2. Turanbank
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. RCDS
Please note that the information you are viewing is 132 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: 176 months

Institution

Rural Community Development Society 1st Floor, Hajvery Plaza, Bara Dari Road, Begum Kot, ShahdaraLahore, Punjab54000
Data approved: 2013-08-02
Data version: 1
Age of data: 132 months

Product

Lombard Product 3 of 5 « Prev | Next »

Product

Live Stock Financing Product 3 of 4 « Prev | Next »

Product Summary

Number borrowers780
Loan Amount (range)AZN 50 - 10,000
Loan Term (range)3 - 18
Other Services (text summary)Gàtàràlck qÄzÄl zint şyasÄnÄn qiymtlndirilmsi
Annual Interest & Method30.0%-32.0% annual, Flat
Fees1.00% upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component27.0% - 37.4% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)27.0% - 37.4%
Transparency Index (min/max)62 - 152
Transparency Index (average)89

Product Summary

1,693
PKR 40,000 - 100,000
18
Credit Educ, Group Mtgs, Business Training, Other Training
15.0% annual, Flat
5.00% upfront
None
None
N/A
 
25.5% - 37.1%
5.2% - 10.9%
0
0
33.5% - 34.9%
0 - N/A
N/A

Product Details

Key Statistics
Outstanding portfolio (AZN)AZN 75,000
Portfolio (USD)USD 96,153.85
Active Clients with Loans780
Approximate % Female Clients60% - 80%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
qÄzÄl-zint şyalarÄ tminat gàtàràlrk veriln kreditlr.
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 insurance
Workplace visits
Business training
Other training
OtherGàtàràlck qÄzÄl zint şyasÄnÄn qiymtlndirilmsi
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
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 institution3
# Regions for this product3
Regions ActiveAbsheron, Ganja-Qazakh, Shaki-Zaqatala

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 51,864,804
Portfolio (USD)USD 529,232.69
Active Clients with Loans1,693
Approximate % Female Clients80% - 100%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
This loan product is specificallly designed for live stock clients. The loan will be disbursed based on group lending methodology.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visits
Business trainingx
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried worker
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActivePunjab

Loan Conditions

Loan Amount
CurrencyAZN
Minimum loan sizeAZN 50
Maximum loan size10,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term18.0 months
Approx average12.0 months
Grace Period
Grace period usage10%
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
CurrencyPKR
Minimum loan sizePKR 40,000
Maximum loan size100,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,0000
PKR 25,000-50,00030%
PKR 50,000-75,00050%
PKR 75,000-150,00020%
Greater than PKR 150,00020%
Loan Term and Grace Period
Shortest loan term18.0 months
Longest loan term18.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months100%
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

Pricing Information

Interest
Lowest quoted nominal interest30.00%
Highest quoted nominal interest32.00%
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
DescriptionCommission Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
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 interest15.00%
Highest quoted nominal interest15.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min5.00%
% of loan amount - max5.00%
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

Full Pricing Data

Lombard samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountAZN 1,500AZN 3,000AZN 6,700AZN 9,540.16
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2009-09-252008-11-062010-03-032010-04-13
Loan Term (Months)18.0 months18.0 months18.0 months18.0 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 Component37.4%27.0%37.3%33.9%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)37.4%27.0%37.3%33.9%
Transparency Index801008088
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Live Stock Financing samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPKR 40,000PKR 50,000PKR 100,000PKR 100,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-11-252013-11-252013-12-142013-10-15
Loan Term (Months)18.0 months18.0 months18.0 months18.0 months
Grace Period (Months)-0.3 months-0.3 months0.0 months0.0 months
Total Cost of CreditPKR 11,000.02PKR 13,750.06PKR 27,500.06PKR 27,500.06
True Price by Comp       
Interest price component27.6%27.6%26.5%26.5%
Fee Component7.3%7.3%7.0%7.0%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)34.9%34.9%33.5%33.5%
Transparency IndexN/AN/AN/AN/A
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Lombard Price Graphs


Click to view Price Analysis Tool
Live Stock Financing Price Graphs


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
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞