2. FINCA
Please note that the information you are viewing is 114 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. ANED
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

FINCA J. Jabbarli str. 44Baku, AzerbaijanAZ 1065
Data approved: 2014-10-10
Data version: 3
Age of data: 114 months
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Institution

Asociación Nacional Ecuménica de Desarrollo Calle Rosendo Gutierrez pasaje Finot #679La Paz
Data approved: 2010-10-28
Data version: 1
Age of data: -   months 
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Product

Agriculture loan (AZN) Product 10 of 12 « Prev | Next »

Product

Credito Individual - BOB Product 2 of 3 « Prev | Next »

Product Summary

Number borrowers1,728
Loan Amount (range)AZN 1,000 - 16,000
Loan Term (range)3 - 24
Other Services (text summary)
Annual Interest & Method34.0%-38.0% annual, Decl Bal
Fees2.50% upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component21.8% - 38.4%
Fee Component1.5% - 7.1%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)36.3% - 41.0%
Transparency Index (min/max)57 - 94
Transparency Index (average)85

Product Summary

1,732
BOB 500 - 35,000
6 - 30
Credit Ins
12.0%-30.0% annual, Decl Bal
4.00% upfront 4.00% ongoing
None
None
N/A
 
N/A
28.8% - 41.0% (Int+Fee)
0
0
28.8% - 41.0%
29 - 96
35

Product Details

Key Statistics
Outstanding portfolio (AZN)AZN 3,887,585
Portfolio (USD)USD 4,984,083.33
Active Clients with Loans1,728
Approximate % Female Clients0% - 20%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Purchase/Establishment of Agricultural Assets -- equipment, livestock, storage facilities, other tools/machinery. Land Imrovement and seasonal agricultural needs.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
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
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-Shirvan, Nakhichevan

Product Details

Key Statistics
Outstanding portfolio (BOB)BOB 12,510,434
Portfolio (USD)USD 1,826,340.73
Active Clients with Loans1,732
Approximate % Female Clients0% - 20%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Crédito otorgado a personas naturales donde se considera como unidad económica a la familia (el análisis y evaluación de la capacidad de pago se establece sobre la base de ingresos y gastos familiares)
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculture
Education
Other household finance
OtherCapital de Operación - Inversión
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
OtherPara las Unidades Fami-Empresarial
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 1,000
Maximum loan size16,000
Distribution at Disbursement (Est.)
Loans less than AZN 1,00015%
AZN 1,000-5,00080%
AZN 5,000-8,0005%
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 term24.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months30%
Between 13 and 18 months30%
Longer than 18 months40%
Grace Period
Grace period usage10%
Average grace period9.0 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
CurrencyBOB
Minimum loan sizeBOB 500
Maximum loan size35,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term30.0 months
Approx averagedk
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest34.00%
Highest quoted nominal interest38.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodYearly
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 - min2.50%
% of loan amount - max2.50%
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

Pricing Information

Interest
Lowest quoted nominal interest12.00%
Highest quoted nominal interest30.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Loan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionSeguro de Desgravamen
% of loan amount - min4.00%
% of loan amount - max4.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?Yes
Ongoing Fees
Fee 1
DescriptionSeguro de Desgravamen
% of loan amount - min4.00%
% of loan amount - max4.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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
Additional Comments
Fee charged on monthly outstanding loan balance

Full Pricing Data

Agriculture loan (AZN) samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
AZN 850 Generated 2014-11-01 12.0 months N/A AZN 195.32 40.5% 35.5% 5.0% 0.0% 0.0% 0.0% 84 - PDF
AZN 1,000 Generated 2014-11-01 12.0 months N/A AZN 232.77 41.0% 36.0% 5.0% 0.0% 0.0% 0.0% 83 - PDF
AZN 1,500 Generated 2014-11-01 12.0 months N/A AZN 349.16 41.0% 36.0% 5.0% 0.0% 0.0% 0.0% 83 - PDF
AZN 2,000 Generated 2014-11-01 12.0 months N/A AZN 464.35 40.9% 35.9% 5.0% 0.0% 0.0% 0.0% 83 - PDF
AZN 2,400 Generated 2014-11-01 18.0 months N/A AZN 821.33 40.0% 36.5% 3.5% 0.0% 0.0% 0.0% 85 - PDF
AZN 2,760 Generated 2014-11-01 24.0 months N/A AZN 1,148.58 36.3% 33.5% 2.8% 0.0% 0.0% 0.0% 94 - PDF

Full Pricing Data

Credito Individual - BOB samples
Sample 1Sample 2Sample 3
Loan AmountBOB 3,000BOB 7,000BOB 14,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2010-05-112010-05-122010-05-09
Loan Term (Months)6.0 months10.0 months18.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component41.0%32.9%28.8%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)41.0%32.9%28.8%
Transparency Index293642
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Agriculture loan (AZN) Price Graphs


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Credito Individual - BOB Price Graphs


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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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X Axis
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Total Borrrowers of Samples
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Total Borrowers of Samples

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