| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.demirbank.az |
| Year established | 1989 |
| Head of Institution | Mr. Roman Amirjanov |
| Regions active | Absheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Orta Kur, Daglig-Shirvan |
| # Branches | 33 |
| Total Portfolio (nat'l) | AZN 312,868,936 |
| Total Portfolio (USD) | USD 401,114,020.50 |
| Active clients with loans | 101,940 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | AzerCbaijan Banks Assosiation, AMFA, Mix Market |
| Funders | EBRD, GAF, BSTDP, FMO |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.adhikarindia.in |
| Year established | 1998 |
| Head of Institution | Mr. Mohammad Nooruddin Amin |
| Regions active | Gujarat, Orissa |
| # Branches | 45 |
| Total Portfolio (nat'l) | INR 141,753,084 |
| Total Portfolio (USD) | USD 2,674,586.49 |
| Active clients with loans | 35,358 |
| Approximate % female clients | 100% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | Sa-Dhan, MFIN |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Loan | AZN 500 - 10,000 | 3 - 36 | 20% - 40% | 40% - 60% | Any Purpose | Women, Men, Have business, Salaried worker | Credit Ins | |||||||
| Employee loan | AZN 300 - 6,000 | 3 - 36 | 20% - 40% | 40% - 60% | Any Purpose | Women, Men, Salaried worker | Credit Ins |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| IGL | INR 7,000 - 15,000 | 12 | 100% | 20% - 40% | Business | Women, Specific age group, Low HH Inc, Med HH Inc | Group Mtgs, Credit Ins, Business Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Loan | 28.0%-34.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 29% - 37% | 30.5% - 43.6% | 68 | ||||||||
| Employee loan | 28.0%-34.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 33% - 36.1% | 34.8% - 42.7% | 75 |
| Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| IGL | 26% | 28% | 29.3% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| IGL | 26.0% annual, Decl Bal | 1 Fee | 1 Ins | 12.36% fees | N/A | 28% | 29.3% | 89 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Loan | 28.0%-34.0% annual, Decl Bal | 2 Fees | 1 Ins Ins | None | N/A | 29% - 37% | 30.5% - 43.6% | 68 | ||||||||
| Employee loan | 28.0%-34.0% annual, Decl Bal | 2 Fees | 1 Ins Ins | None | N/A | 33% - 36.1% | 34.8% - 42.7% | 75 |
| Product Name | APR (int) | MFIN MFI Earning (Annualised) | MFIN Cost to Borrower (Annualised) | COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD | COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES | COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM | MFIN Transparency Index | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| IGL | 26% | 28% | 29.3% | Yes | Yes | Yes | 100 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| IGL | 26.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | 12.36% fees | N/A | 28% | 29.3% | 89 |
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