2. Turanbank
Please note that the information you are viewing is 181 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. CEPESIU
Please note that the information you are viewing is 175 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

TuranBank ASC IsmayÄlbey QutkaşÄnlÄ kàçsi 85Baku, Baku1000
Data approved: 2010-05-24
Data version: 1
Age of data: 181 months

Institution

CEPESIU Veintimilla E10-50 y Av. 12 de OctubreEdificio Quito 12 El Giron Torre W, PenthouseQuito, Pichincha
Data approved: 2010-11-22
Data version: 1
Age of data: 175 months

Product

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Product

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Product Summary

Number borrowers913
Loan Amount (range)AZN 100 - 1,500
Loan Term (range)3 - 18
Other Services (text summary)Credit Ins
Annual Interest & Method30.0%-36.0% annual, Flat
Fees5.00-80.00 upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component25.0% - 40.3% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)25.0% - 40.3%
Transparency Index (min/max)62 - 152
Transparency Index (average)90

Product Summary

1,612
USD 200 - 1,500
4 - 18
Tech Asst Visits
28.6% annual, Decl Bal
None
None
None
12.0% upfront
 
N/A
19.8% - 24.8% (Int+Fee)
0
0
25.2% - 31.1%
87 - 188
97

Product Details

Key Statistics
Outstanding portfolio (AZN)AZN 25,000
Portfolio (USD)USD 32,051.28
Active Clients with Loans913
Approximate % Female Clients40% - 60%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
IstehlakçÄlarÄn 1 500 manatadk yaranmÄş tlbatlarÄn àdnilmsi àçàn yaranmÄş kredit mhsulu
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution3
# Regions for this product3
Regions ActiveAbsheron, Ganja-Qazakh, Shaki-Zaqatala

Product Details

Key Statistics
Outstanding portfolio (USD)USD 589,823
Portfolio (USD)USD 589,823
Active Clients with Loans1,612
Approximate % Female Clients60% - 80%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Dirigido al conjunto de microempresas de los segmentos de subsistencia y acumulación simple, bajo la metodologia de grupo solidario.
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 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
OtherBuena calificacion en central de riesgos.
Other (2)Negocio funcionando 1 año.
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyAZN
Minimum loan sizeAZN 100
Maximum loan size1,500
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term18.0 months
Approx average15.0 months
Grace Period
Grace period usage0
Average grace periodDK
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
CurrencyUSD
Minimum loan sizeUSD 200
Maximum loan size1,500
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term18.0 months
Approx average7.0 months
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 interest30.00%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesTime as Client, Client Risk
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionBorcalanin hÉyatinin sigortasi
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min5
Fixed amount - max80
Reason for variation
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 interest28.56%
Highest quoted nominal interest28.56%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termNo
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited12.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to deposit
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
Cepesiu no puede captar ahorros, se trata de un FONDO DE GARANTIA, que es devuelto cuando deudor y miembros de grupo han cancelado sus obligaciones.

Full Pricing Data

Kiçik hecmli isthlak samples
Sample 1Sample 2Sample 3
Loan AmountAZN 293AZN 720AZN 1,600
Loan Cycle (1, 2, 3, etc)18Not KnownNot Known
Disbursement Date2010-01-212009-09-172009-11-10
Loan Term (Months)12.0 months12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component40.3%39.2%25.0%
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)40.3%39.2%25.0%
Transparency Index7477100
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Programa Grupo Solidario samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 340.91USD 454.55USD 568.18USD 909.09
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2010-09-172010-09-102010-10-252010-10-29
Loan Term (Months)5.0 months6.0 months6.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component24.8%24.8%24.8%19.8%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component6.1%6.3%6.3%5.4%
Full APR (int fee ins tax dep)30.9%31.1%31.1%25.2%
Transparency Index929292100
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Kiçik hecmli isthlak Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.BankInstitution TypeAnyLoan PurposeTuranbankInstitutionAZ-009-V01-P02ProductAZCountry2010YearRange Number1Institution Data Version05001,0001,500Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 40020020Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Click to view Price Analysis Tool
Programa Grupo Solidario Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeCEPESIUInstitutionEC-004-V01-P03ProductECCountry2010YearRange Number1Institution Data Version0200400600800Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 80040040Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Click to view Price Analysis Tool
Caps / Zoom options
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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