| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.viator-az.com |
| Year established | 1998 |
| Head of Institution | Abraham Vencent Asgapo |
| Regions active | Ganja-Qazakh, Shaki-Zaqatala |
| # Branches | 6 |
| Total Portfolio (nat'l) | AZN 15,994,615 |
| Total Portfolio (USD) | USD 20,505,916.67 |
| Active clients with loans | 19,567 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | AMFA (Azerbaijan MicroFinance Assosiation), MIX Market, MFC (Microfinance Center) |
| Funders | Incofin Investment Management, Grameen Credit Agricole Foundation, ConCap, Symbiotics |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Loan | AZN 300 - 6,000 | 3 - 18 | 20% - 40% | 40% - 60% | Agriculture | Women, Men, Have business | Business Training, Other Training | |||||||
| Micro-Business Loan | AZN 300 - 3,000 | 3 - 18 | 20% - 40% | 40% - 60% | Business | Women, Men, Have business | Business Training, Other Training | |||||||
| Small Enterprise Loan | AZN 3,000 - 8,000 | 3 - 18 | 20% - 40% | 40% - 60% | Business | Women, Men, Have business | Business Training, Other Training | |||||||
| Social Business Loan | AZN 3,000 - 8,000 | 3 - 18 | 20% - 40% | 40% - 60% | Business | Women, Men, Have business | Business Training, Other Training | |||||||
| Agricultural Loan USD | USD 400 - 8,000 | 3 - 18 | 20% - 40% | 40% - 60% | Agriculture | Women, Men, Have business | Business Training, Other Training | |||||||
| Micro-Business Loan USD | USD 400 - 4,000 | 3 - 18 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | Business Training, Other Training | |||||||
| Small Enterprise Loan USD | USD 4,000 - 10,000 | 3 - 18 | 20% - 40% | 40% - 60% | Business | Women, Men, Have business | Business Training, Other Training | |||||||
| Social Business Loan USD | USD 4,000 - 10,000 | 3 - 18 | 20% - 40% | 40% - 60% | Business | Women, Men, Have business | Business Training, Other Training |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Agricultural Loan | 28.8%-34.8% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 33.7% - 34.4% | 35.3% - 36.4% | 80 | ||||||||
| Micro-Business Loan | 28.8%-34.8% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 34.5% - 34.6% | 36.5% - 36.6% | 79 | ||||||||
| Small Enterprise Loan | 28.8%-34.8% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 0% | 0% | N/A | ||||||||
| Social Business Loan | 28.8% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 31.1% | 32.5% | 89 | ||||||||
| Agricultural Loan USD | 28.8%-34.8% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 33.4% | 34.9% | 83 | ||||||||
| Micro-Business Loan USD | 28.8%-34.8% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 33.5% - 34.7% | 34.9% - 36.7% | 80 | ||||||||
| Small Enterprise Loan USD | 28.8%-34.8% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 32.6% | 34% | 85 | ||||||||
| Social Business Loan USD | 28.8% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 31.1% | 32.5% | 89 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| KBL | 468,300 | 120,082,000 | 16 | 102 |
| KF | 233,600 | 41,416,000 | 4 | 101 |
| NRSP | 399,900 | 70,157,000 | 3 | 102 |
| ASA | 230,400 | 29,637,000 | 3 | 102 |
| TMFB | 221,200 | 85,449,000 | 7 | 102 |
| FMFB | 163,544 | 38,481,323 | 9 | 120 |
| TRDP | 100,000 | 13,817,000 | 3 | 102 |
| PRSP | 75,656 | 9,907,176 | 3 | 120 |
| BRAC^P | 57,300 | 11,869,000 | 3 | 102 |
| SRSO | 51,100 | 7,775,000 | 3 | 102 |
| SSF | 46,000 | 4,776,000 | 3 | 102 |
| FINCA | 82,000 | 43,559,000 | 9 | 102 |
| JWS | 36,000 | 6,545,000 | 2 | 102 |
| RCDS | 35,552 | 4,856,122 | 4 | 120 |
| DAMEN | 35,185 | 7,150,864 | 1 | 120 |
| FFO | 22,400 | 3,335,000 | 3 | 102 |
| OLP | 21,400 | 3,510,000 | 3 | 102 |
| CSC | 17,600 | 3,147,000 | 1 | 102 |
| AMRDO | 13,800 | 1,206,000 | 5 | 102 |
| WMBL | 13,800 | 6,105,000 | 3 | 102 |
| Mojaz | 13,400 | 2,415,000 | 2 | 102 |
| SDF | 11,500 | 1,041,000 | 4 | 102 |
| POMFB | 8,500 | 2,795,000 | 4 | 102 |
| OPD | 7,500 | 918,000 | 2 | 102 |
| AGAHE | 7,300 | 797,000 | 2 | 102 |
| NRDP | 6,184 | 1,521,972 | 3 | 120 |
| GBTI | 6,100 | 669,000 | 3 | 120 |
| WASIL | 4,300 | 1,135,000 | 2 | 102 |
| Micro Options | 4,000 | 768,000 | 5 | 102 |
| VDO | 3,900 | 489,000 | 3 | 120 |
| SVDP | 3,900 | 811,000 | 13 | 120 |
| SRDO | 3,500 | 766,000 | 4 | 102 |
| OSDI | 2,000 | 923,000 | 3 | 102 |
| APMBL | 1,800 | 1,401,000 | 3 | 102 |
| BEDF | 1,400 | 209,000 | 3 | 120 |
| KCDO | 800 | 94,000 | 1 | 120 |
| Key Statistics | |
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| % Products using declining balance | |
| % Products with one or more fee | |
| % Products with one or more insurances | |
| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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