2. KRB
Please note that the information you are viewing is 144 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 181 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Kumanwuman Rural Bank Limited P.O.Box 33Kumawu-AshantiKumasi, Ashanti233
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 
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Institution

Bank of Baku Baku şh.Atatàrk pr-ti 42Baku, BakuAZ1069
Data approved: 2010-05-24
Data version: 1
Age of data: 181 months

Product

Susu Loan Product 3 of 3 « Prev | Next »

Product

Mikrokredit Product 1 of 4 « Prev | Next »

Product Summary

Number borrowers1,438
Loan Amount (range)GHS 50 - 20,000
Loan Term (range)3 - 12
Other Services (text summary)
Annual Interest & Method28.00%-0.00% annual, Flat
Fees
Insurance
Tax
Comp Dep
Range of pricing 
Interest Price ComponentN/A
Fee Component50.1% - 58.3% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)172.0% - 240.8%
Transparency Index (min/max)12 - 66
Transparency Index (average)12

Product Summary

7,478
USD 300 - 20,000
3 - 24
27.0%-32.0% annual, Decl Bal
10.00% ongoing
None
None
10.0%-15.0% upfront
 
N/A
31.3% - 39.2% (Int+Fee)
0
0
31.3% - 73.0%
37 - 86
63

Product Details

Key Statistics
Outstanding portfolio (GHS)GHS 1,426,000
Portfolio (USD)USD 950,667
Active Clients with Loans1,438
Approximate % Female Clients60% - 80%
Approximate % Urban Clients40% - 60%
Methodology
Individual
Solidarity group
Village banking
Self help groupx
Other
Description
This loan is given to individuals who contribute a lowest amount of one cedi. After three months, the individual can now apply for a loan.\r
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculture
Educationx
Other household financex
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business training
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
Othermust have contributed at least 3 months into susus account
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 17,685,112.71
Portfolio (USD)USD 17,685,112.71
Active Clients with Loans7,478
Approximate % Female Clients20% - 40%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Kiçik sahibkarlara biznesin thlili yolu il veriln kreditdir.Hr bir kiçik sahibkar biznesini genişlndirmk àçàn bu mhsuldan istifad ed bilr.
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 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
Other20-65 yaş
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
CurrencyGHS
Minimum loan sizeGHS 50
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term12.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
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 300
Maximum loan size20,000
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 interest28.00%
Highest quoted nominal interest28.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCommitment Fee
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited50.00% - N/A
or, Fixed-amount deposited0 - N/A
Deposits DURING period payments
% loan amount deposited0 - N/A
or, Fixed-amount deposited0 - N/A
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid4.00%
Maximum interest rate paid4.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest27.00%
Highest quoted nominal interest32.00%
Reason(s) why interest rate variesClient Risk, Collateral
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionGÃtÃÃlÉn mÉblÉğin 1 % + 300-9999 USD qÉdÉ 12,5 USD,10000-20000 USD qÉdÉ 25 USD komissiya
% of loan amount - min10.00%
% of loan amount - max10.00%
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 forSome
CriteriaBzi vaxtlar n azÄ aylÄq àdnişin 1 misli qd
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?Yes
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00% - 15.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Susu Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountGHS 200GHS 800GHS 1,500GHS 4,000GHS 5,000GHS 10,000
Loan Cycle (1, 2, 3, etc)Not Known1Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-04-092013-01-242012-08-222013-02-122012-08-222013-02-12
Loan Term (Months)6.0 months6.0 months6.0 months8.0 months6.0 months8.0 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 Component58.3%57.9%57.6%56.3%57.1%50.1%
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 Component170.6%168.0%183.3%155.6%165.5%121.9%
Full APR (int fee ins tax dep)229.0%225.9%240.8%211.9%222.6%172.0%
Transparency Index121212131316
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF

Full Pricing Data

Mikrokredit samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 400USD 1,200USD 2,000USD 4,200USD 8,500USD 12,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2009-09-192009-07-102009-07-082009-08-242008-10-242008-03-19
Loan Term (Months)12.0 months12.0 months18.0 months12.0 months18.0 months18.0 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 Component39.2%34.1%32.4%32.6%31.7%31.3%
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%38.9%24.1%0.0%15.3%0.0%
Full APR (int fee ins tax dep)39.2%73.0%56.5%32.6%47.0%31.3%
Transparency Index693748835786
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Susu Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.Private \'For-Profit\'Institution TypeBusinessLoan PurposeKRBInstitutionGH-028-V01-P03ProductGHCountry2011YearRange Number1Institution Data Version02,0004,0006,0008,00010,000Loan Size (all)0%50%100%150%200%250%Full APR (int fee ins tax dep)> 20010010Number 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.
Click to view Price Analysis Tool
Mikrokredit Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.BankInstitution TypeBusinessLoan PurposeBank of BakuInstitutionAZ-002-V01-P01ProductAZCountry2010YearRange Number1Institution Data Version02,0004,0006,0008,00010,00012,000Loan Size (all)0%20%40%60%80%Full APR (int fee ins tax dep)> 1,4001,10070030040Number 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.
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
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