2. Equity Bank
Please note that the information you are viewing is 146 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  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

Equity Bank Ragati Road, NHIF Building, 14th floorNairobiP.O. Box 75104-00200
Data approved: 2010-09-09
Data version: 1
Age of data: -   months 
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Institution

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

Product

Farm Input Loan Product 8 of 10 « Prev | Next »

Product

Small Enterprise Loan Product 3 of 8 « Prev | Next »

Product Summary

Number borrowers32,201
Loan Amount (range)KES 1,000 - 100,000
Loan Term (range)1 - 12
Other Services (text summary)Credit Ins
Annual Interest & Method15.0% annual, Flat
Fees2.00%-5.00% upfront
Insurance28.00% upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component
Fee Component
Insurance Component
Tax Component Range
Full APR (int fee ins tax dep)0
Transparency Index (min/max)
Transparency Index (average)N/A

Product Summary

74
AZN 3,000 - 8,000
3 - 18
Business Training, Other Training
28.8%-34.8% annual, Decl Bal
2.00%-3.00% upfront
1.00% upfront
None
N/A
 
28.3% - 30.8%
2.7% - 3.9%
1.4% - 2.0%
0
0
78 - 89
N/A

Product Details

Key Statistics
Outstanding portfolio (KES)KES 780,944,220
Portfolio (USD)USD 9,431,693.48
Active Clients with Loans32,201
Approximate % Female Clients40% - 60%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
?ǪKilimo Kwa Maendeleo. This is a short-term lending to farmers to assist them in meeting various needs including farm machinery, tools and any other farm or social development needs. Repayments can be negotiated to match the seasonality of proceeds
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherPurchase of farm inputs
Other (2)
Included Services
Credit education
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 land
Must be a salaried worker
Must be specific age group
OtherMust be in small scale or commercial farming
Other (2)Active Equity Bank account where agricultural proceeds are remitted
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (AZN)AZN 213,611
Portfolio (USD)USD 273,860.26
Active Clients with Loans74
Approximate % Female Clients20% - 40%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Small entrepreneurs who are engage into small business regardsless of classification either trade, service or manufacturing.
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

Loan Conditions

Loan Amount
CurrencyKES
Minimum loan sizeKES 1,000
Maximum loan size100,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term12.0 months
Approx average6.0 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 paymentx
Irregular payments

Loan Conditions

Loan Amount
CurrencyAZN
Minimum loan sizeAZN 3,000
Maximum loan size8,000
Distribution at Disbursement (Est.)
Loans less than AZN 1,0000
AZN 1,000-5,00080%
AZN 5,000-8,00020%
AZN 8,000-11,0000
AZN 11,000-14,0000
Greater than AZN 14,0000
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 months15%
Between 10 and 12 months60%
Between 13 and 18 months20%
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

Pricing Information

Interest
Lowest quoted nominal interest1.25%
Highest quoted nominal interest1.25%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLACE (Loan Application & Credit Evaluation) Fee
% of loan amount - min2.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionInsurance Fee (per annum)
% of loan amount - min28.00%
% of loan amount - max28.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
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
The product is availabe to farmers to enable them meet their short term farming requirements.

Pricing Information

Interest
Lowest quoted nominal interest2.40%
Highest quoted nominal interest2.90%
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
Viator provides Small Enterprise Loan soft (AZN) with interest rate 2.4% for clients who are already in the 10th cycle and for clients who have finished 2 business courses training of the FINLED (Financial Literacy and Education) program provided by Viator HRDP Department. For those clients who avail loan less than 2,000 AZN Viator shoulders the Credit Bureau Fee of 1 AZN.

Full Pricing Data

Farm Input Loan samples
No sample data for this product

Full Pricing Data

Small Enterprise Loan samples
No sample data for this product
Farm Input Loan Price Graphs
No sample data for this product
Small Enterprise Loan Price Graphs
No sample data for this product
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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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