Institution # Borrowers Portfolio (US$) Products Age of Data
Adhikar35,3002,674,000199
AMPL00099
Arman41,500529,107,000199
Arohan43,5008,091,000299
ASA INDIA164,00015,380,000199
Asirvad113,50019,328,000199
Asmitha1,114,800217,867,000199
Bandhan4,048,600674,564,000599
Belstar123,00023,945,000277
BSFL275,20031,590,000399
Chaitanya20,7003,748,000399
Disha Microfin69,00014,332,000299
Equitas1,220,000186,415,000499
ESAF354,20043,500,000599
FFSL150,60035,719,000299
Fusion66,8009,820,000299
Grama Vidiyal738,200102,101,000199
Grameen Koota586,60083,555,00015101
Janalakshmi506,000119,077,000299
L & T Finance399,80037,199,000199
MFL331,80049,083,000199
MMFL175,00023,752,000299
Mpower13,6002,263,000299
Sahayata00099
Saija24,7004,682,000299
Samasta45,5004,809,000299
Satin405,60090,174,000299
SCCI115,60015,910,000299
Share2,195,400376,727,000199
SKS3,409,000355,029,000299
SMILE360,20056,927,000199
SNFL9,4001,779,000199
Sonata Finance158,20022,724,0003101
Spandana533,400147,240,000299
Suryoday78,60014,713,000399
SVCL118,20018,886,000199
Swadhaar92,80017,166,000399
Trident68,7008,852,000199
Ujjivan913,300160,848,000599
Utkarsh168,60025,915,000399
VFS175,40019,264,000299
Asomi50,3004,743,0002131
AES India3,600286,0001131
Arth2,900611,0002131
Asomi50,3004,743,0002131
Barasat GS1,10099,508.021131
BJS6,000468,0001131
Cashpor417,00050,452,0001130
Credible10,0001,669,540.362131
DIBAKAR1,800145,0001130
GOF65,2005,388,0004130
Hope62,6004,407,0001128
Jaago2,700237,0001129
LOK4,900573,0001130
Nano25,6003,660,0002131
NBSAAVS28,1002,821,0001128
Nirantara8,200917,0002130
Parama7,100482,0001130
Pragathi26,2004,579,0006130
PWMACS36,5005,946,0001130
Saadhana90,90012,046,0002130
Sambhav1,500183,0003130
Seba Rahara6,700468,0001130
SU61,1005,498,0001130
Swayanshree7,900918,0002130
Vikas Samiti1,600168,0001130
Vistaar4,3001,157,0002128
We The People1,100244,0002130
WEMCS1,10085,0001130
Yukti1,10099,0002130
Please note that the information you are viewing is 79 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: 79 months

Product

Agricultural Loan Product 1 of 8 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (AZN)AZN 8,650,283
Portfolio (USD)USD 11,090,106.41
Active Clients with Loans11,415
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 activities, such as planting, cattle-breeding, poultry farming,animal husbandry, bee-keeping.
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
CurrencyAZN
Minimum loan sizeAZN 300
Maximum loan size6,000
Distribution at Disbursement (Est.)
Loans less than AZN 1,00050%
AZN 1,000-5,00030%
AZN 5,000-8,00020%
AZN 8,000-11,0000
AZN 11,000-14,0000
Greater than AZN 14,0000
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 (AZN) with interest rate 2,4% for clients who are already in the 10th cycle and for 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 AZN or 2,000 USD Viator shoulders the Credit Bureau Fee of 1 AZN.

Full Pricing Data

Agricultural Loan samples
Sample 1Sample 2
Loan AmountAZN 500AZN 2,300
Loan Cycle (1, 2, 3, etc)Not KnownNot Known
Disbursement Date2014-05-062014-05-08
Loan Term (Months)12.0 months16.0 months
Grace Period (Months)0.0 months0.1 months
Total Cost of CreditAZN 103.35AZN 609.84
True Price by Comp   
Interest price component30.5%30.7%
Fee Component3.9%3.0%
Insurance Component2.0%1.6%
Tax Component0.0%0.0%
Deposit Component0.0%0.0%
Full APR (int fee ins tax dep)36.4%35.3%
Transparency Index7982
    
Original Repayment SchedulePDFPDF
MFT Pricing CalculationPDFPDF
Agricultural Loan Price Graphs


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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