2. Parabank
Please note that the information you are viewing is 176 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. ASA
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

Parabank 60 Samed Vurgun strBaku, BakuAZ1022
Data approved: 2012-04-18
Data version: 2
Age of data: 176 months
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Institution

ASA Pakistan Ltd. T-61, Block-6, PECHS,Karachi, Sindh Pakistan
Data approved: 2015-04-13
Data version: 2
Age of data: 113 months
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Product

Micro Loans Product 3 of 3 « Prev | Next »

Product

Small Business Loan Product 2 of 3 « Prev | Next »

Product Summary

Number borrowers1,510
Loan Amount (range)AZN 1,000 - 20,000
Loan Term (range)6 - 18
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins
Annual Interest & Method24.0%-36.0% annual, Decl Bal
Fees2.00%-8.00% upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component33.9% - 43.0% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)33.9% - 43.0%
Transparency Index (min/max)0 - N/A
Transparency Index (average)63

Product Summary

2,273
PKR 50,000 - 99,000
11
Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits
43.7% annual, Decl Bal
None
None
None
N/A
 
43.0%
0
0
0
43.0%
100
100

Product Details

Key Statistics
Outstanding portfolio (AZN)AZN 16,453,216
Portfolio (USD)USD 21,093,866.67
Active Clients with Loans1,510
Approximate % Female Clients20% - 40%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Secured loans to Micro enterprises upto 20000 AZN
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
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-ShirvanKur

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 68,658,128
Portfolio (USD)USD 674,222.82
Active Clients with Loans2,273
Approximate % Female Clients0% - 20%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity group
Village banking
Self help group
Other
Description
Small Business Loan for male and female clients to enhance their business. First Time Loan from 50 K to 80 K. For succeeding loan increment of Rs. 15 K each time.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visitsx
Business training
Other training
Other
Other (2)
No other services
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 institution2
# Regions for this product2
Regions ActivePunjab, Sindh

Loan Conditions

Loan Amount
CurrencyAZN
Minimum loan sizeAZN 1,000
Maximum loan size20,000
Distribution at Disbursement (Est.)
Loans less than AZN 1,0000
AZN 1,000-5,00030%
AZN 5,000-8,00020%
AZN 8,000-11,00020%
AZN 11,000-14,00020%
Greater than AZN 14,00020%
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term18.0 months
Approx average0
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months10%
Between 13 and 18 months90%
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

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 50,000
Maximum loan size99,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,0000
PKR 25,000-50,00070%
PKR 50,000-75,00020%
PKR 75,000-150,00010%
Greater than PKR 150,00010%
Loan Term and Grace Period
Shortest loan term11.0 months
Longest loan term11.0 months
Approx average11.0 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 weeksx
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesTime as Client, Loan Size
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionFee for cash withdrawal
% of loan amount - min2.00%
% of loan amount - max8.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
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 interest43.74%
Highest quoted nominal interest43.74%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
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

Micro Loans samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountAZN 1,615AZN 3,240AZN 6,318AZN 10,000AZN 12,500
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-09-262011-06-072011-05-062011-08-162011-08-26
Loan Term (Months)12.0 months12.0 months6.0 months6.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component36.1%39.9%43.0%39.1%33.9%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)36.1%39.9%43.0%39.1%33.9%
Transparency Index6760566171
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

Full Pricing Data

Small Business Loan 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 25,000 Generated 2015-05-01 10.1 months N/A PKR 5,309.33 43.0% 43.0% 0.0% 0.0% 0.0% 0.0% 100 - PDF
PKR 30,000 Generated 2015-05-01 10.1 months N/A PKR 6,371.20 43.0% 43.0% 0.0% 0.0% 0.0% 0.0% 100 - PDF
PKR 35,000 Generated 2015-05-01 10.1 months N/A PKR 7,433.07 43.0% 43.0% 0.0% 0.0% 0.0% 0.0% 100 - PDF
PKR 40,000 Generated 2015-05-01 10.1 months N/A PKR 8,494.93 43.0% 43.0% 0.0% 0.0% 0.0% 0.0% 100 - PDF
PKR 45,000 Generated 2015-05-01 10.1 months N/A PKR 9,556.80 43.0% 43.0% 0.0% 0.0% 0.0% 0.0% 100 - PDF
PKR 60,000 Generated 2015-05-01 10.1 months N/A PKR 12,742.40 43.0% 43.0% 0.0% 0.0% 0.0% 0.0% 100 - PDF
PKR 70,000 Generated 2015-05-01 10.1 months N/A PKR 14,866.13 43.0% 43.0% 0.0% 0.0% 0.0% 0.0% 100 - PDF
PKR 90,000 Generated 2015-05-01 10.1 months N/A PKR 19,113.60 43.0% 43.0% 0.0% 0.0% 0.0% 0.0% 100 - PDF
Micro Loans Price Graphs


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Small Business Loan 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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