2. Turanbank
Please note that the information you are viewing is 170 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. AMRET
Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

TuranBank ASC IsmayÄlbey QutkaşÄnlÄ kàçsi 85Baku, Baku1000
Data approved: 2010-05-24
Data version: 1
Age of data: 170 months

Institution

Amret Microfinance Institution # 35BA, St.169, Sangkat Veal VongKhan 7 MakaraPhnom Penh, Cambodia855
Data approved: 2013-05-21
Data version: 3
Age of data: 132 months
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Product

Iri hecmli istehlak kreditleri Product 1 of 5 « Prev | Next »

Product

Home Improvement Loan (KHR) Product 6 of 8 « Prev | Next »

Product Summary

Number borrowers175
Loan Amount (range)AZN 35,000 - 100,000
Loan Term (range)12 - 30
Other Services (text summary)Credit Ins
Annual Interest & Method25.0%-28.0% annual, Flat
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component28.1% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)28.1%
Transparency Index (min/max)62 - 152
Transparency Index (average)89

Product Summary

1,913
KHR 1,000,000 - 40,000,000
3 - 36
30.0%-42.0% annual, Decl Bal
None
None
None
N/A
 
14.3% - 38.4%
0
0
0
29.9% - 38.1%
58 - 112
89

Product Details

Key Statistics
Outstanding portfolio (AZN)AZN 75,000
Portfolio (USD)USD 96,153.85
Active Clients with Loans175
Approximate % Female Clients0% - 20%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
IstehlakçÄlarÄn 100 000 manatadk yaranmÄş tlbatlarÄn àdnilmsi àçàn yaranmÄş kredit mhsulu
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution3
# Regions for this product3
Regions ActiveAbsheron, Ganja-Qazakh, Shaki-Zaqatala

Product Details

Key Statistics
Outstanding portfolio (KHR)KHR 3,141,395,950
Portfolio (USD)USD 795,290.11
Active Clients with Loans1,913
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
A home improvement loan provides individuals with the necessary funds to carry out renovations or extensions to their existing house (eg. fence, roof, kitchen, WC, living room, etc.).
Loan Purpose
Any purpose
Income generation
Mortgage/housingx
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 landx
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution18
# Regions for this product18
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Phnom Penh, Sihanoukville, Pursat, Prey VengSiem Reap, Svay Rieng, Takéo

Loan Conditions

Loan Amount
CurrencyAZN
Minimum loan sizeAZN 35,000
Maximum loan size100,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term30.0 months
Approx average24.0 months
Grace Period
Grace period usage10%
Average grace periodDK
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
CurrencyKHR
Minimum loan sizeKHR 1,000,000
Maximum loan size40,000,000
Distribution at Disbursement (Est.)
Loans less than KHR 1,000,0005%
KHR 1,000,000-3,500,00015%
KHR 3,500,000-6,000,00030%
KHR 6,000,000-8,000,00020%
KHR 8,000,000-10,000,00015%
Greater than KHR 10,000,00015%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term36.0 months
Approx average17.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less5%
Between 4 and 6 months5%
Between 7 and 9 months10%
Between 10 and 12 months10%
Between 13 and 18 months20%
Longer than 18 months50%
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 interest25.00%
Highest quoted nominal interest28.00%
Reason(s) why interest rate variesTime as Client, Client Risk
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?
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 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 interest2.50%
Highest quoted nominal interest3.50%
Reason(s) why interest rate variesBranch, Time as Client, Loan 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 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

Full Pricing Data

Iri hecmli istehlak kreditleri samples
Sample 1
Loan AmountAZN 57,000
Loan Cycle (1, 2, 3, etc)Not Known
Disbursement Date2010-02-23
Loan Term (Months)30.0 months
Grace Period (Months)0
Total Cost of CreditNot Known
True Price by Comp 
Interest and Fee Component28.1%
Insurance Component0
Tax Component0
Deposit Component0
Full APR (int fee ins tax dep)28.1%
Transparency Index89
  
Original Repayment SchedulePDF
MFT Pricing CalculationPDF

Full Pricing Data

Home Improvement Loan (KHR) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountKHR 1,000,000KHR 2,500,000KHR 6,000,000KHR 8,100,000KHR 10,000,000KHR 12,000,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2013-02-212013-04-252013-04-032013-01-212013-02-082013-01-22
Loan Term (Months)12.0 months19.0 months25.0 months24.0 months24.0 months24.0 months
Grace Period (Months)-0.1 months0.3 months0.6 months0.0 months0.0 months0.0 months
Total Cost of CreditKHR 194,200KHR 789,500KHR 2,360,300KHR 2,528,200KHR 3,515,900KHR 3,745,000
True Price by Comp           
Interest price component35.6%38.1%35.5%30.1%33.2%29.9%
Fee Component0.0%0.0%0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)35.6%38.1%35.5%30.1%33.2%29.9%
Transparency Index84798510090100
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Iri hecmli istehlak kreditleri Price Graphs


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Home Improvement 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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