- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
Actuar Caldas	3,700	5,247,000	1	161
Actuar Quindio	2,300	2,800,000	2	161
Actuar Tolima	8,800	5,099,000	3	161
Amanecer	4,300	8,253,000	4	161
Banco Agrario	56,300	39,938,000	3	161
Banco WWB	219,400	294,019,000	5	156
Bancolombia	36,200	51,563,000	1	161
BdO	10,400	7,945,000	2	161
Comerciacoop	1,600	3,255,000	4	161
Confiar	43,800	81,993,000	7	161
Congente	5,400	20,045,000	2	161
Contactar	25,100	20,184,000	2	161
Crezcamos	27,500	22,564,000	4	161
Finamerica	39,800	99,536,000	7	161
FMM Popayán	310,000	243,614,000	3	161
FMSD	6,800	9,236,000	6	161
Fomentamos	900	102,000	1	161
Fund DeLaMujer	199,900	165,568,000	1	161
Fund Oleoductos	500	435,000	1	156
FUNDAUNIBAN	600	1,307,000	2	161
FUNDESAN	2,400	2,521,000	5	161
FUNDESMAG	1,000	1,698,000	2	161
Interactuar	30,200	93,846,000	4	161
MEDA	15,600	27,322,000	2	161
ProCredit CO	5,700	18,569,000	3	161

Please note that the information you are viewing is 171 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

AccessBank Closed Joint-Stock Company B. Seferoglu Street, 176BakuAZ1000

Data approved: 2010-05-24

Data version: 1

Age of data: - months

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Product

Micro standard loan (manat) Product 1 of 4 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (AZN)	AZN 60,738,838
Portfolio (USD)	USD 75,923,547.50
Active Clients with Loans	37,237
Approximate % Female Clients	20% - 40%
Approximate % Urban Clients	60% - 80%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

Loan size: up to USD 20 000; maturity: up to 36 months. A wide range of collateral (should be combined). Loans are offered both in foreign and local currency. Loan processing procedure takes about 1-2 days.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
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 services

Eligibility

Men	x
Women	x
Must run a business	x
Must own a home or land
Must be a salaried worker
Must be specific age group
Other	Combined collateral
Other (2)	Regular stable income

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	AZN
Minimum loan size	AZN 100
Maximum loan size	16,000

Loan Term and Grace Period

Shortest loan term	1.0 month
Longest loan term	36.0 months
Approx average	14.0 months

Grace Period

Grace period usage	10%
Average grace period	2.0 months

Repayment Frequency

Daily
Weekly
Every 2 weeks	x
Every 4 weeks
Monthly	x
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	2.25%
Highest quoted nominal interest	3.00%
Interest rate period	Monthly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?	N/A
Is rate fixed for entire loan term	N/A

Upfront Fees

	Fee 1
Description	Disbursement fee
% of loan amount - min	0
% of loan amount - max	0
OR, Fixed amount - min	5
Fixed amount - max	160
Reason for variation
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 for	Never
Criteria	N/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 deposited	N/A
or, Fixed-amount deposited	N/A

Deposits DURING period payments

% loan amount deposited	N/A
or, Fixed-amount deposited	N/A
Conditions on access to deposit	N/A

Interest Paid on Deposit

Minimum interest rate paid	N/A
Maximum interest rate paid	N/A
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Micro standard loan (manat) samples

	Sample 1	Sample 2	Sample 3	Sample 4
Loan Amount	AZN 340	AZN 800	AZN 1,600	AZN 3,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2009-12-14	2009-10-09	2009-11-24	2009-12-02
Loan Term (Months)	9.0 months	12.0 months	15.0 months	15.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	44.6%	42.0%	41.4%	39.9%
Insurance Component	0.0%	0.0%	0.0%	0.0%
Tax Component	0.0%	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	44.6%	42.0%	41.4%	39.9%
Transparency Index	61	64	65	68

Original Repayment Schedule	PDF	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF	PDF

Micro standard loan (manat) 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

	X Axis
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	Less or equal to:
N (# of Samples)
Total Borrrowers of Samples


Avg
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By Inst Type


By Country

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