Number borrowers | 887 |
Loan Amount (range) | AZN 200 - 20,000 |
Loan Term (range) | 2 - 24 |
Other Services (text summary) | Business Training |
Annual Interest & Method | 23.0%-36.0% annual, Decl Bal |
Fees | 1.00%-2.00% upfront 2.00%-4.00% ongoing |
Insurance | None |
Tax | None |
Comp Dep | N/A |
Range of pricing | |
Interest Price Component | N/A |
Fee Component | 32.2% - 43.6% (Int+Fee) |
Insurance Component | 0 |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 32.2% - 43.6% |
Transparency Index (min/max) | 53 - 71 |
Transparency Index (average) | 60 |
73 |
PKR 100,000 - 300,000 |
24 |
Credit Educ, 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 |
30.7% - 31.8% |
0 - N/A |
N/A |
Outstanding portfolio (AZN) | AZN 50,000 |
Portfolio (USD) | USD 64,102.56 |
Active Clients with Loans | 887 |
Approximate % Female Clients | 20% - 40% |
Approximate % Urban Clients | 40% - 60% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | x |
Consumer loan | x |
Agriculture | |
Education | x |
Other household finance | x |
Other | Knd tsrràfatÄnÄn inkiÅafÄ |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | |
Workplace visits | |
Business training | x |
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 | Absheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Orta Kur |
Outstanding portfolio (PKR) | PKR 5,284,638 |
Portfolio (USD) | USD 53,924.88 |
Active Clients with Loans | 73 |
Approximate % Female Clients | 0 |
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 | x |
Group meetings | |
Credit insurance | |
Workplace visits | |
Business training | x |
Other training | x |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | x |
Must be a salaried worker | |
Must be specific age group | x |
Other | |
Other (2) |
# Regions for this institution | 1 |
# Regions for this product | 1 |
Regions Active | Punjab |
Currency | AZN |
Minimum loan size | AZN 200 |
Maximum loan size | 20,000 |
Shortest loan term | 2.0 months |
Longest loan term | 24.0 months |
Approx average | 15.0 months |
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 | x |
Irregular payments |
Currency | PKR |
Minimum loan size | PKR 100,000 |
Maximum loan size | 300,000 |
Loans less than PKR 10,000 | 0 |
PKR 10,000-25,000 | 0 |
PKR 25,000-50,000 | 0 |
PKR 50,000-75,000 | 0 |
PKR 75,000-150,000 | 50% |
Greater than PKR 150,000 | 50% |
Shortest loan term | 24.0 months |
Longest loan term | 24.0 months |
Approx average | 24.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 0 |
Between 13 and 18 months | 0 |
Longer than 18 months | 100% |
Grace period usage | 0 |
Average grace period | 0 |
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 | 23.00% |
Highest quoted nominal interest | 36.00% |
Reason(s) why interest rate varies | Branch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose |
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 | NÉÄd vÉsaitlÉrin kassadan ÃÄxarÄlmasÄ -1%, Kredit proseduru-1%, SÄÄorta haqqÄ -0,33%dÉ n-3% -dÉk |
% of loan amount - min | 1.00% |
% of loan amount - max | 2.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
Fee 1 | |
---|---|
Description | NÉÄd vÉsaitlÉrin kassadan ÃÄxarÄlmasÄ -1%, Kredit proseduru-1%, SÄÄorta haqqÄ -0,33% dÉ n-3%-dÉk |
% of loan amount - min | 2.00% |
% of loan amount - max | 4.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
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 | 15.00% |
Highest quoted nominal interest | 15.00% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Processing Fee |
% of loan amount - min | 5.00% |
% of loan amount - max | 5.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
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 |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | ||||||
---|---|---|---|---|---|---|---|---|---|---|---|
Loan Amount | USD 350 | USD 800 | USD 1,600 | USD 3,200 | USD 6,400 | USD 10,000 | |||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
Disbursement Date | 2011-08-15 | 2011-01-01 | 2011-01-01 | 2011-01-01 | 2011-01-01 | 2011-01-01 | |||||
Loan Term (Months) | 6.0 months | 9.0 months | 12.0 months | 12.0 months | 18.0 months | 24.0 months | |||||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | 0.0 months | |||||
Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
True Price by Comp | |||||||||||
Interest and Fee Component | 43.6% | 41.7% | 39.1% | 38.2% | 35.9% | 32.2% | |||||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |||||
Full APR (int fee ins tax dep) | 43.6% | 41.7% | 39.1% | 38.2% | 35.9% | 32.2% | |||||
Transparency Index | 53 | 55 | 59 | 60 | 64 | 71 | |||||
Original Repayment Schedule | |||||||||||
MFT Pricing Calculation |
Sample 1 | Sample 2 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | PKR 100,000 | PKR 200,000 | PKR 300,000 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2013-12-17 | 2013-10-05 | 2013-11-01 | ||
Loan Term (Months) | 24.0 months | 25.0 months | 25.0 months | ||
Grace Period (Months) | 0.0 months | 0.4 months | 0.4 months | ||
Total Cost of Credit | PKR 35,000.02 | PKR 70,000.04 | PKR 105,000 | ||
True Price by Comp | |||||
Interest price component | 26.3% | 25.6% | 25.5% | ||
Fee Component | 5.5% | 5.2% | 5.2% | ||
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) | 31.8% | 30.8% | 30.7% | ||
Transparency Index | N/A | N/A | N/A | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
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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