| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.sksindia.com/ |
| Year established | 1997 |
| Head of Institution | MR. Rao |
| Regions active | Andhra Pradesh, Bihar, Chhattisgarh, Gujarat, HaryanaJharkhand, Karnataka, Kerala, Madhya Pradesh, Maharashtra, OrissaPunjab, Rajasthan, Tamil Nadu, Uttar Pradesh, Uttarakhand, West Bengal |
| # Branches | 1238 |
| Total Portfolio (nat'l) | INR 18,872,236,695 |
| Total Portfolio (USD) | USD 356,079,937.60 |
| Active clients with loans | 4,172,370 |
| Approximate % female clients | 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations |
| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.demirbank.az |
| Year established | 1989 |
| Head of Institution | Mr. Roman Amirjanov |
| Regions active | Absheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Orta Kur, Daglig-Shirvan |
| # Branches | 33 |
| Total Portfolio (nat'l) | AZN 312,868,936 |
| Total Portfolio (USD) | USD 401,114,020.50 |
| Active clients with loans | 101,940 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | AzerCbaijan Banks Assosiation, AMFA, Mix Market |
| Funders | EBRD, GAF, BSTDP, FMO |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | INR 2,000 - 14,000 | 11.5 | 100% | 20% - 40% | Business | Women, Low HH Inc, Med HH Inc, Rural HH, Urban HH | Group Mtgs, Credit Ins, Other Training, Building Leadership and Promoting Members Cooperation. | |||||||
| Mid Term Loan | INR 2,000 - 14,000 | 11.5 | 100% | 20% - 40% | Business | Women, Low HH Inc, Med HH Inc, Rural HH, Urban HH | Group Mtgs, Credit Ins, Other Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Loan | AZN 500 - 10,000 | 3 - 36 | 20% - 40% | 40% - 60% | Any Purpose | Women, Men, Have business, Salaried worker | Credit Ins | |||||||
| Employee loan | AZN 300 - 6,000 | 3 - 36 | 20% - 40% | 40% - 60% | Any Purpose | Women, Men, Salaried worker | Credit Ins |
| Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | 24.6% | 26.4% | 27.8% | Yes | Yes | Yes | 100 | |||||||
| Mid Term Loan | 24.6% | 26.4% | 27.8% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | 24.6% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 26.4% | 27.8% | 88 | ||||||||
| Mid Term Loan | 24.6% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 26.4% | 27.8% | 88 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Loan | 28.0%-34.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 29% - 37% | 30.5% - 43.6% | 68 | ||||||||
| Employee loan | 28.0%-34.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 33% - 36.1% | 34.8% - 42.7% | 75 |
| Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | 24.6% | 26.4% | 27.8% | Yes | Yes | Yes | 100 | |||||||
| Mid Term Loan | 24.6% | 26.4% | 27.8% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Generating Loan | 24.6% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 26.4% | 27.8% | 88 | ||||||||
| Mid Term Loan | 24.6% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 26.4% | 27.8% | 88 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Loan | 28.0%-34.0% annual, Decl Bal | 2 Fees | 1 Ins Ins | None | N/A | 29% - 37% | 30.5% - 43.6% | 68 | ||||||||
| Employee loan | 28.0%-34.0% annual, Decl Bal | 2 Fees | 1 Ins Ins | None | N/A | 33% - 36.1% | 34.8% - 42.7% | 75 |
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