| 5,751 |
| AZN 500 - 50,000 |
| 3 - 36 |
| Yox, Yox |
| 20.0%-26.0% annual, Decl Bal |
| 4.00%-4.50% upfront |
| None |
| None |
| N/A |
| N/A |
| 23.4% - 34.7% (Int+Fee) |
| 0 |
| 0 |
| 23.4% - 34.7% |
| 37 - 86 |
| 74 |
| Outstanding portfolio (AZN) | AZN 55,853,742.66 |
| Portfolio (USD) | USD 71,607,362.38 |
| Active Clients with Loans | 5,751 |
| Approximate % Female Clients | 20% - 40% |
| Approximate % Urban Clients | 80% - 100% |
| 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 | Yox |
| Other (2) | Yox |
| No other services | x |
| 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 | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Currency | AZN |
| Minimum loan size | AZN 500 |
| Maximum loan size | 50,000 |
| Shortest loan term | 3.0 months |
| Longest loan term | 36.0 months |
| Approx average | 36.0 months |
| Grace period usage | 0 |
| Average grace period | 0 |
| 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 | 20.00% |
| Highest quoted nominal interest | 26.00% |
| Reason(s) why interest rate varies | Branch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose, Avtomobil markalarından asılı olaraq d?yiÅir |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | |
|---|---|
| Description | Kreditin rÉsmilÉÅdirilmÉsi, naÄdlaÅdırma vÉ kreditin xidmÉt olunmasÄ |
| % of loan amount - min | 4.00% |
| % of loan amount - max | 4.50% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | NA |
| Appears on Repayment Sched? | No |
| 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 3,150 | AZN 6,250 | AZN 9,937 | AZN 12,780 | |||
| Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | |||
| Disbursement Date | 2010-01-05 | 2007-12-10 | 2009-08-05 | 2008-07-16 | |||
| Loan Term (Months) | 18.0 months | 36.0 months | 36.0 months | 36.0 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 | 34.7% | 27.2% | 23.4% | 24.4% | |||
| 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) | 34.7% | 27.2% | 23.4% | 24.4% | |||
| Transparency Index | 58 | 74 | 85 | 82 | |||
| 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 |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
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| X Axis | ||||||
|---|---|---|---|---|---|---|
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| From 0 to | ||||||
| to | ||||||
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| to ∞ | ||||||
