| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.parabank.az/ |
| Year established | 1991 |
| Head of Institution | Vali Guliyev |
| Regions active | Absheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Orta Kur, Daglig-ShirvanKur |
| # Branches | 16 |
| Total Portfolio (nat'l) | AZN 64,721,000 |
| Total Portfolio (USD) | USD 82,975,641.03 |
| Active clients with loans | 7,573 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | |
| Funders |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.amrdo.org |
| Year established | 1998 |
| Head of Institution | Mr. Abdul Jabbar Chhachhar |
| Regions active | Sindh |
| # Branches | 12 |
| Total Portfolio (nat'l) | PKR 124,907,948 |
| Total Portfolio (USD) | USD 1,226,596.05 |
| Active clients with loans | 14,361 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | MON-PAK, NHN-Sindh Chapter, SMN-Sindh, FANSA-Pakistan Chapter |
| Funders | Pakistan Povery Alleviation Fund-PPAF/Orix Leasing Pakistan, United Nations Development Program-UNDP, Aurat Foundation-USAID, OPP-OCT/RTI-MISEROR |
| 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 |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MC Enterprise | PKR 3,000 - 75,000 | 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | Group Mtgs |
| 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 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MC Enterprise | 22.0% annual, Flat | 2 Fees | 0 | None | N/A | 47.8% - 48.5% | 47.8% - 48.5% | 45 |
| 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 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 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 Ins | None | N/A | 33.9% - 43% | 33.9% - 43% | 63 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| MC Enterprise | 22.0% annual, Flat | 2 Fees | 0 | None | N/A | 47.8% - 48.5% | 47.8% - 48.5% | 45 |
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