2. Bonzali Rural
Please note that the information you are viewing is 161 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Bonzali Rural Bank KumbunguNorthern RegionPO Box 1197
Data approved: 2011-12-07
Data version: 1
Age of data: 161 months

Institution Details

Institution TypeRurBank
Is this institution regulated?Yes
Website addressN/A
Year established1990
Head of InstitutionMike D Tizaayel
Regions active
# Branches6

Total Portfolio (nat'l)GHS 3,838,180
Total Portfolio (USD)USD 1,948,314.72
Active clients with loans9,508
Approximate % female clients60% - 80%
Approximate % urban clients40% - 60%
Network affiliationsGHAMFIN, ARB
FundersTrias Ghana, Speed Ghana, Action Aid

Loan Products » Summary

Agricultural
500 Borrowers
USD 77,932.49 Portfolio
Active Product
Microfinance
8,500 Borrowers
USD 1,068,071.07 Portfolio
Active Product
Commercial
400 Borrowers
USD 389,662.94 Portfolio
Active Product
Salary
1,000 Borrowers
USD 155,864.97 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Loan GHS 200 - 2,000 4 - 8 0% - 20% 0% - 20% Agriculture Women, Men Credit Educ, Group Mtgs, Business Training
Bonzali Microfinance Loan GHS 200 - 3,000 4 - 12 60% - 80% 0% - 20% Any Purpose Women, Men Credit Educ, Group Mtgs, Business Training
Commercial Loan GHS 500 - 3,000 6 - 12 80% - 100% 40% - 60% Business Women, Men, Have business Business Training
Personal and Salary Loan GHS 100 - 2,000 6 - 12 40% - 60% 60% - 80% Any Purpose Women, Men, Have business

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 30.00% annual, Flat 1 Fee 0 Ins None 10.00% upfront 88.2% 102.4% 29
Bonzali Microfinance Loan 30.00% annual, Flat 1 Fee 0 Ins None 10.00% upfront 80.1% - 81.3% 96.5% - 100.8% 30
Commercial Loan 30.00% annual, Flat 1 Fee 0 Ins None 10.00 upfront 68.4% - 206.6% 69.7% - 212.3% 25
Personal and Salary Loan 30.00% annual, Flat 1 Fee 0 Ins None N/A 58.6% - 62.1% 58.6% - 62.1% 50
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.RurBankInstitution TypeAgricultureAnyBusinessLoan PurposeBonzali RuralInstitutionGH-010-V01-P01GH-010-V01-P02GH-010-V01-P03GH-010-V01-P04ProductGHCountry2011YearRange Number1Institution Data Version05001,0001,5002,0002,5003,000Loan Size (all)0%50%100%150%200%Full APR (int fee ins tax dep)> 4,2003,1002,1001,000100Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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  2. Viator
Please note that the information you are viewing is 124 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Viator Microcredit Azerbaijan LLC N.Narimanov str., 207, Ganja, AzerbaijanGanjaAZ2000
Data approved: 1900-01-00
Data version: 1
Age of data: 124 months

Product

Agricultural Loan USD Product 5 of 8 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (USD)USD 567,274
Portfolio (USD)USD 567,274
Active Clients with Loans272
Approximate % Female Clients20% - 40%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This product includes all kinds of agricultural business activities, such as animal husbandry, planting, bee-keeping, cattle-breeding, poultry farming.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business trainingx
Other trainingx
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 institution2
# Regions for this product2
Regions ActiveGanja-Qazakh, Shaki-Zaqatala

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 400
Maximum loan size8,000
Distribution at Disbursement (Est.)
Loans less than USD 1,50030%
USD 1,500-5,00050%
USD 5,000-10,00020%
USD 10,000-15,0000
USD 15,000-18,0000
Greater than USD 18,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term18.0 months
Approx average11.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months15%
Between 7 and 9 months15%
Between 10 and 12 months50%
Between 13 and 18 months20%
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period4.0 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 interest2.40%
Highest quoted nominal interest2.90%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Loan Purpose
Interest rate periodMonthly
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 variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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
Viator provides Agricultural Loan soft (USD) with interest rate 2.4% only for clients who are in the 10th cycle and for the clients who have finished 2 business courses training of the FINLED (Financial Literacy and Education) program provided by Viator HRDP Department. For those clients who avail loan less than 2,000 USD Viator shoulders the Credit Bureau fee of 1 AZN.

Full Pricing Data

Agricultural Loan USD samples
Sample 1
Loan AmountUSD 2,600
Loan Cycle (1, 2, 3, etc)Not Known
Disbursement Date2014-05-16
Loan Term (Months)18.0 months
Grace Period (Months)0
Total Cost of CreditUSD 766.75
True Price by Comp 
Interest price component30.7%
Fee Component2.7%
Insurance Component1.5%
Tax Component0
Deposit Component0
Full APR (int fee ins tax dep)34.9%
Transparency Index83
  
Original Repayment SchedulePDF
MFT Pricing CalculationPDF
Agricultural Loan USD Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeAgricultureLoan PurposeViatorInstitutionAZ-012-V01-P05ProductAZCountry1899YearRange Number1Institution Data Version05001,0001,5002,0002,500Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 20102Number of Borrowers
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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:
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