Number borrowers | 33,876 |
Loan Amount (range) | AZN 50 - 2,400 |
Loan Term (range) | 6 - 24 |
Other Services (text summary) | |
Annual Interest & Method | 24.5%-37.0% 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) | 28.9% - 42.6% |
Transparency Index (min/max) | 57 - 94 |
Transparency Index (average) | 70 |
450 |
THB 6,001 - 40,000 |
3 - 24 |
Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training |
33.0%-36.0% annual, Decl Bal |
None |
None |
None |
N/A |
21.5% - 35.9% |
0 |
0 |
0 |
33.8% - 34.7% |
68 - 100 |
97 |
Outstanding portfolio (AZN) | AZN 27,307,579 |
Portfolio (USD) | USD 35,009,716.67 |
Active Clients with Loans | 33,876 |
Approximate % Female Clients | 20% - 40% |
Approximate % Urban Clients | 0% - 20% |
Individual | |
Solidarity group | x |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | x |
Consumer loan | x |
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 (THB) | THB 11,406,586 |
Portfolio (USD) | USD 386,663.93 |
Active Clients with Loans | 450 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
Individual | |
Solidarity group | x |
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 | x |
Group meetings | x |
Credit insurance | x |
Workplace visits | |
Business training | x |
Other training | x |
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 | 20 |
# Regions for this product | 2 |
Regions Active | Banteay Meanchey, Battambang |
Currency | AZN |
Minimum loan size | AZN 50 |
Maximum loan size | 2,400 |
Loans less than AZN 1,000 | 40% |
AZN 1,000-5,000 | 60% |
AZN 5,000-8,000 | 0 |
AZN 8,000-11,000 | 0 |
AZN 11,000-14,000 | 0 |
Greater than AZN 14,000 | 0 |
Shortest loan term | 6.0 months |
Longest loan term | 24.0 months |
Approx average | 15.0 months |
Loans 3 months or less | 0 |
Between 4 and 6 months | 0 |
Between 7 and 9 months | 0 |
Between 10 and 12 months | 40% |
Between 13 and 18 months | 60% |
Longer than 18 months | 0 |
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 | THB |
Minimum loan size | THB 6,001 |
Maximum loan size | 40,000 |
Loans less than THB 10,000 | 0 |
THB 10,000-30,000 | 50% |
THB 30,000-50,000 | 50% |
THB 50,000-70,000 | 0 |
THB 70,000-90,000 | 0 |
Greater than THB 90,000 | 0 |
Shortest loan term | 3.0 months |
Longest loan term | 24.0 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 | 10% |
Between 13 and 18 months | 50% |
Longer than 18 months | 40% |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | x |
Quarterly | x |
Every 6 months | x |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 24.50% |
Highest quoted nominal interest | 37.00% |
Reason(s) why interest rate varies | Branch, 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 | The variation is due to loan term. 2% on the term upto 12 months and 3% on higher than 12 months |
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 | 2.75% |
Highest quoted nominal interest | 3.00% |
Reason(s) why interest rate varies | Branch, Client Risk |
Interest rate period | Monthly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
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 |
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 |
||||||||||
AZN 50 | Generated | 2014-10-01 | 10.0 months | 0.0 months | AZN 6.69 | 28.9% | 24.3% | 4.6% | 0.0% | 0.0% | 0.0% | 85 | - | |
AZN 50 | Generated | 2014-10-01 | 10.0 months | 0.0 months | AZN 9.72 | 41.2% | 36.5% | 4.7% | 0.0% | 0.0% | 0.0% | 60 | - | |
AZN 57.50 | Generated | 2014-10-01 | 10.0 months | 0.0 months | AZN 11.47 | 42.6% | 35.5% | 7.1% | 0.0% | 0.0% | 0.0% | 58 | - | |
AZN 500 | Generated | 2014-10-01 | 14.1 months | 0.0 months | AZN 124.70 | 38.0% | 34.5% | 3.5% | 0.0% | 0.0% | 0.0% | 64 | - | |
AZN 750 | Generated | 2014-10-01 | 16.1 months | 0.0 months | AZN 195.69 | 35.3% | 30.6% | 4.7% | 0.0% | 0.0% | 0.0% | 69 | - | |
AZN 890 | Generated | 2014-10-01 | 12.1 months | 0.0 months | AZN 186.11 | 37.6% | 31.6% | 6.0% | 0.0% | 0.0% | 0.0% | 65 | - | |
AZN 1,000 | Generated | 2014-10-01 | 18.1 months | 0.0 months | AZN 262.59 | 31.4% | 28.7% | 2.7% | 0.0% | 0.0% | 0.0% | 78 | - | |
AZN 1,500 | Generated | 2014-10-01 | 12.1 months | 0.0 months | AZN 270.09 | 32.7% | 26.7% | 6.0% | 0.0% | 0.0% | 0.0% | 75 | - | |
AZN 2,400 | Generated | 2014-10-01 | 18.1 months | 0.0 months | AZN 651.57 | 32.4% | 29.6% | 2.8% | 0.0% | 0.0% | 0.0% | 76 | - |
Sample 1 | Sample 2 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | THB 10,000 | THB 20,000 | THB 40,000 | ||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | ||
Disbursement Date | 2013-03-12 | 2013-02-22 | 2013-02-22 | ||
Loan Term (Months) | 11.0 months | 24.0 months | 24.0 months | ||
Grace Period (Months) | 10.4 months | 8.7 months | 10.6 months | ||
Total Cost of Credit | THB 3,294 | THB 9,473 | THB 19,874 | ||
True Price by Comp | |||||
Interest price component | 34.7% | 33.8% | 33.8% | ||
Fee Component | 0.0% | 0.0% | 0.0% | ||
Insurance Component | 0.0% | 0.0% | 0.0% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 0.0% | 0.0% | 0.0% | ||
Full APR (int fee ins tax dep) | 34.7% | 33.8% | 33.8% | ||
Transparency Index | 95 | 98 | 98 | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
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 ∞ |