| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | N/A |
| Year established | 1992 |
| Head of Institution | Hàseynov Faiq Arif oÄlu |
| Regions active | Absheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Orta Kur |
| # Branches | 25 |
| Total Portfolio (nat'l) | AZN 346,074,466 |
| Total Portfolio (USD) | USD 443,685,212.80 |
| Active clients with loans | 39,120 |
| Approximate % female clients | 0% - 20% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | |
| Funders |
| Institution Type | Cooperative |
| Is this institution regulated? | N/A |
| Website address | N/A |
| Year established | 2003 |
| Head of Institution | Ildephonse Ndaturaniwe |
| Regions active | 0 |
| # Branches | 13 |
| Total Portfolio (nat'l) | RWF 425,781,447 |
| Total Portfolio (USD) | USD 721,663.47 |
| Active clients with loans | 1,912 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 0% - 20% |
| Network affiliations | AMIR |
| Funders | Terrafina, Banque Rwandaise Developpement |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Mikrokredit (AZM) | AZN 200 - 20,000 | 2 - 24 | 20% - 40% | 40% - 60% | Business, Housing, Consumer, Education, Other, Knd tsrràfatÄnÄn inkiÅafÄ | Women, Men, Have business | Business Training |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | RWF 20,000 - 1,000,000 | 3 - 12 | 0% - 20% | 0% - 20% | ||||||||||
| Commerce Loan | RWF 20,000 - 2,000,000 | 3 - 12 | 0% - 20% | 0% - 20% | ||||||||||
| Others Loan | RWF 100,000 - 2,000,000 | 3 - 12 | 0% - 20% | 0% - 20% |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Mikrokredit (AZM) | 23.0%-36.0% annual, Decl Bal | 2 Fees | 0 | None | N/A | 32.2% - 43.6% | 32.2% - 43.6% | 60 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 1.50%-2.00% annual, Decl Bal | 1 Fee | 0 Ins | 19.5% - 29% | 25.6% - 42.7% | |||||||||||
| Commerce Loan | 24.00% annual, Decl Bal | 1 Fee | 0 Ins | 0% - 28.9% | 34.9% - 41.8% | |||||||||||
| Others Loan | 30.00% annual, Decl Bal | 1 Fee | 0 Ins | 0% - 32.8% | 45.9% - 46.9% |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Mikrokredit (AZM) | 23.0%-36.0% annual, Decl Bal | 2 Fees | 0 | None | N/A | 32.2% - 43.6% | 32.2% - 43.6% | 60 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agriculture Loan | 1.50%-2.00% annual, Decl Bal | 1 Fee | 0 Ins Ins | 19.5% - 29% | 25.6% - 42.7% | |||||||||||
| Commerce Loan | 24.00% annual, Decl Bal | 1 Fee | 0 Ins Ins | 0% - 28.9% | 34.9% - 41.8% | |||||||||||
| Others Loan | 30.00% annual, Decl Bal | 1 Fee | 0 Ins Ins | 0% - 32.8% | 45.9% - 46.9% |
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