Please note that the information you are viewing is 140 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

San Miguel de los Bancos AV. 17 DE JULIO Y JAIME ROLDOSSAN MIGUEL DE LOS BANCOSPichincha
Data approved: 2011-02-09
Data version: 1
Age of data: 140 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?No
Website addresshttp://WWW.COACSANMIGUEL.FIN.EC/
Year established1995
Head of InstitutionSULEMA PIZARRO CANDO
Regions active
# Branches3

Total Portfolio (nat'l)USD 4,602,402.64
Total Portfolio (USD)USD 4,602,402.64
Active clients with loans1,953
Approximate % female clients20% - 40%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Loan Products » Summary

749 Borrowers
USD 1,659,418.25 Portfolio
Active Product
53 Borrowers
USD 397,481.11 Portfolio
Active Product
621 Borrowers
USD 1,495,211.67 Portfolio
Active Product
359 Borrowers
USD 1,107,861.69 Portfolio
Active Product
32 Borrowers
USD 94,986.44 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credito de Consumo USD 250 - 8,000 4 - 30 20% - 40% 40% - 60% Any Purpose Women, Men, Salaried worker Credit Ins
Credito de Vivienda USD 8,001 - 17,000 38 - 58 20% - 40% 60% - 80% Housing, Compra de terreno, casa, apartamentos, Construccion y mejora de casa Women, Men, Have business, Have home or land, Salaried worker Credit Ins
Micro Juanita Individual USD 250 - 17,000 4 - 56 40% - 60% 60% - 80% Business Women, Men, Have business, DEPENDE DEL MONTO PRESENTA COPIAS DE UN BIEN INMUEBLE. Credit Ins
Microcreditos USD 250 - 17,000 4 - 56 20% - 40% 60% - 80% Business Women, Men, Have business, DEPENDE DEL MONTO PRESENTA COPIAS DEL BIEN INMUEBLE. Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credito de Consumo 15.2% annual, Decl Bal 0 Fees 1 Ins None 9.0% upfront 15.4% 18.7% - 19.2% 79
Credito de Vivienda 10.8% annual, Decl Bal 1 Fee 0 Ins None 9.0% upfront 10.9% 13.8% 78
Micro Juanita Individual 20.0%-26.9% annual, Decl Bal 0 Fees 1 Ins None N/A 20.3% 21% 95
Microcreditos 20.0%-26.9% annual, Decl Bal 0 Fees 1 Ins None N/A 22.3% - 27.3% 23.1% - 28% 80
Institution Price Graph
Please note that the information you are viewing is 149 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Bank of Baku Baku şh.Atatàrk pr-ti 42Baku, BakuAZ1069
Data approved: 2010-05-24
Data version: 1
Age of data: 149 months

Product

Avtomobil krediti Product 3 of 4 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (AZN)AZN 55,853,742.66
Portfolio (USD)USD 71,607,362.38
Active Clients with Loans5,751
Approximate % Female Clients20% - 40%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Bu kredit nàvà yalnÄz avtomobil alÄnmasÄ àçàn ayrÄlÄ
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
OtherYox
Other (2)Yox
No other servicesx
Eligibility
Menx
Womenx
Must run a business
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 institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyAZN
Minimum loan sizeAZN 500
Maximum loan size50,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term36.0 months
Approx average36.0 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 interest20.00%
Highest quoted nominal interest26.00%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose, Avtomobil markalarından asılı olaraq d?yişir
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 - min4.00%
% of loan amount - max4.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationNA
Appears on Repayment Sched?No
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
xeyr

Full Pricing Data

Avtomobil krediti samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountAZN 3,150AZN 6,250AZN 9,937AZN 12,780
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2010-01-052007-12-102009-08-052008-07-16
Loan Term (Months)18.0 months36.0 months36.0 months36.0 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 Component34.7%27.2%23.4%24.4%
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)34.7%27.2%23.4%24.4%
Transparency Index58748582
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Avtomobil krediti Price Graphs


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Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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