2. Equity Bank
Please note that the information you are viewing is 134 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Equity Bank Ragati Road, NHIF Building, 14th floorNairobiP.O. Box 75104-00200
Data approved: 2010-09-09
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.equitybank.co.ke/
Year established1984
Head of InstitutionDr. James Mwangi
Regions active0
# Branches112

Total Portfolio (nat'l)KES 62,053,365,859
Total Portfolio (USD)USD 749,436,785.70
Active clients with loans715,969
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Loan Products » Summary

Agriculture
744 Borrowers
USD 3,595,648.99 Portfolio
Active Product
Asset
2,853 Borrowers
USD 34,138,528.90 Portfolio
Active Product
Biashara
33,530 Borrowers
USD 25,319,660.76 Portfolio
Active Product
Business
5,686 Borrowers
USD 157,505,613.60 Portfolio
Active Product
Fedha
107 Borrowers
USD 312,375.81 Portfolio
Active Product
Imara
8,283 Borrowers
USD 9,595,151.44 Portfolio
Active Product
Shaba
32,096 Borrowers
USD 11,064,777.09 Portfolio
Active Product
Farm Input
32,201 Borrowers
USD 9,431,693.48 Portfolio
Active Product
Insurance
5,092 Borrowers
USD 3,343,421.51 Portfolio
Active Product
Vijana
20,739 Borrowers
USD 6,862,289.92 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agricultural Commercial Loan KES 100,000 - 4,000,000,000 1 - 36 40% - 60% 40% - 60% Business, Purchase of farm inputs and farm machinery. Women, Men, Must be in commercial farming for at least one year, Active account with Equity where proceeds are remitted. Credit Ins
Asset Finance Loan KES 100,000 - 4,000,000,000 1 - 48 40% - 60% 40% - 60% Business, Loan specifically used for purchase of assets. Women, Men, Equity Bank customer for at least one month or other bank statement, The asset being purchased is used as security for the loan. Credit Ins
Biashara Imara Loan KES 5,000 - 500,000 1 - 12 40% - 60% 40% - 60% Business Women, Men, Have business, Must have operated the business for more than one year Credit Ins, Tech Asst Visits, Business Training
Business Loan KES 300,000 - 4,000,000,000 1 - 60 40% - 60% 40% - 60% Business Women, Men, Have business, Must have operated the business for at least one year, Must have active account for at least 6 mos with Equity or other bank Credit Ins
Fanikisha - Fedha - Loan KES 300,000 - 1,000,000 1 - 18 80% - 100% 60% - 80% Any Purpose Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training
Fanikisha - Imara - Loan KES 30,000 - 500,000 1 - 18 80% - 100% 40% - 60% Business Women, Have business, Women who lack conventional securities. Credit Ins, Tech Asst Visits, Business Training
Fanikisha - Shaba - Loan KES 1,000 - 300,000 6 - 18 80% - 100% 40% - 60% Business Women Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training
Farm Input Loan KES 1,000 - 100,000 1 - 12 40% - 60% 40% - 60% Business, Purchase of farm inputs Women, Men, Must be in small scale or commercial farming, Active Equity Bank account where agricultural proceeds are remitted Credit Ins
Insurance Premium Finance Loan KES 5,000 - 4,000,000,000 1 - 10 40% - 60% 40% - 60% Can only be used for financing insurance premiums. Women, Men
Vijana Business Loan KES 1,000 - 100,000 1 - 12 40% - 60% 40% - 60% Business Women, Men, Have business, Specific age group, Must have undergone group training through Ministry of Youth or Gender, Must be between 18 and 35 years old Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agricultural Commercial Loan 18.0% annual, Decl Bal 1 Fee 1 Ins None N/A 0% 0% N/A
Asset Finance Loan 8.5% annual, Flat 1 Fee 1 Ins None N/A 0% 0% N/A
Biashara Imara Loan 18.0% annual, Flat 1 Fee 1 Ins None N/A 0% 0% N/A
Business Loan 18.0% annual, Decl Bal 1 Fee 1 Ins None N/A 0% 0% N/A
Fanikisha - Fedha - Loan 18.0% annual, Decl Bal 1 Fee 1 Ins None 10.0% upfront 100.00 ongoing 0% 0% N/A
Fanikisha - Imara - Loan 18.0% annual, Decl Bal 1 Fee 1 Ins None N/A 0% 0% N/A
Fanikisha - Shaba - Loan 18.0% annual, Decl Bal 1 Fee 1 Ins None 10.0% upfront 100.00 ongoing 0% 0% N/A
Farm Input Loan 15.0% annual, Flat 1 Fee 1 Ins None N/A 0% 0% N/A
Insurance Premium Finance Loan 54.0%-90.0% annual, Flat 0 Fees 0 Ins None N/A 0% 0% N/A
Vijana Business Loan 8.0% annual, Flat 0 Fees 1 Ins None 10.0% upfront 100.00 ongoing 0% 0% N/A
Institution Price Graph
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  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

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