2. AMSSF
Please note that the information you are viewing is 139 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Association Marocaine Soladirite Sans Frontieres / Micro-Credit 1, Rue Abi, Dar El GhoufariQuartier Prince Heritier 1er EtageFès, Maroc30000
Data approved: 2013-04-25
Data version: 1
Age of data: 139 months

Product

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Product Details

Key Statistics
Outstanding portfolio (MAD)MAD 53,774,645
Portfolio (USD)USD 6,326,428.82
Active Clients with Loans10,593
Approximate % Female Clients60% - 80%
Approximate % Urban Clients60% - 80%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Produit octroyé à des groupes homogènes allant de 3 à 12 entrepreneurs, avec des montants entre 500 dhs et 15 000 dhs
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
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
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution5
# Regions for this product5
Regions ActiveTangier-Tétouan, East and the Rif, Fes-Meknes, Rabat-Sale-Kenitra, Beni Mellal-Khenifra

Loan Conditions

Loan Amount
CurrencyMAD
Minimum loan sizeMAD 500
Maximum loan size15,000
Distribution at Disbursement (Est.)
Loans less than MAD 5,00040%
MAD 5,000-15,00060%
MAD 15,000-25,0000
MAD 25,000-35,0000
MAD 35,000-45,0000
Greater than MAD 45,0000
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 months5%
Between 7 and 9 months5%
Between 10 and 12 months60%
Between 13 and 18 months30%
Longer than 18 months0
Grace Period
Grace period usage0
Average grace periodnon
Repayment Frequency
Daily
Weekly
Every 2 weeksx
Every 4 weeksx
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest1.60%
Highest quoted nominal interest2.00%
Reason(s) why interest rate variesLoan Size, Client Risk, N/A
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionFrais Dossier
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min20
Fixed amount - max150
Reason for variationMAD 20 for loans < MAD 2000 and 1% of loan amount for loans > MAD 2000
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
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

Full Pricing Data

Produit Solidaire samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountMAD 1,000MAD 2,500MAD 5,000MAD 9,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-03-042013-04-262013-03-262013-04-17
Loan Term (Months)7.0 months9.0 months9.0 months11.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditMAD 180MAD 530MAD 1,070MAD 1,835
True Price by Comp       
Interest price component43.8%47.2%47.4%38.2%
Fee Component5.1%2.2%2.2%1.8%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)48.9%49.4%49.6%40.0%
Transparency Index39393948
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Produit Solidaire Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessLoan PurposeAMSSFInstitutionMA-005-V01-P01ProductMACountry2013YearRange Number1Institution Data Version02,0004,0006,0008,000Loan Size (all)0%20%40%Full APR (int fee ins tax dep)> 6,3004,7003,1001,500100Number of Borrowers
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  2. AccessBank
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

AccessBank Closed Joint-Stock Company B. Seferoglu Street, 176BakuAZ1000
Data approved: 2012-04-24
Data version: 2
Age of data: 181 months
Choose version

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.accessbank.az/
Year established2002
Head of InstitutionAndrew Pospielovsky
Regions active
# Branches29

Total Portfolio (nat'l)AZN 354,789,718
Total Portfolio (USD)USD 454,858,612.80
Active clients with loans115,542
Approximate % female clients20% - 40%
Approximate % urban clients60% - 80%
Network affiliations
Funders

Loan Products » Summary

Micro AZN
37,237 Borrowers
USD 77,870,305.13 Portfolio
Active Product
Micro USD
15,218 Borrowers
USD 63,431,577 Portfolio
Active Product
Agri AZN
27,921 Borrowers
USD 48,470,397.44 Portfolio
Active Product
Agri USD
2,102 Borrowers
USD 9,451,727 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Micro standard loan (manat) AZN 100 - 16,000 1 - 36 20% - 40% 60% - 80% Business Women, Men, Have business, Combined collateral, Regular stable income
Micro standard loan (USD) USD 100 - 20,000 1 - 36 20% - 40% 60% - 80% Business Women, Men, Have business, Combined collateral, Regular stable income
Micro Agricultural loan (manat) AZN 100 - 16,000 1 - 36 0% - 20% 0% - 20% Business Women, Men, Have business, Borrowers receiving income from agricultural business
Micro agricultural loan (USD) USD 100 - 20,000 1 - 36 0% - 20% 0% - 20% Business Women, Men, Have business, Borrowers receiving income from agricultural business

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro standard loan (manat) 27.0%-36.0% annual, Decl Bal 0 Fees 0 Ins None N/A 35.2% - 37.2% 35.2% - 37.2% 74
Micro standard loan (USD) 27.0%-33.0% annual, Decl Bal 1 Fee 0 Ins None N/A 33.5% 33.5% 81
Micro Agricultural loan (manat) 27.0%-36.0% annual, Decl Bal 1 Fee 0 Ins None 10.0% upfront 35.2% - 37.2% 40.5% - 44.3% 63
Micro agricultural loan (USD) 27.0%-33.0% annual, Decl Bal 1 Fee 0 Ins None 10.0% upfront 35.5% - 37.5% 40.9% - 44.6% 63
Institution Price Graph
Microloan Products offered in AZN0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.BankInstitution TypeBusinessLoan PurposeAccessBankInstitutionAZ-001-V02-P01AZ-001-V02-P03ProductAZCountry2012YearRange Number2Institution Data Version02,0004,0006,0008,00010,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 7,4005,5003,7001,800200Number 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.
Microloan Products offered in USD0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.BankInstitution TypeBusinessLoan PurposeAccessBankInstitutionAZ-001-V02-P02AZ-001-V02-P04ProductAZCountry2012YearRange Number2Institution Data Version02,0004,0006,0008,00010,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 3,0002,2001,50070080Number 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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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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