2. FINCA
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Institution

FINCA J. Jabbarli str. 44Baku, AzerbaijanAZ 1065
Data approved: 2012-04-10
Data version: 2
Age of data: -   months 
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Institution

The Centre for Community Organisation and Development Head OfficeLilongwePO Box 2109
Data approved: 2012-12-04
Data version: 2
Age of data: 137 months
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.fincaazerbaijan.com/
Year established1998
Head of InstitutionManish Sane
Regions activeAbsheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Daglig-Shirvan, Nakhichevan, Nagorno-Karabakh Republic
# Branches26

Total Portfolio (nat'l)AZN 103,951,782
Total Portfolio (USD)USD 133,271,515.40
Active clients with loans116,410
Approximate % female clients20% - 40%
Approximate % urban clients20% - 40%
Network affiliationsFINCA International
FundersResponsiAbility, Oikocredit, TripleJump, EBRD

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addressN/A
Year established2003
Head of InstitutionSiku Nkhoma
Regions activeDedza, Dowa, Kasungu, Lilongwe, Ntcheu, Salima, ChitipaKaronga, Mzimba, Nkhata Bay, Rumphi, Balaka, Blantyre, Chikwawa, Chiradzulu, Machinga, Mulanje
# Branches1

Total Portfolio (nat'l)MWK 250,550,466.50
Total Portfolio (USD)USD 642,437.09
Active clients with loans2,351
Approximate % female clients80% - 100%
Approximate % urban clients60% - 80%
Network affiliationsSlum Dwellers International, MAMN, Malawi Homeless People's Federation
FundersSlum Dwellers International, Homeless International, African Development Bank, WASTE

Loan Products » Summary

Sol USD
6,008 Borrowers
USD 3,279,398 Portfolio
Active Product
Rural USD
12,911 Borrowers
USD 6,743,150 Portfolio
Active Product
Express
23,007 Borrowers
USD 28,297,182 Portfolio
Active Product
SME
1,403 Borrowers
USD 9,060,216 Portfolio
Active Product
Commercial
416 Borrowers
USD 876,783 Portfolio
Active Product
Individual
5,921 Borrowers
USD 4,366,613 Portfolio
Active Product
Sol AZN
17,097 Borrowers
USD 16,661,788.46 Portfolio
Active Product
Rural AZN
49,546 Borrowers
USD 48,297,743.59 Portfolio
Active Product

Loan Products » Summary

Business
139 Borrowers
USD 2,375.73 Portfolio
Active Product
Home
334 Borrowers
USD 4,065.71 Portfolio
Active Product
Sanitation
870 Borrowers
USD 132,828.60 Portfolio
Active Product
Water
255 Borrowers
USD 14,796.76 Portfolio
Active Product
Home Loan
Retired 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 - 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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Business Loan MWK 10,000 - 10,000 6 80% - 100% 80% - 100% Business, Can only be used for working capital Women, Men, Must be a member of the Malawi Homeless People's Federation. Business Training
Home Improvement Loan MWK 20,000 - 20,000 24 80% - 100% 80% - 100% Housing Women, Men, Must be a member of the Malawi Homeless People's Federation
Sanitation Loan MWK 40,000 - 100,000 24 80% - 100% 80% - 100% Sanitation Women, Men, Residents from the peri urban areas
Water Loan MWK 18,000 - 120,000 24 60% - 80% 80% - 100% water supply Women, Men, Residents from the peri urban areas

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) 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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 24.00% annual, Decl Bal 0 Fees 0 Ins None 10.00% upfront 16.8% 16.8% 100
Home Improvement Loan 12.00% annual, Decl Bal 0 Fees 0 Ins None 10.00% upfront 10.9% 10.9% 100
Sanitation Loan 12.00% annual, Decl Bal 0 Fees 0 Ins None 10.00% upfront 10.9% 10.9% 100
Water Loan 12.00% annual, Decl Bal 0 Fees 0 Ins None 10.00% upfront 10.9% - 11% 10.9% - 11% 100

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) 33.0%-36.0% annual, Decl Bal 1 Fee 0 Ins 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 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 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 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 Ins None N/A 46.6% - 47% 46.6% - 47% 87
Individual Rural Loan (USD) 45.6% annual, Decl Bal 1 Fee 0 Ins 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 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 Ins None N/A 49.9% - 52% 49.9% - 52% 81

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 24.00% annual, Decl Bal 0 Fees 0 Ins Ins None 10.00% upfront 16.8% 16.8% 100
Home Improvement Loan 12.00% annual, Decl Bal 0 Fees 0 Ins Ins None 10.00% upfront 10.9% 10.9% 100
Sanitation Loan 12.00% annual, Decl Bal 0 Fees 0 Ins Ins None 10.00% upfront 10.9% 10.9% 100
Water Loan 12.00% annual, Decl Bal 0 Fees 0 Ins Ins None 10.00% upfront 10.9% - 11% 10.9% - 11% 100
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