Number borrowers | 33,876 |
Loan Amount (range) | AZN 50 - 2,400 |
Loan Term (range) | 6 - 24 |
Other Services (text summary) | |
Annual Interest & Method | 24.5%-37.0% annual, Decl Bal |
Fees | 2.00%-3.00% 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) | 28.9% - 42.6% |
Transparency Index (min/max) | 57 - 94 |
Transparency Index (average) | 70 |
7,171 |
PKR 25,000 - 150,000 |
3 - 12 |
Credit Ins |
27.0% annual, Flat |
1,050.00-1,800.00 upfront |
0.90% upfront |
16.00% fees |
N/A |
23.8% - 50.1% |
1.3% - 14.5% |
0.8% - 2.9% |
0.3% - 2.8% |
27.2% - 44.7% |
42 - 99 |
86 |
Outstanding portfolio (AZN) | AZN 27,307,579 |
Portfolio (USD) | USD 35,009,716.67 |
Active Clients with Loans | 33,876 |
Approximate % Female Clients | 20% - 40% |
Approximate % Urban Clients | 0% - 20% |
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 | |
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 539,513,950.70 |
Portfolio (USD) | USD 5,298,027 |
Active Clients with Loans | 7,171 |
Approximate % Female Clients | 0% - 20% |
Approximate % Urban Clients | 0 |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | x |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | x |
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 | |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 3 |
# Regions for this product | 3 |
Regions Active | Khyber Pakhtunkwa, Punjab, Sindh |
Currency | AZN |
Minimum loan size | AZN 50 |
Maximum loan size | 2,400 |
Loans less than AZN 1,000 | 40% |
AZN 1,000-5,000 | 60% |
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 | 6.0 months |
Longest loan term | 24.0 months |
Approx average | 15.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 40% |
Between 13 and 18 months | 60% |
Longer than 18 months | 0 |
Grace period usage | 10% |
Average grace period | 3.0 months |
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 25,000 |
Maximum loan size | 150,000 |
Loans less than PKR 10,000 | 0 |
PKR 10,000-25,000 | 0 |
PKR 25,000-50,000 | 30% |
PKR 50,000-75,000 | 30% |
PKR 75,000-150,000 | 40% |
Greater than PKR 150,000 | 40% |
Shortest loan term | 3.0 months |
Longest loan term | 12.0 months |
Approx average | 9.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 20% |
Between 7 and 9 months | 50% |
Between 10 and 12 months | 30% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | x |
Irregular payments |
Lowest quoted nominal interest | 24.50% |
Highest quoted nominal interest | 37.00% |
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 | Commission Fee |
% of loan amount - min | 2.00% |
% of loan amount - max | 3.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | The variation is due to loan term. 2% on the term upto 12 months and 3% on higher than 12 months |
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 | 27.00% |
Highest quoted nominal interest | 27.00% |
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 | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 1,050 |
Fixed amount - max | 1,800 |
Reason for variation | for fresh clients -1800, for repeat clients-1050 |
Appears on Repayment Sched? | Yes |
Ins 1 | |
---|---|
Description | Insurance Fee |
% of loan amount - min | 0.90% |
% of loan amount - max | 0.90% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | Yes |
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? | Yes |
Percentage of fees | 16% |
All or some fees taxed | Some |
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 6.69 | 28.9% | 24.3% | 4.6% | 0.0% | 0.0% | 0.0% | 85 | - | |
AZN 50 | Generated | 2014-10-01 | 10.0 months | 0.0 months | AZN 9.72 | 41.2% | 36.5% | 4.7% | 0.0% | 0.0% | 0.0% | 60 | - | |
AZN 57.50 | Generated | 2014-10-01 | 10.0 months | 0.0 months | AZN 11.47 | 42.6% | 35.5% | 7.1% | 0.0% | 0.0% | 0.0% | 58 | - | |
AZN 500 | Generated | 2014-10-01 | 14.1 months | 0.0 months | AZN 124.70 | 38.0% | 34.5% | 3.5% | 0.0% | 0.0% | 0.0% | 64 | - | |
AZN 750 | Generated | 2014-10-01 | 16.1 months | 0.0 months | AZN 195.69 | 35.3% | 30.6% | 4.7% | 0.0% | 0.0% | 0.0% | 69 | - | |
AZN 890 | Generated | 2014-10-01 | 12.1 months | 0.0 months | AZN 186.11 | 37.6% | 31.6% | 6.0% | 0.0% | 0.0% | 0.0% | 65 | - | |
AZN 1,000 | Generated | 2014-10-01 | 18.1 months | 0.0 months | AZN 262.59 | 31.4% | 28.7% | 2.7% | 0.0% | 0.0% | 0.0% | 78 | - | |
AZN 1,500 | Generated | 2014-10-01 | 12.1 months | 0.0 months | AZN 270.09 | 32.7% | 26.7% | 6.0% | 0.0% | 0.0% | 0.0% | 75 | - | |
AZN 2,400 | Generated | 2014-10-01 | 18.1 months | 0.0 months | AZN 651.57 | 32.4% | 29.6% | 2.8% | 0.0% | 0.0% | 0.0% | 76 | - |
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 26,000 | Generated | 2015-06-01 | 5.9 months | N/A | PKR 5,821.96 | 44.7% | 25.4% | 14.5% | 2.0% | 2.8% | 0.0% | 60 | - | |
PKR 30,000 | Generated | 2015-06-01 | 8.9 months | N/A | PKR 8,393.68 | 35.9% | 24.6% | 8.4% | 1.3% | 1.6% | 0.0% | 75 | - | |
PKR 52,000 | Generated | 2015-06-01 | 8.9 months | N/A | PKR 13,017.84 | 31.7% | 24.6% | 4.8% | 1.3% | 1.0% | 0.0% | 85 | - | |
PKR 70,000 | Generated | 2015-06-01 | 8.9 months | N/A | PKR 16,801.25 | 30.2% | 24.6% | 3.5% | 1.3% | 0.8% | 0.0% | 89 | - | |
PKR 76,000 | Generated | 2015-06-01 | 8.9 months | N/A | PKR 18,062.38 | 29.9% | 24.6% | 3.3% | 1.2% | 0.8% | 0.0% | 90 | - | |
PKR 80,000 | Generated | 2015-06-01 | 11.8 months | N/A | PKR 24,229.17 | 27.7% | 23.9% | 2.4% | 0.9% | 0.5% | 0.0% | 97 | - | |
PKR 90,000 | Generated | 2015-06-01 | 11.8 months | N/A | PKR 26,996.81 | 27.4% | 23.9% | 2.1% | 0.9% | 0.5% | 0.0% | 98 | - | |
PKR 100,000 | Generated | 2015-06-01 | 11.8 months | N/A | PKR 29,764.46 | 27.2% | 23.9% | 1.9% | 0.9% | 0.5% | 0.0% | 99 | - |
Key Statistics | |
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# 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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