2. COAC SantaAnita
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. FINCA
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

Cooperativa de Ahorro y Credito Santa Anita Imbaubura 8-83 y Vicente RocafuerteCotacachi, Imbabura28034
Data approved: 2010-11-08
Data version: 1
Age of data: 170 months

Institution

FINCA J. Jabbarli str. 44Baku, AzerbaijanAZ 1065
Data approved: 2014-10-10
Data version: 3
Age of data: 121 months
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Product

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Product

Individual Rural Loan (USD) Product 6 of 12 « Prev | Next »

Product Summary

Number borrowers615
Loan Amount (range)USD 100 - 15,000
Loan Term (range)1 - 48
Other Services (text summary)Credit Ins, Tech Asst Visits
Annual Interest & Method20.1%-25.0% annual, Decl Bal
Fees4.00% upfront 12.00 upfront
InsuranceNone
TaxNone
Comp Dep6.7% upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component20.3% - 26.9% (Int+Fee)
Insurance Component0 - 11.0%
Tax Component Range0
Full APR (int fee ins tax dep)22.5% - 36.2%
Transparency Index (min/max)0 - N/A
Transparency Index (average)71

Product Summary

3,408
USD 100 - 10,000
6 - 24
26.0%-37.0% annual, Decl Bal
2.00%-3.00% upfront
None
None
N/A
 
21.8% - 38.4%
1.5% - 7.1%
0
0
32.6% - 40.7%
57 - 94
71

Product Details

Key Statistics
Outstanding portfolio (USD)USD 777,883.75
Portfolio (USD)USD 777,883.75
Active Clients with Loans615
Approximate % Female Clients40% - 60%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Este tipo de credito es destinado a microempresarios de sector rural que se dedican a las actividades agricolas y/o pecuarias en pequena escala, las cuotas se adaptan al flujo de caja de la unidad familiar.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherUsar solo para capital de trabajo
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visitsx
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 worker
Must be specific age group
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 (USD)USD 4,924,783.33
Portfolio (USD)USD 4,924,783.33
Active Clients with Loans3,408
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Rural producers engaged in crop planting, animal husbandry, market gardening, dairy production, other processing activities, and trade in rural produce.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
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 institution8
# Regions for this product8
Regions ActiveAbsheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Orta Kur, Daglig-Shirvan, Nakhichevan

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 100
Maximum loan size15,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term48.0 months
Approx average18.0 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
CurrencyUSD
Minimum loan sizeUSD 100
Maximum loan size10,000
Distribution at Disbursement (Est.)
Loans less than USD 1,50040%
USD 1,500-5,00060%
USD 5,000-10,0000
USD 10,000-15,0000
USD 15,000-18,0000
Greater than USD 18,0000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term24.0 months
Approx average15.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months50%
Between 13 and 18 months50%
Longer than 18 months0
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 payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest20.05%
Highest quoted nominal interest25.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionSeguro de DesgravamenSeguro de Vida y Seguro de Accidentes Personales (prima anual)
% of loan amount - min4.00%0
% of loan amount - max4.00%0
OR, Fixed amount - min012
Fixed amount - max012
Reason for variationN/A
Appears on Repayment Sched?NoNo
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited6.70%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid4.00%
Maximum interest rate paid4.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No
Additional Comments
Ahorros contínuous: este valor está a disposición del socio, lo que nosotros pretendemos poniéndolo en la tabla de amortización es generar en el socio un hábito de ahorro, pero si el socio no ahorra no tiene ninguna incidencia en el crédito.

Pricing Information

Interest
Lowest quoted nominal interest26.00%
Highest quoted nominal interest37.00%
Reason(s) why interest rate variesBranch, 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 1
DescriptionCommission Fee
% of loan amount - min2.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationThe variation is due to loan term. 2% on the term upto 12 months and 3% on higher than 12 months
Appears on Repayment Sched?No
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

Microagropecuario samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 450USD 1,000USD 2,000USD 4,000USD 6,500USD 10,010
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-04-222010-04-282010-04-062010-04-282010-04-232010-05-04
Loan Term (Months)10.0 months12.0 months24.0 months36.0 months36.0 months48.0 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 Component26.8%26.9%26.9%23.9%23.8%20.3%
Insurance Component5.7%2.4%0.7%0.3%0.0%0.1%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component3.6%3.3%3.0%2.5%1.6%2.0%
Full APR (int fee ins tax dep)36.2%32.5%30.6%26.6%25.5%22.5%
Transparency Index556266757989
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Individual Rural Loan (USD) 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
USD 100 Generated 2014-10-01 10.0 months 0.0 months USD 17.49 37.3% 32.6% 4.7% 0.0% 0.0% 0.0% 70 - PDF
USD 115 Generated 2014-10-01 12.1 months 0.0 months USD 20.71 32.7% 26.7% 6.0% 0.0% 0.0% 0.0% 80 - PDF
USD 1,200 Generated 2014-10-01 12.1 months 0.0 months USD 217.96 32.6% 28.7% 3.9% 0.0% 0.0% 0.0% 80 - PDF
USD 1,380 Generated 2014-10-01 18.1 months 0.0 months USD 438.05 37.8% 33.5% 4.3% 0.0% 0.0% 0.0% 69 - PDF
USD 3,000 Generated 2014-10-01 18.1 months 0.0 months USD 976.82 38.3% 35.5% 2.8% 0.0% 0.0% 0.0% 68 - PDF
USD 3,450 Generated 2014-10-01 18.1 months 0.0 months USD 1,189.37 40.7% 36.5% 4.2% 0.0% 0.0% 0.0% 64 - PDF
Microagropecuario Price Graphs


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Individual Rural Loan (USD) 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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X Axis
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