Institution # Borrowers Portfolio (US$) Products Age of Data
AGFS20047,0002117
Ahantaman RB23,8009,896,000499
APED13,7001,876,000299
ASA Initiative4,400577,000499
ASA-Ghana71,60018,385,000299
ASPI80088,000699
Atwima Kwanwoma3,8001,788,000299
Baobab5,100967,000299
BestFUND13,0004,172,000399
Bonzali Rural10,4001,691,0004117
CashPhase83135,000299
CASUD1,100524,000199
CEDEF50054,000499
CFF10013,000199
CRAN3,6001,019,000299
DQF1,70063,000299
EASL9,20011,409,000699
East Mamprusi12,5002,268,000499
ELDA00099
EMPRETEC Ghana20056,000299
FASL13,50014,047,000899
Grameen Ghana9,500507,000399
ID-Ghana5,600953,000399
Innovative Finance2,700354,000399
Kraban Support7,700781,0005117
KRB4,0006,350,000399
Lower Pra RB34,0006,316,0003117
Maata-N-Tudu12,000941,000499
Mail Finance300288,000199
Markaz00099
Markaz Al Bishara10017,000199
MicrofinPlus Gh1,100251,000299
Nwabiagya RB4,0002,265,000399
OISL62,00027,232,000999
Pro Credit00099
Rich Step100101,000199
SAT147,60029,359,000499
Sekam Trust600137,000299
Simli Pong8,900463,0003117
SS Ghana20035,000199
TCCU10032,000399
The Bridge40032,0003117
Union RB3,8002,361,000499
Please note that the information you are viewing is 80 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Viator Microcredit Azerbaijan LLC N.Narimanov str., 207, Ganja, AzerbaijanGanjaAZ2000
Data approved: 1900-01-00
Data version: 1
Age of data: 80 months

Product

Agricultural Loan USD Product 5 of 8 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (USD)USD 567,274
Portfolio (USD)USD 567,274
Active Clients with Loans272
Approximate % Female Clients20% - 40%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
This product includes all kinds of agricultural business activities, such as animal husbandry, planting, bee-keeping, cattle-breeding, poultry farming.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business trainingx
Other trainingx
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 institution2
# Regions for this product2
Regions ActiveGanja-Qazakh, Shaki-Zaqatala

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 400
Maximum loan size8,000
Distribution at Disbursement (Est.)
Loans less than USD 1,50030%
USD 1,500-5,00050%
USD 5,000-10,00020%
USD 10,000-15,0000
USD 15,000-18,0000
Greater than USD 18,0000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term18.0 months
Approx average11.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months15%
Between 7 and 9 months15%
Between 10 and 12 months50%
Between 13 and 18 months20%
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period4.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.40%
Highest quoted nominal interest2.90%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Loan Purpose
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionCommission fee
% of loan amount - min2.00%
% of loan amount - max3.00%
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
Ins 1
DescriptionInsurance Fee
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
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
Viator provides Agricultural Loan soft (USD) with interest rate 2.4% only for clients who are in the 10th cycle and for the clients who have finished 2 business courses training of the FINLED (Financial Literacy and Education) program provided by Viator HRDP Department. For those clients who avail loan less than 2,000 USD Viator shoulders the Credit Bureau fee of 1 AZN.

Full Pricing Data

Agricultural Loan USD samples
Sample 1
Loan AmountUSD 2,600
Loan Cycle (1, 2, 3, etc)Not Known
Disbursement Date2014-05-16
Loan Term (Months)18.0 months
Grace Period (Months)0
Total Cost of CreditUSD 766.75
True Price by Comp 
Interest price component30.7%
Fee Component2.7%
Insurance Component1.5%
Tax Component0
Deposit Component0
Full APR (int fee ins tax dep)34.9%
Transparency Index83
  
Original Repayment SchedulePDF
MFT Pricing CalculationPDF
Agricultural Loan USD 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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