2. VF Cambodia
Please note that the information you are viewing is 133 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Bank of Baku
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

Institution

VisionFund Cambodia #20, Street 71, Sangkat Tonle Basac,Chamkar Morn DistrictPhnom PenhPO Box 479
Data approved: 2013-04-04
Data version: 3
Age of data: 133 months
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Institution

Bank of Baku Baku şh.Atatàrk pr-ti 42Baku, BakuAZ1069
Data approved: 2010-05-24
Data version: 1
Age of data: 170 months

Product

Agricultural Loan- Solidarity Group - THB Product 19 of 21 « Prev | Next »

Product

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Product Summary

Number borrowers450
Loan Amount (range)THB 6,001 - 40,000
Loan Term (range)3 - 24
Other Services (text summary)Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training
Annual Interest & Method33.0%-36.0% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price Component21.5% - 35.9%
Fee Component0
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)33.8% - 34.7%
Transparency Index (min/max)68 - 100
Transparency Index (average)97

Product Summary

35,646
AZN 150 - 3,000
3 - 24
28.0%-36.0% annual, Decl Bal
5.00%-7.00% upfront
None
None
N/A
 
N/A
36.2% - 46.8% (Int+Fee)
0
0
36.2% - 46.8%
37 - 86
68

Product Details

Key Statistics
Outstanding portfolio (THB)THB 11,406,586
Portfolio (USD)USD 386,663.93
Active Clients with Loans450
Approximate % Female Clients80% - 100%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Agricultural Loan refers to any loan used for agricultural activities or business or income generating activities that earn only seasonal incomes, eg. Pig raising, vegetable growing, rice farming, etc.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurancex
Workplace visits
Business trainingx
Other trainingx
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried worker
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution20
# Regions for this product2
Regions ActiveBanteay Meanchey, Battambang

Product Details

Key Statistics
Outstanding portfolio (AZN)AZN 21,314,755.02
Portfolio (USD)USD 27,326,609
Active Clients with Loans35,646
Approximate % Female Clients60% - 80%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Bu kredit nàvà Bank trfindn seçilmiş màştri kontingentin istehlak mqsdi
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 insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a business
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyTHB
Minimum loan sizeTHB 6,001
Maximum loan size40,000
Distribution at Disbursement (Est.)
Loans less than THB 10,0000
THB 10,000-30,00050%
THB 30,000-50,00050%
THB 50,000-70,0000
THB 70,000-90,0000
Greater than THB 90,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx average18.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months10%
Between 13 and 18 months50%
Longer than 18 months40%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 monthsx
Quarterlyx
Every 6 monthsx
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyAZN
Minimum loan sizeAZN 150
Maximum loan size3,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx average12.0 months
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 interest2.75%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesBranch, Client Risk
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
Additional Comments
Financial education is part of our services to clients. Funeral benefits for clients, spouse, and children are also included as part of the insurance benefit, but we do not charge any additional fee/premium from them, other than interest on loan.

Pricing Information

Interest
Lowest quoted nominal interest28.00%
Highest quoted nominal interest36.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose, MàŒÅŸt?ril?rin iş yerl?rind?n asılı olaraq
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionKreditin rÉsmilÉşdirilmÉsi, nağdlaşdırma vÉ kreditin xidmÉt olunmasÄ
% of loan amount - min5.00%
% of loan amount - max7.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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

Agricultural Loan- Solidarity Group - THB samples
Sample 1Sample 2Sample 3
Loan AmountTHB 10,000THB 20,000THB 40,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-03-122013-02-222013-02-22
Loan Term (Months)11.0 months24.0 months24.0 months
Grace Period (Months)10.4 months8.7 months10.6 months
Total Cost of CreditTHB 3,294THB 9,473THB 19,874
True Price by Comp     
Interest price component34.7%33.8%33.8%
Fee Component0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)34.7%33.8%33.8%
Transparency Index959898
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Nad pul krediti samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountAZN 350AZN 750AZN 1,550AZN 3,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2009-09-292009-09-052009-08-132010-02-16
Loan Term (Months)12.0 months12.0 months12.0 months24.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component44.1%46.8%38.4%36.2%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)44.1%46.8%38.4%36.2%
Transparency Index64607377
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Agricultural Loan- Solidarity Group - THB 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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