2. DemirBank
Please note that the information you are viewing is 121 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

DemirBank 31 Garabagh str., Baku.,AZ 1008Baku, BakuAZ1008
Data approved: 2014-09-18
Data version: 1
Age of data: 121 months

Product

Employee loan Product 2 of 2 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (AZN)AZN 718,677
Portfolio (USD)USD 921,380.77
Active Clients with Loans4,298
Approximate % Female Clients20% - 40%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Loan is issued to the employees of all kind of education and health sectors. It is provided up to 18 times of salary of the client.
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 insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution7
# Regions for this product8
Regions ActiveAbsheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Orta Kur, Daglig-ShirvanKur

Loan Conditions

Loan Amount
CurrencyAZN
Minimum loan sizeAZN 300
Maximum loan size6,000
Distribution at Disbursement (Est.)
Loans less than AZN 1,00015%
AZN 1,000-5,00070%
AZN 5,000-8,00015%
AZN 8,000-11,0000
AZN 11,000-14,0000
Greater than AZN 14,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term36.0 months
Approx average24.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months10%
Between 10 and 12 months20%
Between 13 and 18 months30%
Longer than 18 months40%
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 interest28.00%
Highest quoted nominal interest34.00%
Reason(s) why interest rate variesTime as Client, Loan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionComission FeeDocument charge
% of loan amount - min1.00%0
% of loan amount - max1.00%0
OR, Fixed amount - min010
Fixed amount - max060
Reason for variationN/AN/A
Appears on Repayment Sched?YesNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionAccident Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min10
Fixed amount - max120
Reason for variationIt is determined according to the loan amount.
Appears on Repayment Sched?No
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

Employee loan samples
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
AZN 2,040 Generated 2014-11-01 9.0 months N/A AZN 354.14 42.7% 29.6% 6.5% 6.6% 0.0% 0.0% 66 - PDF
AZN 3,000 Generated 2014-11-01 12.0 months N/A AZN 622.16 39.0% 30.6% 4.1% 4.3% 0.0% 0.0% 72 - PDF
AZN 3,800 Generated 2014-11-01 18.0 months N/A AZN 1,069.10 36.0% 30.6% 3.0% 2.4% 0.0% 0.0% 78 - PDF
AZN 4,900 Generated 2014-11-01 18.0 months N/A AZN 1,379.63 36.1% 30.6% 3.0% 2.5% 0.0% 0.0% 78 - PDF
AZN 5,200 Generated 2014-11-01 18.0 months N/A AZN 1,456.14 35.8% 30.6% 2.9% 2.3% 0.0% 0.0% 78 - PDF
AZN 6,000 Generated 2014-11-01 24.0 months N/A AZN 2,146.23 34.8% 30.6% 2.4% 1.8% 0.0% 0.0% 81 - PDF
Employee loan Price Graphs


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  2. SRSO
Please note that the information you are viewing is 113 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Sindh Rural Support Organization SRSO Complex, Near Taj Petroleum Pump, Shikarpur Road, SukkurSukkur, Sindh65200
Data approved: 2015-04-30
Data version: 2
Age of data: 113 months
Choose version

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.srso.org.pk
Year established2003
Head of InstitutionMr. Mohammad Dital Kalhoro
Regions activeSindh
# Branches50

Total Portfolio (nat'l)PKR 791,787,630
Total Portfolio (USD)USD 7,775,354.53
Active clients with loans51,175
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsRural Support Programmes Network, National Rural Support Programme, Pakistan Microfinance Network
FundersGovernment of Sindh, Pakistan Poverty Alleviation Fund, First Women Bank

Loan Products » Summary

Agri Inputs
25,349 Borrowers
USD 4,498,830.06 Portfolio
Active Product
Livestock
6,106 Borrowers
USD 910,653.86 Portfolio
Active Product
Enterprise
19,720 Borrowers
USD 2,365,870.61 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agri- Inputs PKR 10,000 - 35,000 4 - 8 80% 0% Business, Agriculture Women Group Mtgs, Tech Asst Visits, Business Training, Other Training
Livestock PKR 10,000 - 25,000 6 - 9 80% - 100% 0% Business Women Group Mtgs, Tech Asst Visits, Business Training, Other Training
Enterprise PKR 10,000 - 50,000 12 80% - 100% 100% Business Women Group Mtgs, Tech Asst Visits, Business Training, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agri- Inputs 28.0% annual, Decl Bal 2 Fees 1 Ins None N/A 28.9% - 35.6% 29.7% - 38.8% 84
Livestock 28.0% annual, Decl Bal 1 Fee 1 Ins None N/A 30.1% - 35.6% 31.4% - 38.8% 82
Enterprise 20.0% annual, Flat 1 Fee 1 Ins None N/A 20.8% - 24.9% 21.2% - 26.6% 87
Institution Price Graph
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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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