2. Viator
Please note that the information you are viewing is 124 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Interactuar
Please note that the information you are viewing is 171 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Viator Microcredit Azerbaijan LLC N.Narimanov str., 207, Ganja, AzerbaijanGanjaAZ2000
Data approved: 1900-01-00
Data version: 1
Age of data: 124 months

Institution

Interactuar Cra 45 # 26-175 Bello AntioquiaCra 49 # 44-94 Medellín AntioquiaMedellín, Antioquia
Data approved: 2011-08-01
Data version: 1
Age of data: 171 months

Product

Social Business Loan USD Product 8 of 8 « Prev | Next »

Product

Créditos superiores Product 3 of 4 « Prev | Next »

Product Summary

Number borrowers212
Loan Amount (range)USD 4,000 - 10,000
Loan Term (range)3 - 18
Other Services (text summary)Business Training, Other Training
Annual Interest & Method28.8% annual, Decl Bal
Fees2.00%-3.00% upfront
Insurance1.00% upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component28.3% - 30.8%
Fee Component2.7% - 3.9%
Insurance Component1.4% - 2.0%
Tax Component Range0
Full APR (int fee ins tax dep)32.5%
Transparency Index (min/max)78 - 89
Transparency Index (average)89

Product Summary

862
COP 12,800,001 - 40,000,000
4 - 48
29.0%-31.6% annual, Decl Bal
50,000.00 upfront 2,300.00 ongoing
30.00% upfront 1.00% ongoing
None
N/A
 
N/A
30.9% - 32.5% (Int+Fee)
0.5% - 2.5%
0
32.8% - 34.7%
70 - 92
86

Product Details

Key Statistics
Outstanding portfolio (USD)USD 268,252
Portfolio (USD)USD 268,252
Active Clients with Loans212
Approximate % Female Clients20% - 40%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Micro and Small entrepreneurs who are engaged into small buness regardless of classification either trade, service or manufacturing specially design product exclusively for IDPs, refugees and veterans.
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 trainingx
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 institution2
# Regions for this product2
Regions ActiveGanja-Qazakh, Shaki-Zaqatala

Product Details

Key Statistics
Outstanding portfolio (COP)COP 15,699,895,598
Portfolio (USD)USD 8,626,316.26
Active Clients with Loans862
Approximate % Female Clients60% - 80%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Crédito productivo para capital de trabajo o activos fijos para empresas que en su consolidado de endeudamiento con la banca supere los $ 60 millones de pesos en moneda local
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 landx
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 4,000
Maximum loan size10,000
Distribution at Disbursement (Est.)
Loans less than USD 1,5000
USD 1,500-5,00070%
USD 5,000-10,00030%
USD 10,000-15,0000
USD 15,000-18,0000
Greater than USD 18,0000
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 months15%
Between 7 and 9 months20%
Between 10 and 12 months50%
Between 13 and 18 months15%
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period4.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyCOP
Minimum loan sizeCOP 12,800,001
Maximum loan size40,000,000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term48.0 months
Approx average33.0 months
Grace Period
Grace period usage10%
Average grace period6.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
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 interest2.40%
Highest quoted nominal interest2.40%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCommission Fee
% of loan amount - min2.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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
Additional Comments
Vator provides this type of loan also for the clients who have finished 2 business courses training of the FINLED (Financila Literacy and Education) program provided by Viator HRDP Department. For those clients who avail loan less than 2,000 USD Viator soulders the Credit Bureau fee of 1 AZN.

Pricing Information

Interest
Lowest quoted nominal interest2.42%
Highest quoted nominal interest2.63%
Reason(s) why interest rate variesDTF
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionEstudio de Credito
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min50,000
Fixed amount - max50,000
Reason for variation
Appears on Repayment Sched?Yes
Ongoing Fees
Fee 1
DescriptionCosto del recaudo
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min2,300
Fixed amount - max2,300
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
Ins 1
DescriptionSEGURO DE VIDA
% of loan amount - min30.00%
% of loan amount - max30.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
Ins 1
DescriptionSEGURO PATRIMONIAL AIG
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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

Social Business Loan USD samples
Sample 1
Loan AmountUSD 2,600
Loan Cycle (1, 2, 3, etc)Not Known
Disbursement Date2014-05-15
Loan Term (Months)18.0 months
Grace Period (Months)0.1 months
Total Cost of CreditUSD 710.55
True Price by Comp 
Interest price component28.4%
Fee Component2.7%
Insurance Component1.4%
Tax Component0
Deposit Component0
Full APR (int fee ins tax dep)32.5%
Transparency Index89
  
Original Repayment SchedulePDF
MFT Pricing CalculationPDF

Full Pricing Data

Créditos superiores samples
Sample 1Sample 2
Loan AmountCOP 15,000,000COP 30,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot Known
Disbursement Date2011-05-022011-04-28
Loan Term (Months)36.0 months36.0 months
Grace Period (Months)0.0 months0.0 months
Total Cost of CreditNot KnownNot Known
True Price by Comp   
Interest and Fee Component30.9%32.5%
Insurance Component2.0%2.1%
Tax Component0.0%0.0%
Deposit Component0.0%0.0%
Full APR (int fee ins tax dep)32.8%34.7%
Transparency Index8884
    
Original Repayment SchedulePDFPDF
MFT Pricing CalculationPDFPDF
Social Business Loan USD Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessLoan PurposeViatorInstitutionAZ-012-V01-P08ProductAZCountry1899YearRange Number1Institution Data Version05001,0001,5002,0002,500Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 20101Number of Borrowers
Click to view Price Analysis Tool
Créditos superiores Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeInteractuarInstitutionCO-026-V01-P03ProductCOCountry2011YearRange Number1Institution Data Version05,000,00010,000,00015,000,00020,000,00025,000,00030,000,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 20010010Number 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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