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. 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

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

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

Product

Microempresarial Product 5 of 6 « Prev | Next »

Product

Employee loan Product 2 of 2 « Prev | Next »

Product Summary

Number borrowers924
Loan Amount (range)USD 100 - 15,000
Loan Term (range)1 - 49
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 5.00 ongoing
Range of pricing 
Interest Price ComponentN/A
Fee Component18.8% - 26.9% (Int+Fee)
Insurance Component0 - 11.0%
Tax Component Range0
Full APR (int fee ins tax dep)20.7% - 41.2%
Transparency Index (min/max)0 - N/A
Transparency Index (average)69

Product Summary

4,298
AZN 300 - 6,000
3 - 36
Credit Ins
28.0%-34.0% annual, Decl Bal
1.00% upfront 10.00-60.00 upfront
10.00-120.00 upfront
None
N/A
 
27.7% - 32.6%
1.3% - 9.3%
1.5% - 11.7%
0
34.8% - 42.7%
60 - 85
75

Product Details

Key Statistics
Outstanding portfolio (USD)USD 1,214,168.88
Portfolio (USD)USD 1,214,168.88
Active Clients with Loans924
Approximate % Female Clients40% - 60%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Es producto esta dirigido a microempresarios sean del area rural o urbanos que se dedican a actividades microempresariales en pequena escala en actividades especificas de comercio y servicios.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
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
OtherTener calificacion hasta B en central de riesgos o buro de credito
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 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
CurrencyUSD
Minimum loan sizeUSD 100
Maximum loan size15,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term49.0 months
Approx average19.0 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 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 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 depositedUSD 5
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 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

Microempresarial samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountUSD 400USD 1,000USD 2,000USD 3,000USD 10,010
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-05-062010-05-262010-04-132010-05-142010-05-04
Loan Term (Months)6.0 months12.0 months19.0 months25.0 months49.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component25.3%25.5%26.9%25.5%18.8%
Insurance Component11.0%2.1%0.8%0.4%0.1%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component4.9%3.1%3.1%2.8%1.9%
Full APR (int fee ins tax dep)41.2%30.7%30.8%28.7%20.7%
Transparency Index4965657097
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

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
Microempresarial Price Graphs


Click to view Price Analysis Tool
Employee loan Price Graphs


Click to view Price Analysis Tool
Caps / Zoom options
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
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞