2. FINCA
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  2. Salve
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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

Caritas Salve Credit Cooperative RM. 24 Caritas Bldg., Caritas Manila Compound2002 Jesus St., PandacanManila1011
Data approved: 2011-11-15
Data version: 1
Age of data: 151 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.caritas.org.ph/
Year established2006
Head of InstitutionFr. Mario Castillo CM
Regions active
# Branches19

Total Portfolio (nat'l)PhP 57,042,219.37
Total Portfolio (USD)USD 1,364,646.40
Active clients with loans12,142
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliationsCaritas Manila/United Church Cooperative, Metro South Cooperative Bank, Vincentian Family Multi-Purpose Cooperative, Caritas et labora Human Resource Cooperative
FundersCaritas Manila, Radyo Veritas, Bahay Pari MPC

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

Regular 11
659 Borrowers
USD 62,896.77 Portfolio
Active Product
Regular 15
693 Borrowers
USD 97,589.52 Portfolio
Active Product
Regular 23
9,551 Borrowers
USD 1,031,446.29 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
Regular Loan - 11 weeks PHP 2,000 - 150,000 2.6 80% - 100% 80% - 100% Business Women, Men, Have business Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Life insurance, Values Formation
Regular Loan - 15 weeks PHP 2,000 - 150,000 3.5 80% - 100% 80% - 100% Business Women, Men, Have business Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Regular Loan - 23 weeks PHP 2,000 - 150,000 5.3 80% - 100% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Life insurance, Values Formation, Marketing Assistance, Business Development

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
Regular Loan - 11 weeks 40.0% annual, Flat 1 Fee 1 Ins None 50.00 ongoing 103.1% 108.1% - 118.2% 36
Regular Loan - 15 weeks 37.6% annual, Flat 1 Fee 1 Ins None 50.00 ongoing 92.6% 96.4% - 111.7% 37
Regular Loan - 23 weeks 30.0% annual, Flat 1 Fee 1 Ins None 50.00 ongoing 71.8% 77.5% - 96.2% 36

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
Regular Loan - 11 weeks 40.0% annual, Flat 1 Fee 1 Ins Ins None 50.00 ongoing 103.1% 108.1% - 118.2% 36
Regular Loan - 15 weeks 37.6% annual, Flat 1 Fee 1 Ins Ins None 50.00 ongoing 92.6% 96.4% - 111.7% 37
Regular Loan - 23 weeks 30.0% annual, Flat 1 Fee 1 Ins Ins None 50.00 ongoing 71.8% 77.5% - 96.2% 36
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# Countries
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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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