2. Cooprogreso
Please note that the information you are viewing is 170 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Unibank
Please note that the information you are viewing is 176 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Cooperativa de Ahorra y Credito Cooprogreso Av. Manuel Córdova Galarza 9380 y Bogotá PomasquiQuito, Pichincha593
Data approved: 2010-11-22
Data version: 1
Age of data: 170 months

Institution

Unibank Baku şh., Rşid Behbudov kàçsi 57Baku, BakuAZ 1022
Data approved: 2011-12-08
Data version: 2
Age of data: 176 months
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Product

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Product

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

Product Summary

Number borrowers500
Loan Amount (range)USD 600 - 8,000
Loan Term (range)12 - 36
Other Services (text summary)Credit Ins
Annual Interest & Method15.2% annual, Decl Bal
Fees1.20% ongoing
InsuranceNone
TaxNone
Comp Dep1.5% upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component15.4% - 16.1% (Int+Fee)
Insurance Component-1.3% - 3.0%
Tax Component Range0
Full APR (int fee ins tax dep)16.4% - 16.5%
Transparency Index (min/max)76 - 100
Transparency Index (average)92

Product Summary

887
AZN 200 - 20,000
2 - 24
Business Training
23.0%-36.0% annual, Decl Bal
1.00%-2.00% upfront 2.00%-4.00% ongoing
None
None
N/A
 
N/A
32.2% - 43.6% (Int+Fee)
0
0
32.2% - 43.6%
53 - 71
60

Product Details

Key Statistics
Outstanding portfolio (USD)USD 22,845,920
Portfolio (USD)USD 22,845,920
Active Clients with Loans500
Approximate % Female Clients20% - 40%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Para satisfacer las necesidades consumo de personas con relación de dependencia, con descuento por rol de pagos.
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 services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried workerx
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

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

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 600
Maximum loan size8,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term36.0 months
Approx average36.0 months
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

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

Pricing Information

Interest
Lowest quoted nominal interest15.15%
Highest quoted nominal interest15.15%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionSeguro de Desgravamen
% of loan amount - min1.20%
% of loan amount - max1.20%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited1.50%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid2.00%
Maximum interest rate paid3.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No

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

Full Pricing Data

CNMPE samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 1,000USD 2,100USD 4,000USD 8,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2010-09-132010-09-102010-09-092010-09-13
Loan Term (Months)21.0 months36.0 months36.0 months36.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component15.4%16.1%15.4%16.1%
Insurance Component0.7%0.0%0.7%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.4%0.4%0.4%0.4%
Full APR (int fee ins tax dep)16.5%16.4%16.5%16.5%
Transparency Index92929292
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

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
CNMPE Price Graphs


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Mikrokredit (AZM) 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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