- MFTransparency.org Truth In Lending Tables

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
1st Valley Bank	38,900	48,291,000	3	153
AJDFI	13,100	884,000	6	153
ARDCI	44,600	9,403,000	1	153
ASA Philippines	333,400	29,282,000	1	153
ASHI	35,400	5,231,000	6	153
ASKI	60,000	15,247,000	4	153
Bangko Kabayan	8,900	2,373,000	2	153
BSEI	600	73,000	2	153
CBI	8,100	2,010,000	5	153
CCT	70,300	9,504,000	4	153
CEV	35,400	5,111,000	4	153
DSPI	59,300	3,676,000	3	153
ECLOF	5,400	1,836,000	4	153
FCB	12,000	2,392,000	2	153
FMB	2,700	710,000	2	153
GM Bank	23,500	1,553,000	3	153
HSPFI	19,100	1,899,000	2	153
JVOFI	1,300	281,000	1	153
Katipunan Bank	42,100	5,325,000	2	153
KDCI	20,500	2,095,000	3	153
KGI	32,300	3,421,000	4	153
KMBI	245,000	15,098,000	1	153
LTMPC	37,400	8,935,000	3	153
Mallig Plains	6,500	641,000	2	153
MILAMDEC	29,800	3,278,000	2	153
MWIMPC	11,800	1,740,000	4	152
NWTF	105,500	12,698,000	5	153
OFMPC	4,400	964,000	1	153
PBC	50,700	10,434,000	4	153
PCSD	700	167,000	1	153
PMPC	23,500	5,565,000	8	153
RB Angeles	900	1,502,000	2	153
RB Labason	500	289,000	1	153
RBLI	5,200	1,026,000	2	153
RBMI	11,900	1,750,000	2	153
RMB	100	173,000	1	153
RSPI	39,600	2,834,000	4	153
SAFRAGEMC	1,100	229,000	1	153
Salve	10,900	1,191,000	3	153
SEDP	27,000	3,914,000	3	153
TSKI	212,900	25,187,000	2	153
TSPI	264,500	31,290,000	7	153
Valient	1,700	672,000	2	153

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

Parabank OJSC 60 Samed Vurgun strBaku, BakuAZ1022

Data approved: 2010-05-25

Data version: 1

Age of data: - months

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Product

Consumer Loans Product 1 of 4 « Prev | Next »

Product Details

Key Statistics

Outstanding portfolio (AZN)	AZN 7,200
Portfolio (USD)	USD 9,000
Active Clients with Loans	1,268
Approximate % Female Clients	20% - 40%
Approximate % Urban Clients	0% - 20%

Methodology

Individual	x
Solidarity group
Village banking
Self help group
Other

Description

Loans for consumer needs

Loan Purpose

Any purpose	x
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education	x
Group meetings
Credit insurance	x
Workplace visits
Business training
Other training
Other
Other (2)
No other services

Eligibility

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

# 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 1,000
Maximum loan size	20,000

Loan Term and Grace Period

Shortest loan term	3.0 months
Longest loan term	24.0 months
Approx average	12.0 months

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
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	2.00%
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	Cash withdrawal fee
% of loan amount - min	2.00%
% of loan amount - max	8.00%
OR, Fixed amount - min	0
Fixed amount - max	0
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

Consumer Loans samples

	Sample 1	Sample 2	Sample 3	Sample 4	Sample 5
Loan Amount	AZN 1,500	AZN 3,000	AZN 6,000	AZN 10,000	AZN 12,000
Loan Cycle (1, 2, 3, etc)	Not Known	Not Known	Not Known	Not Known	Not Known
Disbursement Date	2010-03-29	2010-03-29	2010-03-02	2010-03-04	2010-03-31
Loan Term (Months)	12.0 months	12.0 months	24.0 months	24.0 months	18.0 months
Grace Period (Months)	0.0 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	Not Known
True Price by Comp
Interest and Fee Component	42.1%	35.8%	32.1%	32.1%	31.9%
Insurance Component	0.0%	0.0%	0.0%	0.0%	0.0%
Tax Component	0.0%	0.0%	0.0%	0.0%	0.0%
Deposit Component	0.0%	0.0%	0.0%	0.0%	0.0%
Full APR (int fee ins tax dep)	42.1%	35.8%	32.1%	32.1%	31.9%
Transparency Index	57	67	75	75	75

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

Consumer Loans 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
	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
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