AZN 7,678,863 |
Portfolio (USD) | USD 9,844,696.15 |
Active Clients with Loans | 9,633 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 60% - 80% |
Individual | |
Solidarity group | x |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | x |
Consumer loan | x |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services | x |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | x |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 8 |
# Regions for this product | 8 |
Regions Active | Absheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Orta Kur, Daglig-Shirvan, Nakhichevan |
Outstanding portfolio (PKR) | PKR 73,419,469 |
Portfolio (USD) | USD 749,178.26 |
Active Clients with Loans | 1,740 |
Approximate % Female Clients | 60% - 80% |
Approximate % Urban Clients | 20% - 40% |
Individual | |
Solidarity group | x |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | |
Workplace visits | |
Business training | x |
Other training | x |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | x |
Must be a salaried worker | |
Must be specific age group | x |
Other | |
Other (2) |
# Regions for this institution | 1 |
# Regions for this product | 1 |
Regions Active | Punjab |
Currency | AZN |
Minimum loan size | AZN 50 |
Maximum loan size | 2,400 |
Loans less than AZN 1,000 | 50% |
AZN 1,000-5,000 | 50% |
AZN 5,000-8,000 | 0 |
AZN 8,000-11,000 | 0 |
AZN 11,000-14,000 | 0 |
Greater than AZN 14,000 | 0 |
Shortest loan term | 4.0 months |
Longest loan term | 18.0 months |
Approx average | 13.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 70% |
Between 13 and 18 months | 30% |
Longer than 18 months | 0 |
Grace period usage | 10% |
Average grace period | DK |
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 |
Currency | PKR |
Minimum loan size | PKR 70,000 |
Maximum loan size | 150,000 |
Loans less than PKR 10,000 | 0 |
PKR 10,000-25,000 | 0 |
PKR 25,000-50,000 | 0 |
PKR 50,000-75,000 | 50% |
PKR 75,000-150,000 | 50% |
Greater than PKR 150,000 | 50% |
Shortest loan term | 18.0 months |
Longest loan term | 18.0 months |
Approx average | 18.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 0 |
Between 13 and 18 months | 100% |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
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 |
Lowest quoted nominal interest | 26.50% |
Highest quoted nominal interest | 36.00% |
Reason(s) why interest rate varies | Branch, Loan Size |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Origination Fee |
% of loan amount - min | 2.00% |
% of loan amount - max | 2.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Lowest quoted nominal interest | 15.00% |
Highest quoted nominal interest | 15.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Processing Fee |
% 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? | No |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
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 |
||||||||||
AZN 50 | Generated | 2014-10-01 | 10.0 months | 0.0 months | AZN 7.17 | 30.9% | 26.2% | 4.7% | 0.0% | 0.0% | 0.0% | 86 | - | |
AZN 50 | Generated | 2014-10-01 | 10.0 months | 0.0 months | AZN 9.48 | 40.2% | 35.5% | 4.7% | 0.0% | 0.0% | 0.0% | 66 | - | |
AZN 720 | Generated | 2014-10-01 | 12.1 months | 0.0 months | AZN 156.04 | 38.5% | 34.5% | 4.0% | 0.0% | 0.0% | 0.0% | 69 | - | |
AZN 720 | Generated | 2014-10-01 | 12.1 months | 0.0 months | AZN 130.78 | 32.6% | 28.7% | 3.9% | 0.0% | 0.0% | 0.0% | 81 | - | |
AZN 960 | Generated | 2014-10-01 | 12.1 months | 0.0 months | AZN 196.76 | 36.6% | 32.6% | 4.0% | 0.0% | 0.0% | 0.0% | 72 | - | |
AZN 1,500 | Generated | 2014-10-01 | 14.1 months | 0.0 months | AZN 302.14 | 31.1% | 27.7% | 3.4% | 0.0% | 0.0% | 0.0% | 85 | - | |
AZN 2,760 | Generated | 2014-10-01 | 18.1 months | 0.0 months | AZN 749.31 | 32.4% | 29.6% | 2.8% | 0.0% | 0.0% | 0.0% | 82 | - |
Sample 1 | Sample 2 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | PKR 100,000 | PKR 100,000 | PKR 100,000 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2013-11-15 | 2013-10-15 | 2013-11-15 | ||
Loan Term (Months) | 18.0 months | 18.0 months | 18.0 months | ||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | ||
Total Cost of Credit | PKR 27,500.06 | PKR 27,500.06 | PKR 27,500.06 | ||
True Price by Comp | |||||
Interest price component | 26.5% | 26.5% | 26.5% | ||
Fee Component | 7.0% | 7.0% | 7.0% | ||
Insurance Component | 0.0% | 0.0% | 0.0% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 0.0% | 0.0% | 0.0% | ||
Full APR (int fee ins tax dep) | 33.5% | 33.5% | 33.5% | ||
Transparency Index | N/A | N/A | N/A | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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