| Number borrowers | 8,462 |
| Loan Amount (range) | USD 100 - 25,000 |
| Loan Term (range) | 3 - 36 |
| Other Services (text summary) | |
| Annual Interest & Method | 24.0%-32.0% annual, Decl Bal |
| Fees | 2.00%-3.00% upfront |
| Insurance | None |
| Tax | None |
| Comp Dep | N/A |
| Range of pricing | |
| Interest Price Component | 21.8% - 38.4% |
| Fee Component | 1.5% - 7.1% |
| Insurance Component | 0 |
| Tax Component Range | 0 |
| Full APR (int fee ins tax dep) | 29.4% - 34.3% |
| Transparency Index (min/max) | 57 - 94 |
| Transparency Index (average) | 74 |
| 5,117 |
| KHR 100,000 - 12,000,000 |
| 1 - 12 |
| Credit Ins |
| 30.0%-36.0% annual, Decl Bal |
| None |
| None |
| 3.0% upfront |
| #N/A |
| N/A |
| Outstanding portfolio (USD) | USD 38,015,232.05 |
| Portfolio (USD) | USD 38,015,232.05 |
| Active Clients with Loans | 8,462 |
| Approximate % Female Clients | 0% - 20% |
| Approximate % Urban Clients | 40% - 60% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | |
| Group meetings | |
| Credit insurance | |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services | x |
| 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 | |
| Other (2) |
| # Regions for this institution | 8 |
| # Regions for this product | 8 |
| Regions Active | Absheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Orta Kur, Daglig-Shirvan, Nakhichevan |
| Outstanding portfolio (KHR) | KHR 10,820,938,900 |
| Portfolio (USD) | USD 2,765,381.78 |
| Active Clients with Loans | 5,117 |
| Approximate % Female Clients | 0 |
| Approximate % Urban Clients | 0 |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | x |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | |
| Group meetings | |
| Credit insurance | x |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | |
| Other (2) | |
| No other services |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | x |
| Must be a salaried worker | |
| Must be specific age group | x |
| Other | |
| Other (2) |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Currency | USD |
| Minimum loan size | USD 100 |
| Maximum loan size | 25,000 |
| Loans less than USD 1,500 | 10% |
| USD 1,500-5,000 | 40% |
| USD 5,000-10,000 | 40% |
| USD 10,000-15,000 | 5% |
| USD 15,000-18,000 | 0 |
| Greater than USD 18,000 | 0 |
| Shortest loan term | 3.0 months |
| Longest loan term | 36.0 months |
| Approx average | 18.0 months |
| Loans 3 months or less | 0 |
| Between 4 and 6 months | 0 |
| Between 7 and 9 months | 0 |
| Between 10 and 12 months | 30% |
| Between 13 and 18 months | 40% |
| Longer than 18 months | 30% |
| Grace period usage | 10% |
| Average grace period | 3.0 months |
| 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 |
| Currency | KHR |
| Minimum loan size | KHR 100,000 |
| Maximum loan size | 12,000,000 |
| Shortest loan term | 1.0 month |
| Longest loan term | 12.0 months |
| Approx average | 11.0 months |
| Loans 3 months or less | N/A |
| Between 4 and 6 months | N/A |
| Between 7 and 9 months | N/A |
| Between 10 and 12 months | N/A |
| Between 13 and 18 months | N/A |
| Longer than 18 months | N/A |
| Grace period usage | 0 |
| Average grace period | 0 |
| 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 |
| Lowest quoted nominal interest | 24.00% |
| Highest quoted nominal interest | 32.00% |
| Reason(s) why interest rate varies | Loan Size |
| Interest rate period | Yearly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Fee 1 | |
|---|---|
| Description | Commission Fee |
| % of loan amount - min | 2.00% |
| % of loan amount - max | 3.00% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | Commission varies with loan amount. 2% applied on loan amount $5000 and above, 3% on less than $5000. 2% commission flat fee is applicable for Nakhchivan only |
| Appears on Repayment Sched? | No |
| Required for | Never |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | N/A |
| Do borrowers control deposit in their group? | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| % loan amount deposited | N/A |
| or, Fixed-amount deposited | N/A |
| Conditions on access to deposit | N/A |
| Minimum interest rate paid | N/A |
| Maximum interest rate paid | N/A |
| Interest payment frequency | N/A |
| Are taxes charged on this product? | No |
| Lowest quoted nominal interest | 2.50% |
| Highest quoted nominal interest | 3.00% |
| Reason(s) why interest rate varies | Loan Size |
| Interest rate period | Monthly |
| Interest Rate Calculation Method | Decl Bal |
| Subsidized by funder request? | No |
| Is rate fixed for entire loan term | Yes |
| Ins 1 | |
|---|---|
| Description | Insurance |
| % of loan amount - min | 1.50% |
| % of loan amount - max | 1.50% |
| OR, Fixed amount - min | 0 |
| Fixed amount - max | 0 |
| Reason for variation | N/A |
| Appears on Repayment Sched? | No |
| Required for | All |
| Criteria | N/A |
| Is deposit indicated on the repayment schedule? | No |
| Do borrowers control deposit in their group? |
| % loan amount deposited | 3.00% |
| or, Fixed-amount deposited | 0 |
| % loan amount deposited | 0 |
| or, Fixed-amount deposited | 0 |
| Conditions on access to deposit | Final Pmt |
| Minimum interest rate paid | 6.00% |
| Maximum interest rate paid | 6.00% |
| Interest payment frequency | Monthly |
| Are taxes charged on this product? | No |
Loan Amount |
Type of Sample |
Disbursement Date |
Loan Term (Months) |
Grace Period (Months) |
Total Cost of Credit |
Full APR (int fee ins tax dep) |
True Price by Component |
Transparency Index |
Original Repayment Schedule |
MFT Pricing Calculation |
||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Interest price component |
Fee Component |
Insurance Component |
Tax Component |
Deposit Component |
||||||||||
| USD 2,550 | Generated | 2014-10-01 | 10.0 months | 0.0 months | USD 408.78 | 34.3% | 29.6% | 4.7% | 0.0% | 0.0% | 0.0% | 70 | - | |
| USD 3,000 | Generated | 2014-10-01 | 18.1 months | 0.0 months | USD 725.16 | 29.4% | 25.2% | 4.2% | 0.0% | 0.0% | 0.0% | 82 | - | |
| USD 3,450 | Generated | 2014-10-01 | 10.0 months | 0.0 months | USD 488.05 | 30.8% | 23.8% | 7.0% | 0.0% | 0.0% | 0.0% | 78 | - | |
| USD 5,100 | Generated | 2014-10-01 | 12.1 months | 0.0 months | USD 911.55 | 32.1% | 28.2% | 3.9% | 0.0% | 0.0% | 0.0% | 75 | - | |
| USD 6,000 | Generated | 2014-10-01 | 18.1 months | 0.0 months | USD 1,635.54 | 32.9% | 28.7% | 4.2% | 0.0% | 0.0% | 0.0% | 73 | - | |
| USD 6,900 | Generated | 2014-10-01 | 24.3 months | 0.0 months | USD 2,632.10 | 33.9% | 30.6% | 3.3% | 0.0% | 0.0% | 0.0% | 71 | - | |
| USD 18,000 | Generated | 2014-10-01 | 24.3 months | 0.0 months | USD 6,908.50 | 33.8% | 31.6% | 2.2% | 0.0% | 0.0% | 0.0% | 71 | - | |
| 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 |
|---|---|---|---|---|---|---|---|
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