2. INSOTEC
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. Bank of Baku
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

INSOTEC Juan León Mera N24-12 y WilsonQuito, Pichincha
Data approved: 2010-11-08
Data version: 1
Age of data: 170 months

Institution

Bank of Baku Baku şh.Atatàrk pr-ti 42Baku, BakuAZ1069
Data approved: 2010-05-24
Data version: 1
Age of data: 176 months

Product

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Product

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Product Summary

Number borrowers3,966
Loan Amount (range)USD 300 - 10,000
Loan Term (range)4 - 30
Other Services (text summary)Credit Ins
Annual Interest & Method22.3%-26.9% annual, Decl Bal
Fees1.90% ongoing
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component24.8% - 27.3% (Int+Fee)
Insurance Component2.7% - 3.2%
Tax Component Range0
Full APR (int fee ins tax dep)28.0% - 30.5%
Transparency Index (min/max)73 - 87
Transparency Index (average)75

Product Summary

10,701
AZN 150 - 3,000
3 - 24
yox, yox
30.0%-36.0% annual, Decl Bal
5.00% upfront
None
None
N/A
 
N/A
40.7% - 53.4% (Int+Fee)
0
0
40.7% - 53.4%
37 - 86
67

Product Details

Key Statistics
Outstanding portfolio (USD)USD 3,443,769.36
Portfolio (USD)USD 3,443,769.36
Active Clients with Loans3,966
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Promueve el financiamiento de capital de trabajo y activos fijos, principalmente dentro de las actividades agropecuarias.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherMejora Local
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 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 institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (AZN)AZN 5,144,742.90
Portfolio (USD)USD 6,595,824.23
Active Clients with Loans10,701
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Istniln mişt avadÄnlÄğÄnÄn alÄnmasÄ àçàn ayrÄlan kredit
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 insurance
Workplace visits
Business training
Other training
Otheryox
Other (2)yox
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
Othertqaàdçàl
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 300
Maximum loan size10,000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term30.0 months
Approx average10.6 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
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 150
Maximum loan size3,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx average12.0 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

Pricing Information

Interest
Lowest quoted nominal interest22.28%
Highest quoted nominal interest26.92%
Reason(s) why interest rate variesBranch, Client Risk
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 , Seguro de Vida
% of loan amount - min1.90%
% of loan amount - max1.90%
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 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

Pricing Information

Interest
Lowest quoted nominal interest30.00%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose, MàŒxt?lif kredit kampaniyaları
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionnağdlaşdÄrma vÉ kreditin rÉsmilÉ ÅŸdirilmÉsi
% of loan amount - min5.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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
Additional Comments
xeyr

Full Pricing Data

CrediAgro samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountUSD 400USD 950USD 1,900USD 4,000USD 6,700
Loan Cycle (1, 2, 3, etc)1333Not Known
Disbursement Date2010-07-102010-06-182010-06-082010-07-122010-07-09
Loan Term (Months)6.0 months10.0 months14.0 months18.0 months12.0 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 Component27.3%27.3%27.3%24.8%24.8%
Insurance Component3.1%3.2%3.2%3.2%3.2%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)30.4%30.5%30.5%28.0%28.1%
Transparency Index7373737979
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

Full Pricing Data

Mit texnikas, Mebel samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountAZN 359AZN 877AZN 1,485AZN 3,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2009-10-272009-10-262009-09-182010-03-05
Loan Term (Months)12.0 months12.0 months12.0 months18.0 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 Component53.4%40.7%43.5%43.5%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)53.4%40.7%43.5%43.5%
Transparency Index56746969
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
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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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