Number borrowers | 913 |
Loan Amount (range) | AZN 100 - 1,500 |
Loan Term (range) | 3 - 18 |
Other Services (text summary) | Credit Ins |
Annual Interest & Method | 30.0%-36.0% annual, Flat |
Fees | 5.00-80.00 upfront |
Insurance | None |
Tax | None |
Comp Dep | N/A |
Range of pricing | |
Interest Price Component | N/A |
Fee Component | 25.0% - 40.3% (Int+Fee) |
Insurance Component | 0 |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 25.0% - 40.3% |
Transparency Index (min/max) | 62 - 152 |
Transparency Index (average) | 90 |
1,197 |
PKR 25,000 - 150,000 |
3 - 6 |
Credit Ins |
25.0% annual, Decl Bal |
800.00-1,000.00 upfront |
None |
16.00% fees |
N/A |
22.4% - 30.6% |
1.0% - 13.7% |
0 |
0.1% - 2.3% |
25.1% - 30.0% |
67 - 100 |
95 |
Outstanding portfolio (AZN) | AZN 25,000 |
Portfolio (USD) | USD 32,051.28 |
Active Clients with Loans | 913 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 20% - 40% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | x |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
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 |
Men | x |
Women | x |
Must run a business | |
Must own a home or land | |
Must be a salaried worker | x |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 3 |
# Regions for this product | 3 |
Regions Active | Absheron, Ganja-Qazakh, Shaki-Zaqatala |
Outstanding portfolio (PKR) | PKR 126,658,375 |
Portfolio (USD) | USD 1,243,785.24 |
Active Clients with Loans | 1,197 |
Approximate % Female Clients | 0% - 20% |
Approximate % Urban Clients | 20% - 40% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
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 |
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 | 6 |
# Regions for this product | 6 |
Regions Active | Azad Kashmir, Balochistan, Islambad Capital Territory, Khyber Pakhtunkwa, Punjab, Sindh |
Currency | AZN |
Minimum loan size | AZN 100 |
Maximum loan size | 1,500 |
Shortest loan term | 3.0 months |
Longest loan term | 18.0 months |
Approx average | 15.0 months |
Grace period usage | 0 |
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 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 | 10% |
PKR 50,000-75,000 | 10% |
PKR 75,000-150,000 | 80% |
Greater than PKR 150,000 | 80% |
Shortest loan term | 3.0 months |
Longest loan term | 6.0 months |
Approx average | 0 |
Loans 3 months or less | 0 |
Between 4 and 6 months | 100% |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 0 |
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 | 30.00% |
Highest quoted nominal interest | 36.00% |
Reason(s) why interest rate varies | Time as Client, Client Risk |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Borcalanin hÉyatinin sigortasi |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 5 |
Fixed amount - max | 80 |
Reason for variation | |
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 | 25.00% |
Highest quoted nominal interest | 25.00% |
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 | Processeng Fee |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 800 |
Fixed amount - max | 1,000 |
Reason for variation | Loan <= PKR 30,000 = PKR 800 , Loan > PKR 30,000 = PKR 1000 |
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 |
Sample 1 | Sample 2 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | AZN 293 | AZN 720 | AZN 1,600 | ||
Loan Cycle (1, 2, 3, etc) | 18 | Not Known | Not Known | ||
Disbursement Date | 2010-01-21 | 2009-09-17 | 2009-11-10 | ||
Loan Term (Months) | 12.0 months | 12.0 months | 12.0 months | ||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | ||
Total Cost of Credit | Not Known | Not Known | Not Known | ||
True Price by Comp | |||||
Interest and Fee Component | 40.3% | 39.2% | 25.0% | ||
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) | 40.3% | 39.2% | 25.0% | ||
Transparency Index | 74 | 77 | 100 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
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 30,000 | Generated | 2015-06-01 | 5.9 months | N/A | PKR 4,626.63 | 30.0% | 23.6% | 5.5% | 0.0% | 0.9% | 0.0% | 83 | - | |
PKR 60,000 | Generated | 2015-06-01 | 5.9 months | N/A | PKR 8,325.26 | 26.7% | 23.6% | 2.7% | 0.0% | 0.4% | 0.0% | 93 | - | |
PKR 75,000 | Generated | 2015-06-01 | 5.9 months | N/A | PKR 10,174.58 | 26.1% | 23.6% | 2.2% | 0.0% | 0.3% | 0.0% | 96 | - | |
PKR 80,000 | Generated | 2015-06-01 | 5.9 months | N/A | PKR 10,791.01 | 26.0% | 23.6% | 2.0% | 0.0% | 0.4% | 0.0% | 96 | - | |
PKR 85,000 | Generated | 2015-06-01 | 5.9 months | N/A | PKR 11,407.45 | 25.8% | 23.6% | 1.9% | 0.0% | 0.3% | 0.0% | 97 | - | |
PKR 95,000 | Generated | 2015-06-01 | 5.9 months | N/A | PKR 12,640.33 | 25.6% | 23.6% | 1.7% | 0.0% | 0.3% | 0.0% | 98 | - | |
PKR 100,000 | Generated | 2015-06-01 | 5.9 months | N/A | PKR 13,256.77 | 25.5% | 23.6% | 1.6% | 0.0% | 0.3% | 0.0% | 98 | - | |
PKR 125,000 | Generated | 2015-06-01 | 5.9 months | N/A | PKR 16,338.96 | 25.1% | 23.6% | 1.3% | 0.0% | 0.2% | 0.0% | 100 | - |
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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Greater than: | ||||||
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By Country | ||||||
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From 0 to | ||||||
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