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
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Product

Micro Agricultural loan (manat) Product 3 of 4 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (AZN)AZN 37,806,910
Portfolio (USD)USD 48,470,397.44
Active Clients with Loans27,921
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Target group: borrowers engaged in agriculture. Grace periods are available as well as flexible repayment schedules. A wide range of collateral (should be combined). Loans can be disbursed both in local and foreign currency.
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
OtherBorrowers receiving income from agricultural business
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
CurrencyAZN
Minimum loan sizeAZN 100
Maximum loan size16,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term36.0 months
Approx average14.0 months
Grace Period
Grace period usage30%
Average grace period3.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeksx
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 interest2.25%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Collateral, credit history
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionDisbursement fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min5
Fixed amount - max160
Reason for variationN/A
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 deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid10.00%
Maximum interest rate paid10.00%
Interest payment frequencyEnd Term
Taxes
Are taxes charged on this product?No
Additional Comments
Compulsory savings are equal to 1 installment amount

Full Pricing Data

Micro Agricultural loan (manat) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountAZN 300AZN 800AZN 1,500AZN 3,000AZN 6,000AZN 10,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-08-102011-08-102011-08-102011-08-102011-08-102011-08-10
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months12.0 months12.0 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 Component36.2%36.2%37.2%36.2%35.2%35.2%
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 Component8.1%8.1%5.8%8.1%5.3%5.3%
Full APR (int fee ins tax dep)44.3%44.3%43.0%44.3%40.5%40.5%
Transparency Index616163616767
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Micro Agricultural loan (manat) Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.BankInstitution TypeBusinessLoan PurposeAccessBankInstitutionAZ-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)> 5,5004,1002,7001,300100Number 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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  2. MWIMPC
Please note that the information you are viewing is 162 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Maranding Women Investors Multipurpose Cooperative 2nd Floor, Fabian Flores Cultural CenterMarandingLala, Lanao del Norte/Region X9211
Data approved: 2011-12-07
Data version: 1
Age of data: 162 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?No
Website addressN/A
Year established1996
Head of InstitutionMARILOU BANDING
Regions active
# Branches10

Total Portfolio (nat'l)PhP 79,034,409.97
Total Portfolio (USD)USD 1,890,775.36
Active clients with loans12,093
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsLZMCN, Philippine Federation of Credit Coopertives, Philippine Federation of Women In Coopertaives, COOP LIFE Assurance Society of the Philippines
FundersOikocredit, Seedfinance, Landbank of the Philippines (LBP), NLDC

Loan Products » Summary

Individual
5,000 Borrowers
USD 972,776.16 Portfolio
Active Product
KAPA
104 Borrowers
USD 12,775.12 Portfolio
Active Product
Life Protect
2,400 Borrowers
USD 44,569.38 Portfolio
Active Product
Trinity
4,364 Borrowers
USD 710,271.15 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Individual Loan PHP 5,000 - 300,000 6 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Salaried worker, Specific age group, 18-69 y.o., CI/BI Credit Educ, Credit Ins, Tech Asst Visits, Business Training
KAPA Loan PHP 10,000 - 40,000 3 - 6 80% - 100% 0% - 20% Agriculture Women, Men, Have business, Have home or land, Specific age group, 18-69 y.o., CI/BI Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Life Protection Loan PHP 1,380 - 1,380 4 - 8 80% - 100% 0% - 20% Life Insurance Women, Men, Specific age group, 18-64 y.o, CI/BI Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Trinity Loan PHP 6,200 - 12,400 2 - 12 80% - 100% 0% - 20% Business Women, Men, Have business, Have home or land, Specific age group, 18-69 y.o. , CI/BI Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Individual Loan 36.0% annual, Flat 2 Fees 1 Ins None 20.0% upfront 80.00 ongoing 41% - 69.2% 40.8% - 121.3% 47
KAPA Loan 36.0% annual, Flat 2 Fees 1 Ins None 5.0% upfront 90.00 ongoing 37% - 53.6% 45.5% - 69% 63
Life Protection Loan 18.0% annual, Flat 2 Fees 0 Ins None 100.00 upfront 34.1% 45.2% 40
Trinity Loan 21.0%-60.0% annual, Flat 2 Fees 1 Ins None 20.0% upfront 80.00 ongoing 49.7% 104.4% 20
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.CoopInstitution TypeAgricultureBusinessOtherLoan PurposeMWIMPCInstitutionPH-030-V01-P01PH-030-V01-P02PH-030-V01-P03PH-030-V01-P04ProductPHCountry2011YearRange Number1Institution Data Version020,00040,00060,00080,000100,000Loan Size (all)0%50%100%Full APR (int fee ins tax dep)> 2,1001,6001,00050060Number 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
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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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