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. AMF
Please note that the information you are viewing is 128 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
Choose version
  • No previous version for this product.

Institution

Attawfiq MF 3, rue Docteur VeyreRĂ©sidence PatioCasablanca, 20070
Data approved: 2013-09-12
Data version: 1
Age of data: 128 months

Product

Individual Rural Loan (AZN) Product 12 of 12 « Prev | Next »

Product

Attaahil Product 3 of 10 « Prev | Next »

Product Summary

Number borrowers61,742
Loan Amount (range)AZN 100 - 8,000
Loan Term (range)3 - 36
Other Services (text summary)
Annual Interest & Method24.5%-40.0% annual, Decl Bal
Fees2.00%-3.00% 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)27.9% - 43.0%
Transparency Index (min/max)57 - 94
Transparency Index (average)70

Product Summary

773
MAD 40,500 - 50,000
6 - 48
Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
18.0% annual, Decl Bal
125.00 upfront 1.50% upfront
None
None
N/A
 
10.3% - 31.5%
0.7% - 15.2%
0
0
19.3% - 23.4%
62 - 107
86

Product Details

Key Statistics
Outstanding portfolio (AZN)AZN 58,950,239
Portfolio (USD)USD 75,577,229.49
Active Clients with Loans61,742
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Rural producers engaged in crop planting, animal husbandry, market gardening, dairy production, other processing activities, households and trade of rural products.
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 (MAD)MAD 23,108,000
Portfolio (USD)USD 2,718,588.24
Active Clients with Loans773
Approximate % Female Clients0% - 20%
Approximate % Urban Clients80% - 100%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
ATTAAHIL reprĂ©sente l ‘étape ultime du programme des crĂ©dits solidaires de la FBPMC. Il coĂ¯ncide avec la dernière dĂ©marche dans les crĂ©dits Ă©volutifs de la FBPMC.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherFinancement du fonds de roulement et d'investissement
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
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 institution12
# Regions for this product12
Regions ActiveTangier-TĂ©touan, East and the Rif, Fes-Meknes, Rabat-Sale-Kenitra, Beni Mellal-Khenifra, Settat-Casablanca, Marrakesh-Safi, DrĂ¢a-Tafilalt, Souss-Massa, Guelmim-Oued NounEl Aiun-Saguia al Hamra, Dakhla-Oued Addahab

Loan Conditions

Loan Amount
CurrencyAZN
Minimum loan sizeAZN 100
Maximum loan size8,000
Distribution at Disbursement (Est.)
Loans less than AZN 1,00040%
AZN 1,000-5,00060%
AZN 5,000-8,0000
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 term36.0 months
Approx average14.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months60%
Between 13 and 18 months40%
Longer than 18 months0
Grace Period
Grace period usage10%
Average grace period3.0 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
CurrencyMAD
Minimum loan sizeMAD 40,500
Maximum loan size50,000
Distribution at Disbursement (Est.)
Loans less than MAD 5,0000
MAD 5,000-15,0000
MAD 15,000-25,0000
MAD 25,000-35,0000
MAD 35,000-45,00010%
Greater than MAD 45,00010%
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term48.0 months
Approx average34.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months50%
Between 7 and 9 months30%
Between 10 and 12 months10%
Between 13 and 18 months5%
Longer than 18 months5%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeksx
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest24.50%
Highest quoted nominal interest40.00%
Reason(s) why interest rate variesBranch, Loan 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 - min2.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationThe variation is due to loan term. 2% on the term upto 12 months and 3% on higher than 12 months
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 interest1.50%
Highest quoted nominal interest1.50%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionFrais de dossierCommission d'accompagnement solidaire (CAS)
% of loan amount - min01.50%
% of loan amount - max01.50%
OR, Fixed amount - min1250
Fixed amount - max1250
Reason for variationN/AN/A
Appears on Repayment Sched?YesYes
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
Additional Comments
Le client doit avoir bĂ©nĂ©ficiĂ© du prĂªt AL MOUWAKABA, avoir une historique de crĂ©dit solide et disposer dÂ’un compte dans une agence Banque Polulaire.

Full Pricing Data

Individual Rural 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 10,000 Real 2014-10-01 24.4 months N/A AZN 3,897 34.3% 31.0% 3.3% 0.0% 0.0% 0.0% 71 PDF PDF
AZN 10,000 Generated 2014-10-01 24.3 months 0.0 months AZN 3,814.64 33.9% 30.6% 3.3% 0.0% 0.0% 0.0% 72 - PDF
AZN 5,000 Real 2014-06-06 12.2 months N/A AZN 1,225 43.0% 37.0% 6.0% 0.0% 0.0% 0.0% 86 PDF PDF
AZN 5,000 Generated 2014-10-01 12.1 months 0.0 months AZN 1,142.69 40.5% 36.5% 4.0% 0.0% 0.0% 0.0% 61 - PDF
AZN 100 Generated 2014-10-01 12.1 months 0.0 months AZN 19.91 35.6% 31.6% 4.0% 0.0% 0.0% 0.0% 69 - PDF
AZN 115 Generated 2014-10-01 24.3 months 0.0 months AZN 49.88 37.7% 35.5% 2.2% 0.0% 0.0% 0.0% 65 - PDF
AZN 720 Generated 2014-10-01 12.1 months 0.0 months AZN 139.15 34.6% 30.6% 4.0% 0.0% 0.0% 0.0% 71 - PDF
AZN 960 Generated 2014-10-01 12.1 months 0.0 months AZN 225.09 41.5% 37.4% 4.1% 0.0% 0.0% 0.0% 59 - PDF
AZN 2,400 Generated 2014-10-01 12.1 months 0.0 months AZN 577 42.4% 38.4% 4.0% 0.0% 0.0% 0.0% 58 - PDF
AZN 2,760 Generated 2014-10-01 24.3 months 0.0 months AZN 857.46 27.9% 25.7% 2.2% 0.0% 0.0% 0.0% 88 - PDF

Full Pricing Data

Attaahil samples
Sample 2Sample 3Sample 4
Loan AmountMAD 40,000MAD 50,000MAD 50,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-04-162013-04-112013-06-06
Loan Term (Months)28.0 months45.0 months34.0 months
Grace Period (Months)0.4 months0.4 months0.4 months
Total Cost of CreditMAD 12,150MAD 20,090MAD 15,051
True Price by Comp     
Interest price component21.7%18.2%18.2%
Fee Component1.7%1.1%1.4%
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)23.4%19.3%19.6%
Transparency Index779392
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Individual Rural Loan (AZN) Price Graphs


Click to view Price Analysis Tool
Attaahil Price Graphs


Click to view Price Analysis Tool
Caps / Zoom options
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
Loading...
X Axis
Greater than:
Less or equal to:
N (# of Samples)
Total Borrrowers of Samples
Avg
Min
Max
Std Dev
By Inst Type
By Country

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to ∞