2. FINCA
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  2. NRDP
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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

National Rural Development Program NRDP Secretariat, Circular Road, Mumtaz ColonyNarowal, Punjab51600
Data approved: 2013-07-23
Data version: 1
Age of data: 125 months

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 addresshttp://www.nrdp.org
Year established1992
Head of InstitutionMirza Moqeem Baig
Regions activePunjab
# Branches5

Total Portfolio (nat'l)PKR 70,423,958
Total Portfolio (USD)USD 718,611.82
Active clients with loans4,799
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliations
FundersPakistan Poverty Alleviation Fund (PPAF), ORIX Leasing Pakistan Ltd.

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

General
4,691 Borrowers
USD 689,122.02 Portfolio
Active Product
Seasonal
387 Borrowers
USD 26,836.73 Portfolio
Active Product
Short Term
13 Borrowers
USD 2,653.06 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 » 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
General Loan PKR 10,000 - 75,000 12 40% - 60% 20% - 40% Business Women, Men, Have business, Specific age group, Productive Loans for legal business (Small) Credit Educ, Group Mtgs, Tech Asst Visits, Business Training
Seasonal Loan PKR 10,000 - 30,000 6 40% - 60% 0% Agriculture Women, Men, Specific age group Credit Educ, Group Mtgs, Tech Asst Visits, Business Training

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
General Loan 20.0% annual, Flat 1 Fee 0 Ins None N/A 38.5% - 38.7% 38.5% - 38.7% N/A
Seasonal Loan 30.0% annual, Flat 1 Fee 0 Ins None N/A 32.3% 32.3% N/A

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
General Loan 20.0% annual, Flat 1 Fee 0 Ins Ins None N/A 38.5% - 38.7% 38.5% - 38.7% N/A
Seasonal Loan 30.0% annual, Flat 1 Fee 0 Ins Ins None N/A 32.3% 32.3% N/A
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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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