2. FINCA
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  2. Coop Fatima
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Institution

FINCA J. Jabbarli str. 44Baku, AzerbaijanAZ 1065
Data approved: 2014-10-10
Data version: 3
Age of data: 114 months
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Institution

COOPERATIVA DE AHORRO Y CREDITO FATIMA LTDA. CALLE OBISPO PEÑA No 63Santa Cruz, Santa Cruz
Data approved: 2010-10-28
Data version: 1
Age of data: 164 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.fincaazerbaijan.com/
Year established1998
Head of InstitutionTimothy Tarrant
Regions activeAbsheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Orta Kur, Daglig-Shirvan, Nakhichevan
# Branches65

Total Portfolio (nat'l)AZN 182,019,860
Total Portfolio (USD)USD 233,358,794.90
Active clients with loans153,070
Approximate % female clients20% - 40%
Approximate % urban clients20% - 40%
Network affiliationsFINCA International
FundersResponsiAbility, PASHA Bank, Triodos, EBRD

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addresshttp://www.coopfatima.com/
Year established1962
Head of InstitutionOSCAR MANUEL CORONADO ESPINOZA
Regions active
# Branches5

Total Portfolio (nat'l)BOB 259,281,693
Total Portfolio (USD)USD 38,412,102.67
Active clients with loans5,240
Approximate % female clients20% - 40%
Approximate % urban clients80% - 100%
Network affiliationsNacional
Funders

Loan Products » Summary

Group USD
184 Borrowers
USD 194,380.77 Portfolio
Active Product
Rural USD
539 Borrowers
USD 487,497.44 Portfolio
Active Product
Express
8,462 Borrowers
USD 38,015,232.05 Portfolio
Active Product
SME USD
111 Borrowers
USD 3,922,617.95 Portfolio
Active Product
Individual
3,408 Borrowers
USD 4,924,783.33 Portfolio
Active Product
Sol AZN
9,633 Borrowers
USD 9,844,696.15 Portfolio
Active Product
Rural AZN
33,876 Borrowers
USD 35,009,716.67 Portfolio
Active Product
Express
34,913 Borrowers
USD 60,170,755.13 Portfolio
Active Product
Agri AZN
1,728 Borrowers
USD 4,984,083.33 Portfolio
Active Product
Individual
61,742 Borrowers
USD 75,577,229.49 Portfolio
Active Product
Agri USD
73 Borrowers
USD 155,901.28 Portfolio
Low Volume Product
SME AZN
3 Borrowers
USD 71,901.28 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

Credito Oro
141 Borrowers
USD 435,408.15 Portfolio
Active Product
Sola Firma
178 Borrowers
USD 1,272,820.15 Portfolio
Active Product
Personal
3,341 Borrowers
USD 14,039,596.89 Portfolio
Active Product
Hipotecaria
1,565 Borrowers
USD 19,300,714 Portfolio
Active Product
Diaman. -USD
458 Borrowers
USD 3,464,515 Portfolio
Active Product
Cruzada BOB
356 Borrowers
USD 1,465,142.52 Portfolio
Active Product
Vivienda
334 Borrowers
USD 4,302,502 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Solidarity Credit Group (USD) USD 50 - 3,000 4 - 18 20% - 40% 60% - 80% Any Purpose Women, Men, Have business
Rural loan Product (USD) USD 50 - 3,000 6 - 18 40% - 60% 0% - 20% Business, Housing, Consumer Women, Men, Have business, Must have two active cash streams
Express Loan (USD) USD 100 - 25,000 3 - 36 0% - 20% 40% - 60% Business Women, Men, Have business
SME Loan (USD) USD 5,000 - 100,000 3 - 60 0% - 20% 60% - 80% Business Women, Men, Have business
Individual Rural Loan (USD) USD 100 - 10,000 6 - 24 20% - 40% 0% - 20% Business, Agriculture Women, Men, Have business
Solidarity Credit Group (AZN) AZN 50 - 2,400 4 - 18 40% - 60% 60% - 80% Business, Housing, Consumer Women, Men, Have business, Have home or land
Rural Loan Product (AZN) AZN 50 - 2,400 6 - 24 20% - 40% 0% - 20% Business, Housing, Consumer Women, Men, Have business
Express Loan (AZN) AZN 100 - 20,000 3 - 36 0% - 20% 40% - 60% Business Women, Men, Have business
Agriculture loan (AZN) AZN 1,000 - 16,000 3 - 24 0% - 20% 0% - 20% Business, Agriculture Women, Men, Have business
Individual Rural Loan (AZN) AZN 100 - 8,000 3 - 36 20% - 40% 0% - 20% Business, Agriculture Women, Men, Have business
Agriculture Loan (USD) USD 100 - 20,000 3 - 24 0% - 20% 0% - 20% Agriculture Women, Men, Have business
SME Loan (AZN) AZN 4,000 - 80,000 3 - 60 0% - 20% 40% - 60% Business Women, Men, Have business

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Crédito Oro (Bs) BOB 70,000 - 70,000 60 0% - 20% 80% - 100% Any Purpose Women, Men, Have business, Salaried worker Credit Educ, Credit Ins, Tech Asst Visits
CREDITO A SOLA FIRMA BOB 35,000 - 75,000 36 - 60 0% - 20% 80% - 100% Any Purpose Women, Men, Have business, Have home or land, Salaried worker Credit Educ, Credit Ins, Tech Asst Visits
DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL BOB 7,000 - 63,000 36 - 60 40% - 60% 20% - 40% Any Purpose Women, Men, Have business, Salaried worker Credit Educ, Credit Ins, Tech Asst Visits
DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA USD 1,000 - 50,000 24 - 96 0% - 20% 80% - 100% Any Purpose Women, Men, Have business, Have home or land, Salaried worker, Specific age group Credit Educ, Credit Ins, Tech Asst Visits
Diamante - USD USD 1,001 - 15,000 60 40% - 60% 80% - 100% Any Purpose Women, Men, Have business, Have home or land, Salaried worker Credit Educ, Credit Ins, Tech Asst Visits
Garantía Cruzada (Bs.) BOB 7,000 - 35,000 36 - 60 0% - 20% 80% - 100% Any Purpose Women, Men, Salaried worker, Specific age group Credit Educ, Credit Ins, Tech Asst Visits
HIPOTECARIO DE VIVIENDA USD 10,000 - 140,000 120 - 180 0% - 20% 80% - 100% Business, Housing Women, Men, Have business, Have home or land, Salaried worker Credit Educ, Credit Ins, Tech Asst Visits

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Solidarity Credit Group (USD) 29.0%-32.0% annual, Decl Bal 1 Fee 0 Ins None N/A 33.6% - 35.5% 33.6% - 35.5% 84
Rural loan Product (USD) 29.0%-34.0% annual, Decl Bal 1 Fee 0 Ins None N/A 38.5% 38.5% 75
Express Loan (USD) 24.0%-32.0% annual, Decl Bal 1 Fee 0 Ins None N/A 29.4% - 34.3% 29.4% - 34.3% 74
SME Loan (USD) 20.0%-23.0% annual, Decl Bal 1 Fee 0 Ins None N/A 24.9% - 25.7% 24.9% - 25.7% 78
Individual Rural Loan (USD) 26.0%-37.0% annual, Decl Bal 1 Fee 0 Ins None N/A 32.6% - 40.7% 32.6% - 40.7% 71
Solidarity Credit Group (AZN) 26.5%-36.0% annual, Decl Bal 1 Fee 0 Ins None N/A 30.9% - 40.2% 30.9% - 40.2% 77
Rural Loan Product (AZN) 24.5%-37.0% annual, Decl Bal 1 Fee 0 Ins None N/A 28.9% - 42.6% 28.9% - 42.6% 70
Express Loan (AZN) 23.0%-35.0% annual, Decl Bal 1 Fee 0 Ins None N/A 28.7% - 40.6% 28.7% - 40.6% 67
Agriculture loan (AZN) 34.0%-38.0% annual, Decl Bal 1 Fee 0 Ins None N/A 36.3% - 41% 36.3% - 41% 85
Individual Rural Loan (AZN) 24.5%-40.0% annual, Decl Bal 1 Fee 0 Ins None N/A 27.9% - 43% 27.9% - 43% 70
Agriculture Loan (USD) 34.0%-38.0% annual, Decl Bal 1 Fee 0 Ins None N/A 0% 0% N/A
SME Loan (AZN) 20.0%-23.0% annual, Decl Bal 1 Fee 0 Ins None N/A 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito Oro (Bs) 16.0% annual, Decl Bal 1 Fee 0 Ins 24.00 fixed 50.00 upfront 16.9% 17.6% 91
CREDITO A SOLA FIRMA 18.0% annual, Decl Bal 1 Fee 0 Ins 24.00 fixed 50.00 upfront 19% - 19.3% 19.7% - 20.5% 90
DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL 16.0%-18.0% annual, Decl Bal 1 Fee 0 Ins 24.00 fixed 50.00 upfront 16.9% - 19% 17.7% - 25.9% 74
DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA 13.0%-15.0% annual, Decl Bal 2 Fees 0 Ins 3.00 fixed 10.00 upfront 13.9% - 15.9% 14.4% - 22.5% 75
Diamante - USD 16.0% annual, Decl Bal 1 Fee 0 Ins 3.00 fixed 10.0% upfront 16.9% - 17% 17.3% - 17.4% 92
Garantía Cruzada (Bs.) 18.0%-20.0% annual, Decl Bal 1 Fee 0 Ins 24.00 fixed 50.00 upfront 20.7% - 21% 23.9% - 27.8% 71
HIPOTECARIO DE VIVIENDA 10.0%-13.0% annual, Decl Bal 2 Fees 0 Ins 3.00 fixed N/A 13.2% - 13.9% 14.2% - 14.4% 70

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Solidarity Credit Group (USD) 29.0%-32.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 33.6% - 35.5% 33.6% - 35.5% 84
Rural loan Product (USD) 29.0%-34.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 38.5% 38.5% 75
Express Loan (USD) 24.0%-32.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 29.4% - 34.3% 29.4% - 34.3% 74
SME Loan (USD) 20.0%-23.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 24.9% - 25.7% 24.9% - 25.7% 78
Individual Rural Loan (USD) 26.0%-37.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 32.6% - 40.7% 32.6% - 40.7% 71
Solidarity Credit Group (AZN) 26.5%-36.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 30.9% - 40.2% 30.9% - 40.2% 77
Rural Loan Product (AZN) 24.5%-37.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 28.9% - 42.6% 28.9% - 42.6% 70
Express Loan (AZN) 23.0%-35.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 28.7% - 40.6% 28.7% - 40.6% 67
Agriculture loan (AZN) 34.0%-38.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 36.3% - 41% 36.3% - 41% 85
Individual Rural Loan (AZN) 24.5%-40.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 27.9% - 43% 27.9% - 43% 70
Agriculture Loan (USD) 34.0%-38.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 0% 0% N/A
SME Loan (AZN) 20.0%-23.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito Oro (Bs) 16.0% annual, Decl Bal 1 Fee 0 Ins Ins 24.00 fixed 50.00 upfront 16.9% 17.6% 91
CREDITO A SOLA FIRMA 18.0% annual, Decl Bal 1 Fee 0 Ins Ins 24.00 fixed 50.00 upfront 19% - 19.3% 19.7% - 20.5% 90
DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL 16.0%-18.0% annual, Decl Bal 1 Fee 0 Ins Ins 24.00 fixed 50.00 upfront 16.9% - 19% 17.7% - 25.9% 74
DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA 13.0%-15.0% annual, Decl Bal 2 Fees 0 Ins Ins 3.00 fixed 10.00 upfront 13.9% - 15.9% 14.4% - 22.5% 75
Diamante - USD 16.0% annual, Decl Bal 1 Fee 0 Ins Ins 3.00 fixed 10.0% upfront 16.9% - 17% 17.3% - 17.4% 92
Garantía Cruzada (Bs.) 18.0%-20.0% annual, Decl Bal 1 Fee 0 Ins Ins 24.00 fixed 50.00 upfront 20.7% - 21% 23.9% - 27.8% 71
HIPOTECARIO DE VIVIENDA 10.0%-13.0% annual, Decl Bal 2 Fees 0 Ins Ins 3.00 fixed N/A 13.2% - 13.9% 14.2% - 14.4% 70
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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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