2. K-Finance Ltd
Please note that the information you are viewing is 130 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. AccessBank
Please note that the information you are viewing is 171 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

K-Finance Ltd P.O. Box 19111 DSMDAR-ESAALAAM, DAR-ESAALAAM255
Data approved: 2011-12-18
Data version: 1
Age of data: -   months 
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Institution

AccessBank Closed Joint-Stock Company B. Seferoglu Street, 176BakuAZ1000
Data approved: 2012-04-24
Data version: 2
Age of data: 171 months
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Product

Group Loan (Jikw Amue) Product 2 of 2 « Prev | Next »

Product

Micro standard loan (manat) Product 1 of 4 « Prev | Next »

Product Summary

Number borrowers702
Loan Amount (range)TZS 100,000 - 1,100,000
Loan Term (range)6
Other Services (text summary)
Annual Interest & Method48.00%-0.00% annual, Flat
Fees
Insurance
Tax
Comp Dep
Range of pricing 
Interest Price ComponentN/A
Fee Component91.4% - 118.5% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)147.5% - 301.0%
Transparency Index (min/max)16 - 37
Transparency Index (average)23

Product Summary

37,237
AZN 100 - 16,000
1 - 36
27.0%-36.0% annual, Decl Bal
None
None
None
N/A
 
N/A
35.2% - 37.2% (Int+Fee)
0
0
35.2% - 37.2%
61 - 81
74

Product Details

Key Statistics
Outstanding portfolio (TZS)TZS 80,000,000
Portfolio (USD)USD 53,333
Active Clients with Loans702
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Customers with business in groups of thirty, the group members should know each other or having their businesses at the same place/market.\r
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 training
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 institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (AZN)AZN 60,738,838
Portfolio (USD)USD 77,870,305.13
Active Clients with Loans37,237
Approximate % Female Clients20% - 40%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Loan size: up to USD 20 000; maturity: up to 36 months. A wide range of collateral (should be combined). Loans are offered both in foreign and local currency. Loan processing procedure takes about 1-2 days.
Loan Purpose
Any purpose
Income generationx
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 businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherCombined collateral
Other (2)Regular stable income
# 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
CurrencyTZS
Minimum loan sizeTZS 100,000
Maximum loan size1,100,000
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term6.0 months
Approx average6.0 months
Distribution at Disbursement (Est.)
Loans 3 months or lessN/A
Between 4 and 6 monthsN/A
Between 7 and 9 monthsN/A
Between 10 and 12 monthsN/A
Between 13 and 18 monthsN/A
Longer than 18 monthsN/A
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyAZN
Minimum loan sizeAZN 100
Maximum loan size16,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term36.0 months
Approx average14.0 months
Grace Period
Grace period usage10%
Average grace period2.0 months
Repayment Frequency
Daily
Weekly
Every 2 weeksx
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 interest4.00%
Highest quoted nominal interest4.00%
Interest rate periodMonthly
Interest Rate Calculation MethodFlat
Subsidized by funder request?N/A
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1Fee 2
DescriptionApplication feeEntrance fee
% of loan amount - min1.00%0
% of loan amount - max1.00%0
OR, Fixed amount - min05,000
Fixed amount - max05,000
Reason for variation
Appears on Repayment Sched?NoNo
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited20.00% - N/A
or, Fixed-amount deposited0 - N/A
Deposits DURING period payments
% loan amount deposited0 - N/A
or, Fixed-amount depositedTZS 2,000 - N/A
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest2.25%
Highest quoted nominal interest3.00%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk, Collateral, credit history
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
N/A

Full Pricing Data

Group Loan (Jikw Amue) samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountTZS 100,000TZS 200,000TZS 500,000TZS 1,100,000
Loan Cycle (1, 2, 3, etc)1124
Disbursement Date2013-02-012013-02-082013-01-212013-02-05
Loan Term (Months)5.8 months5.8 months5.8 months5.8 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 Component118.5%105.8%91.4%96.5%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component182.5%100.3%56.1%54.6%
Full APR (int fee ins tax dep)301.0%206.1%147.5%151.1%
Transparency Index16233332
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF

Full Pricing Data

Micro standard loan (manat) samples
Sample 1Sample 2Sample 3Sample 4Sample 5Sample 6
Loan AmountAZN 300AZN 800AZN 1,600AZN 3,100AZN 6,000AZN 10,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2011-08-102011-08-102011-08-102011-08-102011-08-102011-08-10
Loan Term (Months)12.0 months12.0 months12.0 months12.0 months12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp           
Interest and Fee Component37.2%37.2%37.2%37.2%35.2%35.2%
Insurance Component0.0%0.0%0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)37.2%37.2%37.2%37.2%35.2%35.2%
Transparency Index737373737777
            
Original Repayment SchedulePDFPDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDFPDF
Group Loan (Jikw Amue) Price Graphs


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Micro standard loan (manat) 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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