| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.accessbank.az/ |
| Year established | 2002 |
| Head of Institution | Andrew Pospielovsky |
| Regions active | |
| # Branches | 29 |
| Total Portfolio (nat'l) | AZN 354,789,718 |
| Total Portfolio (USD) | USD 454,858,612.80 |
| Active clients with loans | 115,542 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | |
| Funders |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.concernuniversal.org/ |
| Year established | 2000 |
| Head of Institution | Ezikiel Phiri |
| Regions active | Dedza, Dowa, Lilongwe, Ntcheu, Salima, Balaka, Chiradzulu, MachingaMangochi, Mulanje, Nsanje |
| # Branches | 2 |
| Total Portfolio (nat'l) | MWK 231,643,414 |
| Total Portfolio (USD) | USD 593,957.47 |
| Active clients with loans | 48,013 |
| Approximate % female clients | 60% - 80% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | MAMN, The MIX Market |
| Funders | Concern Universal, USAID, UNDP UNCDF through FIMA, Irish Aid |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro standard loan (manat) | AZN 100 - 16,000 | 1 - 36 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business, Combined collateral, Regular stable income | ||||||||
| Micro standard loan (USD) | USD 100 - 20,000 | 1 - 36 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business, Combined collateral, Regular stable income | ||||||||
| Micro Agricultural loan (manat) | AZN 100 - 16,000 | 1 - 36 | 0% - 20% | 0% - 20% | Business | Women, Men, Have business, Borrowers receiving income from agricultural business | ||||||||
| Micro agricultural loan (USD) | USD 100 - 20,000 | 1 - 36 | 0% - 20% | 0% - 20% | Business | Women, Men, Have business, Borrowers receiving income from agricultural business |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fumba (Agricultural Loan) | MWK 10,000 - 50,000 | 6 | 60% - 80% | 0% - 20% | Business, Used for only working capital purpose | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Business Training, Environmental & HIV & AIDS education | |||||||
| Masika (Village Enterprise Loan) | MWK 2,000 - 200,000 | 4 - 6 | 60% - 80% | 0% - 20% | Business, Used for only working capital purpose | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Business Training, Environmental and HIV-AIDS Education |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro standard loan (manat) | 27.0%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 35.2% - 37.2% | 35.2% - 37.2% | 74 | ||||||||
| Micro standard loan (USD) | 27.0%-33.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 33.5% | 33.5% | 81 | ||||||||
| Micro Agricultural loan (manat) | 27.0%-36.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 10.0% upfront | 35.2% - 37.2% | 40.5% - 44.3% | 63 | ||||||||
| Micro agricultural loan (USD) | 27.0%-33.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 10.0% upfront | 35.5% - 37.5% | 40.9% - 44.6% | 63 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fumba (Agricultural Loan) | 60.00% annual, Flat | 1 Fee | 1 Ins | None | 5.00% upfront | 71.1% | 80.3% | 74 | ||||||||
| Masika (Village Enterprise Loan) | 54.00%-72.00% annual, Flat | 1 Fee | 1 Ins | None | 5.00% upfront | 104.4% | 125.1% | 43 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro standard loan (manat) | 27.0%-36.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 35.2% - 37.2% | 35.2% - 37.2% | 74 | ||||||||
| Micro standard loan (USD) | 27.0%-33.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 33.5% | 33.5% | 81 | ||||||||
| Micro Agricultural loan (manat) | 27.0%-36.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 10.0% upfront | 35.2% - 37.2% | 40.5% - 44.3% | 63 | ||||||||
| Micro agricultural loan (USD) | 27.0%-33.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 10.0% upfront | 35.5% - 37.5% | 40.9% - 44.6% | 63 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fumba (Agricultural Loan) | 60.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.00% upfront | 71.1% | 80.3% | 74 | ||||||||
| Masika (Village Enterprise Loan) | 54.00%-72.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.00% upfront | 104.4% | 125.1% | 43 |
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