2. GBTI
Please note that the information you are viewing is 125 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Turanbank
Please note that the information you are viewing is 170 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Ghazi Barotha Taraqiati Idara Ghazi Barotha Taraqiati Idara of G.T Road HattianNear Bloom Field Hall School HattianAttock, Punjab43600
Data approved: 2013-11-12
Data version: 1
Age of data: 125 months

Institution

TuranBank ASC IsmayÄlbey QutkaşÄnlÄ kàçsi 85Baku, Baku1000
Data approved: 2010-05-24
Data version: 1
Age of data: 170 months

Product

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Product

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Product Summary

Number borrowers1,520
Loan Amount (range)PKR 5,000 - 32,000
Loan Term (range)12
Other Services (text summary)Group Mtgs, Credit Ins, Tech Asst Visits
Annual Interest & Method28.0% annual, Decl Bal
Fees400.00 upfront
Insurance200.00 upfront
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component27.2% - 27.9%
Fee Component3.1% - 8.0%
Insurance Component1.6% - 4.2%
Tax Component Range0
Full APR (int fee ins tax dep)32.6% - 40.1%
Transparency Index (min/max)0 - N/A
Transparency Index (average)N/A

Product Summary

311
AZN 1,500 - 35,000
12 - 30
Credit Ins
25.0%-28.0% annual, Flat
1.00% upfront
None
None
N/A
 
N/A
16.4% - 40.0% (Int+Fee)
0
0
16.4% - 40.0%
62 - 152
89

Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 16,397,909
Portfolio (USD)USD 167,325.60
Active Clients with Loans1,520
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
To enable the poor rural community to increase their house hold income by managing livestock for breeding and milk production.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loanx
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurancex
Workplace visitsx
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 groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution2
# Regions for this product2
Regions ActiveKhyber Pakhtunkwa, Punjab

Product Details

Key Statistics
Outstanding portfolio (AZN)AZN 55,000
Portfolio (USD)USD 70,512.82
Active Clients with Loans311
Approximate % Female Clients0% - 20%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
IstehlakçÄlarÄn 35 000 manatadk yaranmÄş tlbatlarÄn àdnilmsi àçàn yaranmÄş kredit mhsulu
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
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 businessx
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 institution3
# Regions for this product3
Regions ActiveAbsheron, Ganja-Qazakh, Shaki-Zaqatala

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 5,000
Maximum loan size32,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0005%
PKR 10,000-25,00090%
PKR 25,000-50,0005%
PKR 50,000-75,0000
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period7 days
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
CurrencyAZN
Minimum loan sizeAZN 1,500
Maximum loan size35,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term30.0 months
Approx average24.0 months
Grace Period
Grace period usage30%
Average grace period24.0 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 interest28.00%
Highest quoted nominal interest28.00%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionProcessing Fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min400
Fixed amount - max400
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCommunity Health Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min200
Fixed amount - max200
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

Pricing Information

Interest
Lowest quoted nominal interest25.00%
Highest quoted nominal interest28.00%
Reason(s) why interest rate variesTime as Client, Client Risk
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCommission Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
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
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

Full Pricing Data

Livestock samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPKR 10,000PKR 15,000PKR 20,000PKR 25,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2014-02-072014-02-012014-01-202014-02-01
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)-0.1 months-0.1 months0.0 months-0.1 months
Total Cost of CreditPKR 2,182PKR 2,970PKR 3,693PKR 4,552
True Price by Comp       
Interest price component27.9%27.9%27.2%27.9%
Fee Component8.0%5.3%3.9%3.1%
Insurance Component4.2%2.7%2.0%1.6%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)40.1%35.9%33.1%32.6%
Transparency IndexN/AN/AN/AN/A
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Orta hecimli istehlak samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountAZN 1,500AZN 3,000AZN 6,500AZN 9,000AZN 12,500
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2009-10-072009-10-202009-07-232009-07-242010-04-12
Loan Term (Months)12.0 months18.0 months18.0 months60.0 months30.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months3.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component40.0%37.4%31.3%16.4%28.8%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)40.0%37.4%31.3%16.4%28.8%
Transparency Index62678010087
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
Livestock 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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