| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.fincaazerbaijan.com/ |
| Year established | 1998 |
| Head of Institution | Manish Sane |
| Regions active | Absheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Daglig-Shirvan, Nakhichevan, Nagorno-Karabakh Republic |
| # Branches | 26 |
| Total Portfolio (nat'l) | AZN 103,951,782 |
| Total Portfolio (USD) | USD 133,271,515.40 |
| Active clients with loans | 116,410 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | FINCA International |
| Funders | ResponsiAbility, Oikocredit, TripleJump, EBRD |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Solidarity Credit Group (USD) | USD 50 - 2,500 | 4 - 12 | 20% - 40% | 80% - 100% | Business, Housing | Women, Men, Have business, Have home or land | ||||||||
| Rural loan Product (USD) | USD 50 - 2,500 | 6 - 18 | 20% - 40% | 0% - 20% | Business, Housing, Consumer | Women, Men, Have business, Have home or land, Must have two active cash streams | ||||||||
| Express Loan (USD) | USD 100 - 5,000 | 3 - 24 | 20% - 40% | 80% - 100% | Business, Housing, Consumer | Women, Men, Have business, Have home or land | ||||||||
| SME Loan (USD) | USD 5,000 - 50,000 | 3 - 24 | 20% - 40% | 80% - 100% | Business, Housing, Consumer | Women, Men, Have business, Have home or land | ||||||||
| Agriculture Loan (USD) | USD 2,001 - 30,000 | 3 - 24 | 20% - 40% | 0% - 20% | Business, Housing | Women, Men, Have business, Have home or land | ||||||||
| Individual Rural Loan (USD) | USD 100 - 2,000 | 3 - 12 | 20% - 40% | 0% - 20% | Business, Housing, Consumer | Women, Men, Have business, Have home or land | ||||||||
| Solidarity Credit Group (AZN) | AZN 50 - 2,000 | 4 - 12 | 20% - 40% | 80% - 100% | Business, Housing, Consumer | Women, Men, Have business, Have home or land | ||||||||
| Rural Loan Product (AZN) | AZN 50 - 2,000 | 6 - 18 | 20% - 40% | 80% - 100% | Business, Housing, Consumer | Women, Men, Have business, Have home or land |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Solidarity Credit Group (USD) | 33.0%-36.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 41.7% - 45.4% | 41.7% - 45.4% | 75 | ||||||||
| Rural loan Product (USD) | 38.0%-40.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 44.7% - 46.7% | 44.7% - 46.7% | 82 | ||||||||
| Express Loan (USD) | 34.0%-36.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 40.3% - 45.4% | 40.3% - 45.4% | 78 | ||||||||
| SME Loan (USD) | 27.0%-32.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 29.5% - 38.5% | 29.5% - 38.5% | 80 | ||||||||
| Agriculture Loan (USD) | 40.8% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 46.6% - 47% | 46.6% - 47% | 87 | ||||||||
| Individual Rural Loan (USD) | 45.6% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 51.1% - 51.4% | 51.1% - 51.4% | 89 | ||||||||
| Solidarity Credit Group (AZN) | 36.0%-39.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 44.8% - 47.9% | 44.8% - 47.9% | 76 | ||||||||
| Rural Loan Product (AZN) | 41.0%-43.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 49.9% - 52% | 49.9% - 52% | 81 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| Banco Solidario | 79,700 | 221,716,000 | 1 | 164 |
| CEPESIU | 2,000 | 939,000 | 4 | 164 |
| COAC 4 Octubre | 2,200 | 5,771,000 | 2 | 164 |
| COAC Ambato | 1,300 | 16,415,000 | 2 | 164 |
| COAC FondVida | 2,500 | 4,200,000 | 4 | 164 |
| COAC LaBenefica | 2,500 | 8,482,000 | 6 | 164 |
| COAC MCCH | 5,300 | 10,020,000 | 2 | 164 |
| COAC Nacional | 30,700 | 27,129,000 | 2 | 164 |
| COAC San José | 10,400 | 29,133,000 | 5 | 164 |
| COAC SanAntonio | 1,000 | 2,384,000 | 3 | 164 |
| COAC SantaAnita | 2,000 | 2,532,000 | 6 | 164 |
| Codesarrollo | 14,400 | 40,328,000 | 7 | 164 |
| Coop San Miguel | 1,800 | 4,754,000 | 5 | 161 |
| CooP VPR | 700 | 1,052,000 | 4 | 164 |
| Cooprogreso | 7,900 | 32,244,000 | 4 | 164 |
| Credi Fe | 100,900 | 380,039,000 | 4 | 164 |
| D^Miro | 36,900 | 27,692,000 | 9 | 157 |
| DECOF | 2,200 | 705,000 | 2 | 164 |
| Espoir | 62,100 | 21,036,000 | 5 | 164 |
| FODEMI | 28,200 | 12,924,000 | 3 | 164 |
| Fundacion Alternativa | 4,300 | 5,545,000 | 2 | 164 |
| FUNDAMIC | 2,000 | 1,468,000 | 2 | 164 |
| INSOTEC | 7,000 | 6,047,000 | 4 | 164 |
| Luz del Valle | 6,400 | 11,300,000 | 3 | 164 |
| ProCredit | 43,800 | 211,941,000 | 2 | 164 |
| PS Ambato | 5,600 | 2,771,000 | 1 | 164 |
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| % Products with compulsory deposits |
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