Number borrowers | 11,415 |
Loan Amount (range) | AZN 300 - 6,000 |
Loan Term (range) | 3 - 18 |
Other Services (text summary) | Business Training, Other Training |
Annual Interest & Method | 28.8%-34.8% annual, Decl Bal |
Fees | 2.00%-3.00% upfront |
Insurance | 1.00% upfront |
Tax | None |
Comp Dep | N/A |
Range of pricing | |
Interest Price Component | 28.3% - 30.8% |
Fee Component | 2.7% - 3.9% |
Insurance Component | 1.4% - 2.0% |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 35.3% - 36.4% |
Transparency Index (min/max) | 78 - 89 |
Transparency Index (average) | 80 |
78,481 |
PKR 15,000 - 100,000 |
6 - 12 |
28.0% annual, Decl Bal |
400.00 upfront |
100.00 upfront |
None |
N/A |
27.7% - 27.8% |
0.9% - 7.1% |
0.2% - 1.8% |
0 |
28.8% - 36.6% |
76 - 97 |
87 |
Outstanding portfolio (AZN) | AZN 8,650,283 |
Portfolio (USD) | USD 11,090,106.41 |
Active Clients with Loans | 11,415 |
Approximate % Female Clients | 20% - 40% |
Approximate % Urban Clients | 40% - 60% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | x |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
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 | |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 2 |
# Regions for this product | 2 |
Regions Active | Ganja-Qazakh, Shaki-Zaqatala |
Outstanding portfolio (PKR) | PKR 2,176,675,336 |
Portfolio (USD) | USD 21,374,951.80 |
Active Clients with Loans | 78,481 |
Approximate % Female Clients | 20% - 40% |
Approximate % Urban Clients | 0 |
Individual | |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | x |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services | x |
Men | x |
Women | x |
Must run a business | |
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 | 4 |
Regions Active | Azad Kashmir, Islambad Capital Territory, Punjab, Sindh |
Currency | AZN |
Minimum loan size | AZN 300 |
Maximum loan size | 6,000 |
Loans less than AZN 1,000 | 50% |
AZN 1,000-5,000 | 30% |
AZN 5,000-8,000 | 20% |
AZN 8,000-11,000 | 0 |
AZN 11,000-14,000 | 0 |
Greater than AZN 14,000 | 0 |
Shortest loan term | 3.0 months |
Longest loan term | 18.0 months |
Approx average | 11.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 15% |
Between 7 and 9 months | 15% |
Between 10 and 12 months | 50% |
Between 13 and 18 months | 20% |
Longer than 18 months | 0 |
Grace period usage | 100% |
Average grace period | 4.0 months |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Currency | PKR |
Minimum loan size | PKR 15,000 |
Maximum loan size | 100,000 |
Loans less than PKR 10,000 | 0 |
PKR 10,000-25,000 | 10% |
PKR 25,000-50,000 | 80% |
PKR 50,000-75,000 | 5% |
PKR 75,000-150,000 | 5% |
Greater than PKR 150,000 | 5% |
Shortest loan term | 6.0 months |
Longest loan term | 12.0 months |
Approx average | 6.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 60% |
Between 7 and 9 months | 10% |
Between 10 and 12 months | 30% |
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 | 2 |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | 1 |
Irregular payments |
Lowest quoted nominal interest | 2.40% |
Highest quoted nominal interest | 2.90% |
Reason(s) why interest rate varies | Branch, Time as Client, Loan Size, Loan Purpose |
Interest rate period | Monthly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Commission fee |
% of loan amount - min | 2.00% |
% of loan amount - max | 3.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | Yes |
Ins 1 | |
---|---|
Description | Insurance Fee |
% of loan amount - min | 1.00% |
% of loan amount - max | 1.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
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? | No |
Lowest quoted nominal interest | 28.00% |
Highest quoted nominal interest | 28.00% |
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 | Processing/Documentation Charges |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 400 |
Fixed amount - max | 400 |
Reason for variation | N/A |
Appears on Repayment Sched? | Yes |
Ins 1 | |
---|---|
Description | Insurance Charges |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 100 |
Fixed amount - max | 100 |
Reason for variation | N/A |
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? | No |
Sample 1 | Sample 2 | ||
---|---|---|---|
Loan Amount | AZN 500 | AZN 2,300 | |
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | |
Disbursement Date | 2014-05-06 | 2014-05-08 | |
Loan Term (Months) | 12.0 months | 16.0 months | |
Grace Period (Months) | 0.0 months | 0.1 months | |
Total Cost of Credit | AZN 103.35 | AZN 609.84 | |
True Price by Comp | |||
Interest price component | 30.5% | 30.7% | |
Fee Component | 3.9% | 3.0% | |
Insurance Component | 2.0% | 1.6% | |
Tax Component | 0.0% | 0.0% | |
Deposit Component | 0.0% | 0.0% | |
Full APR (int fee ins tax dep) | 36.4% | 35.3% | |
Transparency Index | 79 | 82 | |
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 20,000 | Generated | 2015-05-01 | 6.0 months | N/A | PKR 2,154.78 | 36.6% | 27.7% | 7.1% | 1.8% | 0.0% | 0.0% | 76 | - | |
PKR 20,000 | Generated | 2015-05-01 | 6.0 months | N/A | PKR 2,154.78 | 36.6% | 27.7% | 7.1% | 1.8% | 0.0% | 0.0% | 76 | - | |
PKR 25,000 | Generated | 2015-05-01 | 6.0 months | N/A | PKR 2,568.47 | 34.8% | 27.7% | 5.7% | 1.4% | 0.0% | 0.0% | 80 | - | |
PKR 25,000 | Generated | 2015-05-01 | 6.0 months | N/A | PKR 2,568.47 | 34.8% | 27.7% | 5.7% | 1.4% | 0.0% | 0.0% | 80 | - | |
PKR 30,000 | Generated | 2015-05-01 | 12.0 months | N/A | PKR 5,227.05 | 31.0% | 27.7% | 2.6% | 0.7% | 0.0% | 0.0% | 90 | - | |
PKR 30,000 | Generated | 2015-05-01 | 12.0 months | N/A | PKR 5,227.05 | 31.0% | 27.7% | 2.6% | 0.7% | 0.0% | 0.0% | 90 | - | |
PKR 35,000 | Generated | 2015-05-01 | 6.0 months | N/A | PKR 3,395.86 | 32.8% | 27.7% | 4.0% | 1.1% | 0.0% | 0.0% | 85 | - | |
PKR 35,000 | Generated | 2015-05-01 | 6.0 months | N/A | PKR 3,395.86 | 32.8% | 27.7% | 4.0% | 1.1% | 0.0% | 0.0% | 85 | - | |
PKR 40,000 | Generated | 2015-05-01 | 9.0 months | N/A | PKR 5,295.90 | 30.8% | 27.7% | 2.5% | 0.6% | 0.0% | 0.0% | 91 | - | |
PKR 40,000 | Generated | 2015-05-01 | 9.0 months | N/A | PKR 5,295.90 | 30.8% | 27.7% | 2.5% | 0.6% | 0.0% | 0.0% | 91 | - | |
PKR 45,000 | Generated | 2015-05-01 | 6.0 months | N/A | PKR 4,223.25 | 31.6% | 27.7% | 3.1% | 0.8% | 0.0% | 0.0% | 89 | - | |
PKR 45,000 | Generated | 2015-05-01 | 6.0 months | N/A | PKR 4,223.25 | 31.6% | 27.7% | 3.1% | 0.8% | 0.0% | 0.0% | 89 | - | |
PKR 60,000 | Generated | 2015-05-01 | 6.0 months | N/A | PKR 5,464.33 | 30.6% | 27.7% | 2.3% | 0.6% | 0.0% | 0.0% | 91 | - | |
PKR 60,000 | Generated | 2015-05-01 | 6.0 months | N/A | PKR 5,464.33 | 30.6% | 27.7% | 2.3% | 0.6% | 0.0% | 0.0% | 91 | - | |
PKR 90,000 | Generated | 2015-05-01 | 12.0 months | N/A | PKR 14,681.15 | 28.8% | 27.7% | 0.9% | 0.2% | 0.0% | 0.0% | 97 | - | |
PKR 90,000 | Generated | 2015-05-01 | 12.0 months | N/A | PKR 14,681.15 | 28.8% | 27.7% | 0.9% | 0.2% | 0.0% | 0.0% | 97 | - |
Key Statistics | |
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# 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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