Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.fincaazerbaijan.com/ |
Year established | 1998 |
Head of Institution | Timothy Tarrant |
Regions active | Absheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Orta Kur, Daglig-Shirvan, Nakhichevan |
# Branches | 65 |
Total Portfolio (nat'l) | AZN 182,019,860 |
Total Portfolio (USD) | USD 233,358,794.90 |
Active clients with loans | 153,070 |
Approximate % female clients | 20% - 40% |
Approximate % urban clients | 20% - 40% |
Network affiliations | FINCA International |
Funders | ResponsiAbility, PASHA Bank, Triodos, EBRD |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | Yes |
Website address | N/A |
Year established | 1998 |
Head of Institution | Enoque Raimundo Changamo |
Regions active | Maputo Capital, Maputo Province, Gaza, Cabo Delgado |
# Branches | 12 |
Total Portfolio (nat'l) | MZN 91,065,272.39 |
Total Portfolio (USD) | USD 2,995,568.17 |
Active clients with loans | 12,816 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 40% - 60% |
Network affiliations | AMOMIF, MAIN |
Funders | Agencia Francesa de Desenvolvimento AFD, Uniao Europeia, FARE, ADIPSA |
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 |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Credito Individual CCOM | MZN 10,000 - 100,000 | 6 - 12 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business, Have home or land, Salaried worker | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training | |||||||
Credito Individual | MZN 10,000 - 100,000 | 6 - 12 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business, Have home or land, Salaried worker | Credit Educ, Tech Asst Visits, Business Training, Other Training | |||||||
Credito Individual Sem Avalista | MZN 10,000 - 100,000 | 4 - 12 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training | |||||||
Grupo Solidario Pequeno Grupo Micronegocios | MZN 4,000 - 50,000 | 6 - 12 | 40% - 60% | 60% - 80% | Any Purpose | Women, Men, Have business, Have home or land | ||||||||
Grupo Solidario Pequeno Grupo Comercio | MZN 10,000 - 45,000 | 6 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men, Have business, Have home or land, Salaried worker | ||||||||
GSGF Credito a Agricultura | MZN 30 - 100,000 | 8 - 12 | 40% - 60% | 0% - 20% | Agriculture | Women, Men, Have business, Have home or land | Credit Educ, Credit Ins |
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 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Credito Individual CCOM | 54.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 30.0% upfront | 51% - 54.6% | 96.8% - 108% | 53 | ||||||||
Credito Individual | 54.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 12.0% upfront | 51.6% - 53.3% | 66.4% - 69.6% | 79 | ||||||||
Credito Individual Sem Avalista | 54.0% annual, Decl Bal | 1 Fee | 1 Ins | None | None | 53% - 54% | 55.8% - 57.5% | 95 | ||||||||
Grupo Solidario Pequeno Grupo Micronegocios | 54.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 33.3% upfront | 53.9% - 54.5% | 116.5% - 118.1% | 45 | ||||||||
Grupo Solidario Pequeno Grupo Comercio | 54.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 33.3% upfront | 54% - 54.4% | 116.9% - 117.8% | 46 | ||||||||
GSGF Credito a Agricultura | 36.0% annual, Decl Bal | 1 Fee | 1 Ins | None | 20.0% upfront | 33.6% - 34.8% | 42.9% - 45.3% | 82 |
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 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Credito Individual CCOM | 54.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 30.0% upfront | 51% - 54.6% | 96.8% - 108% | 53 | ||||||||
Credito Individual | 54.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 12.0% upfront | 51.6% - 53.3% | 66.4% - 69.6% | 79 | ||||||||
Credito Individual Sem Avalista | 54.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | None | 53% - 54% | 55.8% - 57.5% | 95 | ||||||||
Grupo Solidario Pequeno Grupo Micronegocios | 54.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 33.3% upfront | 53.9% - 54.5% | 116.5% - 118.1% | 45 | ||||||||
Grupo Solidario Pequeno Grupo Comercio | 54.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 33.3% upfront | 54% - 54.4% | 116.9% - 117.8% | 46 | ||||||||
GSGF Credito a Agricultura | 36.0% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 20.0% upfront | 33.6% - 34.8% | 42.9% - 45.3% | 82 |
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