| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.agahe.org.pk/ |
| Year established | 2001 |
| Head of Institution | Mubarak Ali Sarwar |
| Regions active | Punjab |
| # Branches | 3 |
| Total Portfolio (nat'l) | PKR 28,359,165 |
| Total Portfolio (USD) | USD 289,379.23 |
| Active clients with loans | 2,852 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | Punjab Micro Finance Network, Human Resource Development Network, Punjab NGO Coordination Council, Pakistan Center for Philanthropy |
| Funders | Pakistan Poverty Alleviation Fund, Water Aid, IOM, UN-OCHA / ERF |
| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.demirbank.az |
| Year established | 1989 |
| Head of Institution | Mr. Roman Amirjanov |
| Regions active | Absheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Orta Kur, Daglig-Shirvan |
| # Branches | 33 |
| Total Portfolio (nat'l) | AZN 312,868,936 |
| Total Portfolio (USD) | USD 401,114,020.50 |
| Active clients with loans | 101,940 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | AzerCbaijan Banks Assosiation, AMFA, Mix Market |
| Funders | EBRD, GAF, BSTDP, FMO |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loans | PKR 15,000 - 30,000 | 12 | 80% - 100% | 0% - 20% | Business, Agriculture | Women, Men, Have business, Have home or land, Salaried worker, Specific age group | Group Mtgs, Credit Ins, Business Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Loan | AZN 500 - 10,000 | 3 - 36 | 20% - 40% | 40% - 60% | Any Purpose | Women, Men, Have business, Salaried worker | Credit Ins | |||||||
| Employee loan | AZN 300 - 6,000 | 3 - 36 | 20% - 40% | 40% - 60% | Any Purpose | Women, Men, Salaried worker | Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loans | 20.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 36.8% - 39.5% | 38.8% - 41.6% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Loan | 28.0%-34.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 29% - 37% | 30.5% - 43.6% | 68 | ||||||||
| Employee loan | 28.0%-34.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 33% - 36.1% | 34.8% - 42.7% | 75 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| General Loans | 20.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 36.8% - 39.5% | 38.8% - 41.6% | N/A |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Loan | 28.0%-34.0% annual, Decl Bal | 2 Fees | 1 Ins Ins | None | N/A | 29% - 37% | 30.5% - 43.6% | 68 | ||||||||
| Employee loan | 28.0%-34.0% annual, Decl Bal | 2 Fees | 1 Ins Ins | None | N/A | 33% - 36.1% | 34.8% - 42.7% | 75 |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| 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 | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
