Please note that the information you are viewing is 135 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE


Parabank 60 Samed Vurgun strBaku, BakuAZ1022
Data approved: 2012-04-18
Data version: 2
Age of data: 135 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website address
Year established1991
Head of InstitutionVali Guliyev
Regions activeAbsheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Orta Kur, Daglig-ShirvanKur
# Branches16

Total Portfolio (nat'l)AZN 64,721,000
Total Portfolio (USD)USD 82,975,641.03
Active clients with loans7,573
Approximate % female clients40% - 60%
Approximate % urban clients0% - 20%
Network affiliations

Loan Products » Summary

6,236 Borrowers
USD 13,669,682.05 Portfolio
Active Product
2,640 Borrowers
USD 2,472,435.90 Portfolio
Active Product
1,510 Borrowers
USD 21,093,866.67 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Consumer Loans AZN 1,000 - 20,000 3 - 24 20% - 40% 0% - 20% Any Purpose Women, Men, Have home or land, Salaried worker Credit Educ, Credit Ins
Group Loans AZN 500 - 2,000 3 - 18 20% - 40% 0% - 20% Business Women, Men Credit Educ, Group Mtgs, Credit Ins
Micro Loans AZN 1,000 - 20,000 6 - 18 20% - 40% 40% - 60% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumer Loans 24.0%-36.0% annual, Decl Bal 1 Fee 0 Ins None N/A 27.8% - 38.1% 27.8% - 38.1% 77
Group Loans 24.0%-36.0% annual, Decl Bal 1 Fee 0 Ins None N/A 24.3% - 37.7% 24.3% - 37.7% 81
Micro Loans 24.0%-36.0% annual, Decl Bal 1 Fee 0 Ins None N/A 33.9% - 43% 33.9% - 43% 63
Institution Price Graph
Please note that the information you are viewing is 98 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE


Seilanithih Limted No. 35, St. 360Sangkat Boeung Keng Kang IKhan Chamkarmorn, Phnom Penh
Data approved: 2013-04-02
Data version: 3
Age of data: 98 months


Individual Loan (KHR) Product 7 of 8 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 12,616,520,700
Portfolio (USD)USD 3,194,055.87
Active Clients with Loans7,352
Approximate % Female Clients60% - 80%
Approximate % Urban Clients0% - 20%
Solidarity group
Village banking
Self help group
This loan is provided for individual people for the business purpose. It can be use for business, service, handicraft and agriculture.
Loan Purpose
Any purpose
Income generationx
Consumer loan
Other household finance
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other (2)
No other servicesx
Must run a businessx
Must own a home or landx
Must be a salaried worker
Must be specific age groupx
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution7
# Regions for this product7
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kandal, Phnom Penh, PursatSiem Reap

Loan Conditions

Loan Amount
Minimum loan sizeKHR 400,000
Maximum loan size20,000,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,0005%
KHR 1,000,000-3,500,00015%
KHR 3,500,000-6,000,00020%
KHR 6,000,000-8,000,00030%
KHR 8,000,000-10,000,00010%
Greater than KHR 10,000,00010%
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term12.0 months
Approx average11.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less10%
Between 4 and 6 months10%
Between 7 and 9 months10%
Between 10 and 12 months70%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Every 2 weeks
Every 4 weeks
Every 2 months
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Lowest quoted nominal interest2.50%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
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 forAll
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited3.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositFinal Pmt
Interest Paid on Deposit
Minimum interest rate paid6.00%
Maximum interest rate paid6.00%
Interest payment frequencyMonthly
Are taxes charged on this product?No

Full Pricing Data

Individual Loan (KHR) samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountKHR 500,000KHR 1,200,000KHR 2,500,000KHR 4,500,000KHR 7,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-01-102012-03-302013-03-292012-11-192012-06-13
Loan Term (Months)12.0 months12.0 months10.0 months12.0 months12.0 months
Grace Period (Months)11.3 months11.3 months9.5 months11.0 months11.1 months
Total Cost of CreditKHR 184,000KHR 442,800KHR 785,000KHR 1,489,200KHR 2,111,500
True Price by Comp         
Interest price component36.0%36.0%36.0%33.0%30.0%
Fee Component0.0%0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component1.1%1.1%1.1%1.1%1.0%
Full APR (int fee ins tax dep)37.1%37.1%37.1%34.1%31.0%
Transparency Index8181818897
Original Repayment SchedulePDFPDFPDFPDFPDF
Individual Loan (KHR) 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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N (# of Samples)
Total Borrrowers of Samples
Std Dev
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By Country

Total Borrowers of Samples

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