Number borrowers | 2,540 |
Loan Amount (range) | USD 1,000 - 25,000 |
Loan Term (range) | 8 - 86 |
Other Services (text summary) | Credit Ins, Seguro de Desgravamen |
Annual Interest & Method | 10.0%-17.0% annual, Decl Bal |
Fees | None |
Insurance | None |
Tax | None |
Comp Dep | N/A |
Range of pricing | |
Interest Price Component | N/A |
Fee Component | 10.0% - 17.0% (Int+Fee) |
Insurance Component | 0 |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 10.0% - 17.0% |
Transparency Index (min/max) | 0 - N/A |
Transparency Index (average) | 71 |
913 |
AZN 100 - 1,500 |
3 - 18 |
Credit Ins |
30.0%-36.0% annual, Flat |
5.00-80.00 upfront |
None |
None |
N/A |
N/A |
25.0% - 40.3% (Int+Fee) |
0 |
0 |
25.0% - 40.3% |
62 - 152 |
90 |
Outstanding portfolio (USD) | USD 12,587,370 |
Portfolio (USD) | USD 12,587,370 |
Active Clients with Loans | 2,540 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 60% - 80% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | |
Mortgage/housing | x |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | Adquisicion, Construccion, Terminacion de vivienda |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | |
Other | Seguro de Desgravamen |
Other (2) | |
No other services |
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 | N/A |
# Regions for this product | N/A |
Regions Active |
Outstanding portfolio (AZN) | AZN 25,000 |
Portfolio (USD) | USD 32,051.28 |
Active Clients with Loans | 913 |
Approximate % Female Clients | 40% - 60% |
Approximate % Urban Clients | 20% - 40% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | x |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | |
Must own a home or land | |
Must be a salaried worker | x |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 3 |
# Regions for this product | 3 |
Regions Active | Absheron, Ganja-Qazakh, Shaki-Zaqatala |
Currency | USD |
Minimum loan size | USD 1,000 |
Maximum loan size | 25,000 |
Shortest loan term | 8.0 months |
Longest loan term | 86.0 months |
Approx average | 0 |
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 |
Currency | AZN |
Minimum loan size | AZN 100 |
Maximum loan size | 1,500 |
Shortest loan term | 3.0 months |
Longest loan term | 18.0 months |
Approx average | 15.0 months |
Grace period usage | 0 |
Average grace period | DK |
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 | 10.00% |
Highest quoted nominal interest | 17.00% |
Reason(s) why interest rate varies | Collateral, Loan Purpose, Por la fuente de pago |
Interest rate period | Yearly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | 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 | 30.00% |
Highest quoted nominal interest | 36.00% |
Reason(s) why interest rate varies | Time as Client, Client Risk |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Borcalanin hÉyatinin sigortasi |
% of loan amount - min | 0 |
% of loan amount - max | 0 |
OR, Fixed amount - min | 5 |
Fixed amount - max | 80 |
Reason for variation | |
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 1,000 | USD 2,150 | USD 4,000 | USD 8,000 | USD 12,500 | USD 16,000 | |||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | Not Known | |||||
Disbursement Date | 2010-06-23 | 2010-06-21 | 2010-05-21 | 2010-05-28 | 2010-06-15 | 2010-06-28 | |||||
Loan Term (Months) | 12.0 months | 18.0 months | 36.0 months | 48.0 months | 66.0 months | 84.0 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 | 17.0% | 14.0% | 17.0% | 14.0% | 10.0% | 14.0% | |||||
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) | 17.0% | 14.0% | 17.0% | 14.0% | 10.0% | 14.0% | |||||
Transparency Index | 59 | 71 | 59 | 71 | 100 | 71 | |||||
Original Repayment Schedule | |||||||||||
MFT Pricing Calculation |
Sample 1 | Sample 2 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | AZN 293 | AZN 720 | AZN 1,600 | ||
Loan Cycle (1, 2, 3, etc) | 18 | Not Known | Not Known | ||
Disbursement Date | 2010-01-21 | 2009-09-17 | 2009-11-10 | ||
Loan Term (Months) | 12.0 months | 12.0 months | 12.0 months | ||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | ||
Total Cost of Credit | Not Known | Not Known | Not Known | ||
True Price by Comp | |||||
Interest and Fee Component | 40.3% | 39.2% | 25.0% | ||
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) | 40.3% | 39.2% | 25.0% | ||
Transparency Index | 74 | 77 | 100 | ||
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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By Country | ||||||
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