780 |
AZN 50 - 10,000 |
3 - 18 |
Gàtàràlck qÄzÄl zint ÅyasÄnÄn qiymtlndirilmsi |
30.0%-32.0% annual, Flat |
1.00% upfront |
None |
None |
N/A |
N/A |
27.0% - 37.4% (Int+Fee) |
0 |
0 |
27.0% - 37.4% |
62 - 152 |
89 |
Outstanding portfolio (AZN) | AZN 75,000 |
Portfolio (USD) | USD 96,153.85 |
Active Clients with Loans | 780 |
Approximate % Female Clients | 60% - 80% |
Approximate % Urban Clients | 40% - 60% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | x |
Income generation | |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | |
Workplace visits | |
Business training | |
Other training | |
Other | Gàtàràlck qÄzÄl zint ÅyasÄnÄn qiymtlndirilmsi |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Other | |
Other (2) |
# Regions for this institution | 3 |
# Regions for this product | 3 |
Regions Active | Absheron, Ganja-Qazakh, Shaki-Zaqatala |
Currency | AZN |
Minimum loan size | AZN 50 |
Maximum loan size | 10,000 |
Shortest loan term | 3.0 months |
Longest loan term | 18.0 months |
Approx average | 12.0 months |
Grace period usage | 10% |
Average grace period | DK |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 30.00% |
Highest quoted nominal interest | 32.00% |
Reason(s) why interest rate varies | Time as Client, Client Risk |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Commission Fee |
% of loan amount - min | 1.00% |
% of loan amount - max | 1.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | |
Appears on Repayment Sched? | Yes |
Required for | Never |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | N/A |
Do borrowers control deposit in their group? | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
% loan amount deposited | N/A |
or, Fixed-amount deposited | N/A |
Conditions on access to deposit | N/A |
Minimum interest rate paid | N/A |
Maximum interest rate paid | N/A |
Interest payment frequency | N/A |
Are taxes charged on this product? | No |
Sample 1 | Sample 2 | Sample 3 | Sample 4 | ||||
---|---|---|---|---|---|---|---|
Loan Amount | AZN 1,500 | AZN 3,000 | AZN 6,700 | AZN 9,540.16 | |||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
Disbursement Date | 2009-09-25 | 2008-11-06 | 2010-03-03 | 2010-04-13 | |||
Loan Term (Months) | 18.0 months | 18.0 months | 18.0 months | 18.0 months | |||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | 0.0 months | |||
Total Cost of Credit | Not Known | Not Known | Not Known | Not Known | |||
True Price by Comp | |||||||
Interest and Fee Component | 37.4% | 27.0% | 37.3% | 33.9% | |||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Deposit Component | 0.0% | 0.0% | 0.0% | 0.0% | |||
Full APR (int fee ins tax dep) | 37.4% | 27.0% | 37.3% | 33.9% | |||
Transparency Index | 80 | 100 | 80 | 88 | |||
Original Repayment Schedule | |||||||
MFT Pricing Calculation |
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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
---|---|---|---|---|---|---|---|
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N (# of Samples) | ||||||
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Std Dev | ||||||
By Inst Type | ||||||
By Country | ||||||
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Less or equal to: | ||||||
From 0 to | ||||||
to | ||||||
to | ||||||
to ∞ |