| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | http://www.mojaz.org |
| Year established | 2008 |
| Head of Institution | Gulshan Kaur |
| Regions active | Punjab |
| # Branches | 4 |
| Total Portfolio (nat'l) | PKR 246,000,000 |
| Total Portfolio (USD) | USD 2,415,720 |
| Active clients with loans | 13,417 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | Pakistan Center for Philanthropy, Human Resource Development Network |
| Funders | Pakistan Poverty Alleviation Fund, Orix Leasing, Orangi Charitable Trust |
| 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 | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Regular Loan | PKR 10,000 - 75,000 | 12 - 18 | 40% - 60% | 0% - 20% | Business, Agriculture, Livestock | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training | |||||||
| Seasonal Loan | PKR 10,000 - 75,000 | 3 - 6 | 40% - 60% | 0% | Agriculture, Other, Livestock | Women, Men, Must be involved in agriculture activity | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, 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 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Regular Loan | 20.0% annual, Flat | 1 Fee | 1 Ins | None | N/A | 39.3% | 41.3% | 48 | ||||||||
| Seasonal Loan | 24.0% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 30.2% | 32.3% | 74 |
| 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 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Regular Loan | 20.0% annual, Flat | 1 Fee | 1 Ins Ins | None | N/A | 39.3% | 41.3% | 48 | ||||||||
| Seasonal Loan | 24.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 30.2% | 32.3% | 74 |
| 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 |
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