2. Wasasa
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

Wasasa MFI AlemgenaOromiaP O Box 1192
Data approved: 2011-12-23
Data version: 1
Age of data: 162 months

Product

Employee Loan Product 1 of 4 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (ETB)ETB 9,088,023
Portfolio (USD)USD 493,914.29
Active Clients with Loans4,002
Approximate % Female Clients0% - 20%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
This loan is for low income employees in government and private organisations. Group size ranges from 5 to 25 individuals.
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
Consumer loanx
Agriculture
Educationx
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyETB
Minimum loan sizeETB 1,000
Maximum loan size10,000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term24.0 months
Approx average12.0 months
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 interest15.00%
Highest quoted nominal interest15.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Life Insurance
% 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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00% - 15.00%
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 paid5.00%
Maximum interest rate paid5.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No
Additional Comments
Compulsory savings include 10% for first cycle, and 15% for subsequent cycles.

Full Pricing Data

Employee Loan samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountETB 1,000ETB 2,500ETB 3,700ETB 5,000ETB 5,000ETB 5,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-06-102011-06-102011-06-302011-06-302011-06-302011-06-30
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 Component26.6%26.6%26.6%26.6%26.6%26.6%
Insurance Component2.0%1.6%2.0%2.0%2.0%2.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component5.0%3.8%5.0%5.0%5.0%5.0%
Full APR (int fee ins tax dep)33.5%31.9%33.6%33.6%33.6%33.6%
Transparency Index454745454545
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Employee Loan Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeEducationLoan PurposeWasasaInstitutionET-016-V01-P01ProductETCountry2011YearRange Number1Institution Data Version01,0002,0003,0004,0005,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 2,0001,5001,00050050Number 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. 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

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 Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.viator-az.com
Year established1998
Head of InstitutionAbraham Vencent Asgapo
Regions activeGanja-Qazakh, Shaki-Zaqatala
# Branches6

Total Portfolio (nat'l)AZN 15,994,615
Total Portfolio (USD)USD 20,505,916.67
Active clients with loans19,567
Approximate % female clients20% - 40%
Approximate % urban clients40% - 60%
Network affiliationsAMFA (Azerbaijan MicroFinance Assosiation), MIX Market, MFC (Microfinance Center)
FundersIncofin Investment Management, Grameen Credit Agricole Foundation, ConCap, Symbiotics

Loan Products » Summary

Agriculture
11,415 Borrowers
USD 11,090,106.41 Portfolio
Active Product
Micro
2,163 Borrowers
USD 2,008,711.54 Portfolio
Active Product
Small Enter.
74 Borrowers
USD 273,860.26 Portfolio
Active Product
Social
473 Borrowers
USD 535,276.92 Portfolio
Active Product
Agri-USD
272 Borrowers
USD 567,274 Portfolio
Active Product
Micro-USD
4,771 Borrowers
USD 4,967,337 Portfolio
Active Product
Small En-USD
187 Borrowers
USD 758,087 Portfolio
Active Product
S. Bus-USD
212 Borrowers
USD 268,252 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Loan AZN 300 - 6,000 3 - 18 20% - 40% 40% - 60% Agriculture Women, Men, Have business Business Training, Other Training
Micro-Business Loan AZN 300 - 3,000 3 - 18 20% - 40% 40% - 60% Business Women, Men, Have business Business Training, Other Training
Small Enterprise Loan AZN 3,000 - 8,000 3 - 18 20% - 40% 40% - 60% Business Women, Men, Have business Business Training, Other Training
Social Business Loan AZN 3,000 - 8,000 3 - 18 20% - 40% 40% - 60% Business Women, Men, Have business Business Training, Other Training
Agricultural Loan USD USD 400 - 8,000 3 - 18 20% - 40% 40% - 60% Agriculture Women, Men, Have business Business Training, Other Training
Micro-Business Loan USD USD 400 - 4,000 3 - 18 40% - 60% 40% - 60% Business Women, Men, Have business Business Training, Other Training
Small Enterprise Loan USD USD 4,000 - 10,000 3 - 18 20% - 40% 40% - 60% Business Women, Men, Have business Business Training, Other Training
Social Business Loan USD USD 4,000 - 10,000 3 - 18 20% - 40% 40% - 60% Business Women, Men, Have business Business Training, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Loan 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins None N/A 33.7% - 34.4% 35.3% - 36.4% 80
Micro-Business Loan 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins None N/A 34.5% - 34.6% 36.5% - 36.6% 79
Small Enterprise Loan 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins None N/A 0% 0% N/A
Social Business Loan 28.8% annual, Decl Bal 1 Fee 1 Ins None N/A 31.1% 32.5% 89
Agricultural Loan USD 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins None N/A 33.4% 34.9% 83
Micro-Business Loan USD 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins None N/A 33.5% - 34.7% 34.9% - 36.7% 80
Small Enterprise Loan USD 28.8%-34.8% annual, Decl Bal 1 Fee 1 Ins None N/A 32.6% 34% 85
Social Business Loan USD 28.8% annual, Decl Bal 1 Fee 1 Ins None N/A 31.1% 32.5% 89
Institution Price Graph
Microloan Products offered in AZN0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeAgricultureBusinessLoan PurposeViatorInstitutionAZ-012-V01-P01AZ-012-V01-P02AZ-012-V01-P04ProductAZCountry1899YearRange Number1Institution Data Version05001,0001,5002,0002,5003,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 1,10080050020030Number of Borrowers
Microloan Products offered in USD0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeAgricultureBusinessLoan PurposeViatorInstitutionAZ-012-V01-P05AZ-012-V01-P06AZ-012-V01-P07AZ-012-V01-P08ProductAZCountry1899YearRange Number1Institution Data Version01,0002,0003,0004,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 40020020Number of Borrowers
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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:
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