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Institution

Unibank Baku şh., Rşid Behbudov kàçsi 57Baku, BakuAZ 1022
Data approved: 2011-12-08
Data version: 2
Age of data: 134 months

Product

Mikrokredit (AZM) Product 1 of 1 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (AZN)AZN 50,000
Portfolio (USD)USD 64,102.56
Active Clients with Loans887
Approximate % Female Clients20% - 40%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Kiçik, orta sahibkarlÄğÄn v knd tsrràfatÄnÄn inkişafÄna yànldiln biznes kreditlri.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
Agriculture
Educationx
Other household financex
OtherKnd tsrràfatÄnÄn inkişafÄ
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business trainingx
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 worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution6
# Regions for this product6
Regions ActiveAbsheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Orta Kur

Loan Conditions

Loan Amount
CurrencyAZN
Minimum loan sizeAZN 200
Maximum loan size20,000
Loan Term and Grace Period
Shortest loan term2.0 months
Longest loan term24.0 months
Approx average15.0 months
Grace Period
Grace period usage10%
Average grace period3.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest23.00%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionNÉğd vÉsaitlÉrin kassadan ÃÄxarÄlmasÄ -1%, Kredit proseduru-1%, SÄğorta haqqÄ -0,33%dÉ n-3% -dÉk
% of loan amount - min1.00%
% of loan amount - max2.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Fees
Fee 1
DescriptionNÉğd vÉsaitlÉrin kassadan ÃÄxarÄlmasÄ -1%, Kredit proseduru-1%, SÄğorta haqqÄ -0,33% dÉ n-3%-dÉk
% of loan amount - min2.00%
% of loan amount - max4.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
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

Mikrokredit (AZM) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountUSD 350USD 800USD 1,600USD 3,200USD 6,400USD 10,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-08-152011-01-012011-01-012011-01-012011-01-012011-01-01
Loan Term (Months)6.0 months9.0 months12.0 months12.0 months18.0 months24.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component43.6%41.7%39.1%38.2%35.9%32.2%
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)43.6%41.7%39.1%38.2%35.9%32.2%
Transparency Index535559606471
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Mikrokredit (AZM) Price Graphs


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COOPEDU2,0297,549,8359100
Duterimbere6,6074,365,0443100
Goshen2,0763,716,0085118
Inkingi2,6482,593,3665118
RML4,9603,473,7813100
UCU3,3911,603,5244100
Urwego37,90014,755,0006
Vision Finance14,2263,474,6466118
Wisigara2,177904,7083100
Zamuka253124,4453100
Zigama CSS53,80659,670,7532118
Caps / Zoom options
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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