2. Unibank
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
  2. VDO
Please note that the information you are viewing is 130 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Unibank Baku şh., Rşid Behbudov kàçsi 57Baku, BakuAZ 1022
Data approved: 2011-12-08
Data version: 2
Age of data: 175 months
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Institution

Villagers Development Organization House # 206-A/A, ABL Street, Chaki ParaShahdadpur, Sindh68030
Data approved: 2013-06-14
Data version: 1
Age of data: 130 months

Product

Mikrokredit (AZM) Product 1 of 1 « Prev | Next »

Product

Live Stock Loan Product 3 of 3 « Prev | Next »

Product Summary

Number borrowers887
Loan Amount (range)AZN 200 - 20,000
Loan Term (range)2 - 24
Other Services (text summary)Business Training
Annual Interest & Method23.0%-36.0% annual, Decl Bal
Fees1.00%-2.00% upfront 2.00%-4.00% ongoing
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component32.2% - 43.6% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)32.2% - 43.6%
Transparency Index (min/max)53 - 71
Transparency Index (average)60

Product Summary

1,085
PKR 5,000 - 30,000
12
Group Mtgs, Tech Asst Visits, Business Training, Other Training, Exposure Visit
22.0% annual, Flat
2.50% upfront
None
None
N/A
 
22.6% - 37.2%
3.5% - 5.1%
0
0
30.2% - 30.3%
0 - N/A
N/A

Product Details

Key Statistics
Outstanding portfolio (AZN)AZN 50,000
Portfolio (USD)USD 64,102.56
Active Clients with Loans887
Approximate % Female Clients20% - 40%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Kiçik, orta sahibkarlÄğÄn v knd tsrràfatÄnÄn inkişafÄna yànldiln biznes kreditlri.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculture
Educationx
Other household financex
OtherKnd tsrràfatÄnÄn inkişafÄ
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business trainingx
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 institution6
# Regions for this product6
Regions ActiveAbsheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Orta Kur

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 9,489,035
Portfolio (USD)USD 96,826.89
Active Clients with Loans1,085
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
livestock product is better for rural community particularly female. Generally livelihood of rural communities depends on Agriculture and livestock. So live stock loan play vital role to alleviate poverty of rural communities.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
OtherExposure Visit
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 groupx
OtherMust have relevant (livestock) experience
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution1
# Regions for this product1
Regions ActiveSindh

Loan Conditions

Loan Amount
CurrencyAZN
Minimum loan sizeAZN 200
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term2.0 months
Longest loan term24.0 months
Approx average15.0 months
Grace Period
Grace period usage10%
Average grace period3.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 5,000
Maximum loan size30,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0005%
PKR 10,000-25,00090%
PKR 25,000-50,0005%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 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 periodDK
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 monthsx
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest23.00%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionNÉğd vÉsaitlÉrin kassadan ÃÄxarÄlmasÄ -1%, Kredit proseduru-1%, SÄğorta haqqÄ -0,33%dÉ n-3% -dÉk
% of loan amount - min1.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
Fee 1
DescriptionNÉğd vÉsaitlÉrin kassadan ÃÄxarÄlmasÄ -1%, Kredit proseduru-1%, SÄğorta haqqÄ -0,33% dÉ n-3%-dÉk
% of loan amount - min2.00%
% of loan amount - max4.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
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 interest22.00%
Highest quoted nominal interest22.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionDocument/Registration Fee
% of loan amount - min2.50%
% of loan amount - max2.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
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

Full Pricing Data

Mikrokredit (AZM) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 350USD 800USD 1,600USD 3,200USD 6,400USD 10,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-08-152011-01-012011-01-012011-01-012011-01-012011-01-01
Loan Term (Months)6.0 months9.0 months12.0 months12.0 months18.0 months24.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component43.6%41.7%39.1%38.2%35.9%32.2%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%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 Index535559606471
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Live Stock Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPKR 12,000PKR 10,000PKR 20,000PKR 30,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-05-072013-05-222013-05-222013-06-11
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)0.1 months0.1 months0.1 months0.1 months
Total Cost of CreditPKR 2,940PKR 2,450PKR 4,900PKR 7,350
True Price by Comp       
Interest price component26.7%26.7%26.7%26.8%
Fee Component3.5%3.5%3.5%3.5%
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)30.2%30.2%30.2%30.3%
Transparency IndexN/AN/AN/AN/A
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Mikrokredit (AZM) Price Graphs


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Live Stock 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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