2. Fassil FFP
Please note that the information you are viewing is 134 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Parabank
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

Fondo Financiero Privado Fassil S.A. Av. Cristo Redentor esquina Calle Gustavo Parada, entre 2do. y 3er AnilloSanta Cruz de la Sierra, Bolivia3136
Data approved: 2013-08-23
Data version: 2
Age of data: 134 months
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Institution

Parabank 60 Samed Vurgun strBaku, BakuAZ1022
Data approved: 2012-04-18
Data version: 2
Age of data: 181 months
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Product

Libre Disponibilidad (Microempresas y Pyme) Product 7 of 8 « Prev | Next »

Product

Consumer Loans Product 1 of 3 « Prev | Next »

Product Summary

Number borrowers2,358
Loan Amount (range)BOB 7,000 - 9,671,865
Loan Term (range)3 - 48
Other Services (text summary)Credit Ins, Ahorro
Annual Interest & Method18.0%-32.0% annual, Decl Bal
FeesNone
Insurance0.30%-4.80% ongoing
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component13.1% - 32.0%
Fee Component0 - 1.1%
Insurance Component0 - 1.4%
Tax Component Range0
Full APR (int fee ins tax dep)23.3% - 33.2%
Transparency Index (min/max)44 - 91
Transparency Index (average)67

Product Summary

6,236
AZN 1,000 - 20,000
3 - 24
Credit Educ, Credit Ins
24.0%-36.0% annual, Decl Bal
2.00%-8.00% upfront
None
None
N/A
 
N/A
27.8% - 38.1% (Int+Fee)
0
0
27.8% - 38.1%
0 - N/A
77

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 62,256,948.20
Portfolio (USD)USD 9,223,251.59
Active Clients with Loans2,358
Approximate % Female Clients40% - 60%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Adquisición de bienes de consumo o pago de servicios. Fondos de libre disponibilidad.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
OtherAhorro
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or landx
Must be a salaried workerx
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 ActiveChuquisaca , Cochabamba , La Paz , Santa Cruz, Tarija

Product Details

Key Statistics
Outstanding portfolio (AZN)AZN 10,662,352
Portfolio (USD)USD 13,669,682.05
Active Clients with Loans6,236
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Loans for consumer needs
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or landx
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution8
# Regions for this product8
Regions ActiveAbsheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Orta Kur, Daglig-ShirvanKur

Loan Conditions

Loan Amount
CurrencyBOB
Minimum loan sizeBOB 7,000
Maximum loan size9,671,865
Distribution at Disbursement (Est.)
Loans less than BOB 10,00020%
BOB 10,000-40,00050%
BOB 40,000-70,00020%
BOB 70,000-100,00010%
BOB 100,000-125,0000
Greater than BOB 125,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term48.0 months
Approx average27.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months5%
Between 13 and 18 months5%
Longer than 18 months90%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 monthsx
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyAZN
Minimum loan sizeAZN 1,000
Maximum loan size20,000
Distribution at Disbursement (Est.)
Loans less than AZN 1,00030%
AZN 1,000-5,0000
AZN 5,000-8,0005%
AZN 8,000-11,0005%
AZN 11,000-14,0005%
Greater than AZN 14,0005%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months10%
Between 10 and 12 months10%
Between 13 and 18 months60%
Longer than 18 months30%
Grace Period
Grace period usage0
Average grace period0
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 interest18.00%
Highest quoted nominal interest32.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Collateral
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termNo
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de Desgravamen
% of loan amount - min0.30%
% of loan amount - max4.80%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationComisión de 0.1% mensual que aplica sólo al saldo del principal del préstamo pendiente.
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

Pricing Information

Interest
Lowest quoted nominal interest2.00%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesTime as Client, Loan Size
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCash withdrawal fee
% of loan amount - min2.00%
% of loan amount - max8.00%
OR, Fixed amount - min0
Fixed amount - max0
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 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

Libre Disponibilidad (Microempresas y Pyme) samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountBOB 10,000BOB 25,000BOB 40,000BOB 70,000BOB 100,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2014-03-072014-03-072014-03-072014-03-072014-03-07
Loan Term (Months)12.0 months18.0 months26.0 months35.0 months42.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditBOB 1,334.60BOB 6,079.15BOB 16,877.27BOB 26,505.59BOB 57,608.61
True Price by Comp         
Interest price component22.1%27.1%32.0%22.1%27.1%
Fee Component0.0%0.0%0.0%0.0%0.0%
Insurance Component1.4%1.3%1.2%1.2%1.2%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)23.5%28.4%33.2%23.3%28.3%
Transparency Index7763547764
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF

Full Pricing Data

Consumer Loans samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountAZN 1,500AZN 3,043AZN 6,300AZN 9,500AZN 12,500
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-07-072011-05-262011-08-222011-08-082011-05-23
Loan Term (Months)12.0 months24.0 months24.0 months24.0 months18.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component34.3%38.1%27.8%28.1%28.7%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)34.3%38.1%27.8%28.1%28.7%
Transparency Index7063868584
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Libre Disponibilidad (Microempresas y Pyme) Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeAnyLoan PurposeFassil FFPInstitutionBO-016-V02-P07ProductBOCountry2013YearRange Number2Institution Data Version020,00040,00060,00080,000100,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 20010010Number of Borrowers
Click to view Price Analysis Tool
Consumer Loans Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.BankInstitution TypeAnyLoan PurposeParabankInstitutionAZ-008-V02-P01ProductAZCountry2012YearRange Number2Institution Data Version02,0004,0006,0008,00010,00012,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 1,20090060030030Number 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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