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 |
24,345 |
PKR 3,000 - 50,000 |
12 |
Tech Asst Visits, Business Training, Refund of principle amount in case of death |
22.0% annual, Flat |
3.00% upfront 1.00% upfront |
None |
None |
N/A |
20.9% - 43.5% |
8.2% - 9.5% |
0 |
0 |
44.9% - 53.0% |
42 - 75 |
47 |
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 229,520,412 |
Portfolio (USD) | USD 2,253,890.45 |
Active Clients with Loans | 24,345 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 40% - 60% |
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 | |
Group meetings | |
Credit insurance | |
Workplace visits | x |
Business training | x |
Other training | |
Other | Refund of principle amount in case of death |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 1 |
# Regions for this product | 1 |
Regions Active | 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 3,000 |
Maximum loan size | 50,000 |
Loans less than PKR 10,000 | 0 |
PKR 10,000-25,000 | 40% |
PKR 25,000-50,000 | 60% |
PKR 50,000-75,000 | 0 |
PKR 75,000-150,000 | 0 |
Greater than PKR 150,000 | 0 |
Shortest loan term | 12.0 months |
Longest loan term | 12.0 months |
Approx average | 12.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 100% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 100% |
Average grace period | 0.3 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 |
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 | 22.00% |
Highest quoted nominal interest | 22.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | Fee 2 | ||
---|---|---|---|
Description | Registration Fee | Emergency Fund Fee | |
% of loan amount - min | 3.00% | 1.00% | |
% of loan amount - max | 3.00% | 1.00% | |
OR, Fixed amount - min | 0 | 0 | |
Fixed amount - max | 0 | 0 | |
Reason for variation | N/A | N/A | |
Appears on Repayment Sched? | Yes | 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? | 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 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 20,000 | Real | 2015-02-15 | 11.8 months | N/A | PKR 5,200.05 | 48.4% | 39.8% | 8.6% | 0.0% | 0.0% | 0.0% | 45 | ||
PKR 40,000 | Generated | 2015-06-01 | 11.3 months | N/A | PKR 9,893.70 | 44.9% | 36.7% | 8.2% | 0.0% | 0.0% | 0.0% | 49 | - | |
PKR 40,000 | Real | 2015-02-25 | 11.3 months | N/A | PKR 10,399.98 | 53.0% | 43.5% | 9.5% | 0.0% | 0.0% | 0.0% | 42 | ||
PKR 20,000 | Generated | 2015-06-01 | 11.3 months | N/A | PKR 4,946.85 | 44.9% | 36.7% | 8.2% | 0.0% | 0.0% | 0.0% | 49 | - | |
PKR 10,000 | Generated | 2015-06-01 | 11.3 months | N/A | PKR 2,473.42 | 44.9% | 36.7% | 8.2% | 0.0% | 0.0% | 0.0% | 49 | - | |
PKR 25,000 | Generated | 2015-06-01 | 11.3 months | N/A | PKR 6,183.56 | 44.9% | 36.7% | 8.2% | 0.0% | 0.0% | 0.0% | 49 | - | |
PKR 29,000 | Generated | 2015-06-01 | 11.3 months | N/A | PKR 7,172.93 | 44.9% | 36.7% | 8.2% | 0.0% | 0.0% | 0.0% | 49 | - | |
PKR 35,000 | Generated | 2015-06-01 | 11.3 months | N/A | PKR 8,656.99 | 44.9% | 36.7% | 8.2% | 0.0% | 0.0% | 0.0% | 49 | - | |
PKR 42,000 | Generated | 2015-06-01 | 11.3 months | N/A | PKR 10,388.38 | 44.9% | 36.7% | 8.2% | 0.0% | 0.0% | 0.0% | 49 | - | |
PKR 50,000 | Generated | 2015-06-01 | 11.3 months | N/A | PKR 12,367.12 | 44.9% | 36.7% | 8.2% | 0.0% | 0.0% | 0.0% | 49 | - |
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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