2. FINCA
Please note that the information you are viewing is 115 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. PMPC
Please note that the information you are viewing is 152 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

FINCA J. Jabbarli str. 44Baku, AzerbaijanAZ 1065
Data approved: 2014-10-10
Data version: 3
Age of data: 115 months
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Institution

Paglaum Multi Purpose Cooperative 2F PMPC Bldg., Eastern LoocPlaridel, Misamis Occidental7209
Data approved: 2011-11-15
Data version: 1
Age of data: 152 months

Product

SME Loan (USD) Product 4 of 12 « Prev | Next »

Product

Pension Loan Product 6 of 8 « Prev | Next »

Product Summary

Number borrowers111
Loan Amount (range)USD 5,000 - 100,000
Loan Term (range)3 - 60
Other Services (text summary)
Annual Interest & Method20.0%-23.0% annual, Decl Bal
Fees1.00%-2.00% upfront
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component21.8% - 38.4%
Fee Component1.5% - 7.1%
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)24.9% - 25.7%
Transparency Index (min/max)57 - 94
Transparency Index (average)78

Product Summary

2,073
PHP 10,000 - 100,000
6 - 24
Credit Educ, Credit Ins
36.0% annual, Flat
4.00% upfront 100.00 upfront
1.50% upfront 20.00 ongoing
None
6.5% upfront 26.00 ongoing
 
N/A
61.6% - 70.8% (Int+Fee)
2.2% - 83.9%
0
70.1% - 85.5%
15 - 136
47

Product Details

Key Statistics
Outstanding portfolio (USD)USD 3,922,617.95
Portfolio (USD)USD 3,922,617.95
Active Clients with Loans111
Approximate % Female Clients0% - 20%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Available to entrepreneurs engaged in trade, manufacturing or service industries.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution8
# Regions for this product8
Regions ActiveAbsheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Orta Kur, Daglig-Shirvan, Nakhichevan

Product Details

Key Statistics
Outstanding portfolio (PHP)PHP 33,313,118
Portfolio (USD)USD 796,964.55
Active Clients with Loans2,073
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
To provide financial assistance to all qualified pensioners.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visits
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 group
OtherMust be pension holder
Other (2)Must be <80 years
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 5,000
Maximum loan size100,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term60.0 months
Approx average30.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months5%
Between 13 and 18 months5%
Longer than 18 months90%
Grace Period
Grace period usage0
Average grace period0
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
CurrencyPHP
Minimum loan sizePHP 10,000
Maximum loan size100,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term24.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
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 interest20.00%
Highest quoted nominal interest23.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCommission Fee
% of loan amount - min1.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation2% upto the Loan amount $25,000 and 1% for the loan amount more than $25,000
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

Pricing Information

Interest
Lowest quoted nominal interest3.00%
Highest quoted nominal interest3.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionService FeeNotarial Fee
% of loan amount - min4.00%0
% of loan amount - max4.00%0
OR, Fixed amount - min0100
Fixed amount - max0100
Reason for variationN/A
Appears on Repayment Sched?NoNo
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionCredit Insurance
% of loan amount - min1.50%
% of loan amount - max1.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
Ins 1
DescriptionMBA, Life and Retirement Insurance
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min20
Fixed amount - max20
Reason for variationN/A
Appears on Repayment Sched?No
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited6.50%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedPHP 26
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid3.00%
Maximum interest rate paid3.00%
Interest payment frequencyAnnually
Taxes
Are taxes charged on this product?No

Full Pricing Data

SME Loan (USD) samples
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 20,000 Generated 2014-11-01 12.0 months N/A USD 2,854.01 25.7% 21.8% 3.9% 0.0% 0.0% 0.0% 78 - PDF
USD 38,000 Generated 2014-11-01 12.0 months N/A USD 5,422.62 25.7% 21.8% 3.9% 0.0% 0.0% 0.0% 78 - PDF
USD 52,000 Generated 2014-11-01 18.0 months N/A USD 10,995.29 25.5% 22.8% 2.7% 0.0% 0.0% 0.0% 78 - PDF
USD 69,000 Generated 2014-11-01 24.0 months N/A USD 19,085.38 24.9% 22.8% 2.1% 0.0% 0.0% 0.0% 80 - PDF

Full Pricing Data

Pension Loan samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountPHP 13,000PHP 20,000PHP 65,000PHP 100,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-07-052010-08-132011-05-182010-07-05
Loan Term (Months)24.0 months12.0 months24.0 months24.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component64.5%70.8%64.1%61.6%
Insurance Component4.7%5.4%2.5%2.2%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component8.0%9.3%7.2%6.3%
Full APR (int fee ins tax dep)77.1%85.5%73.9%70.1%
Transparency Index47424951
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
SME Loan (USD) Price Graphs


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Pension Loan 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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