Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://www.oromiamicrofinance.com/ |
Year established | 1997 |
Head of Institution | Teshome Kebede |
Regions active | |
# Branches | 242 |
Total Portfolio (nat'l) | ETB 1,280,000,000 |
Total Portfolio (USD) | USD 69,565,217.39 |
Active clients with loans | 503,000 |
Approximate % female clients | 20% - 40% |
Approximate % urban clients | 0% - 20% |
Network affiliations | AEMFI |
Funders | Care International, Catholic Relief Services, A Glimmer of Hope, CIDR |
Institution Type | Bank |
Is this institution regulated? | Yes |
Website address | http://www.demirbank.az |
Year established | 1989 |
Head of Institution | Mr. Roman Amirjanov |
Regions active | Absheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Orta Kur, Daglig-Shirvan |
# Branches | 33 |
Total Portfolio (nat'l) | AZN 312,868,936 |
Total Portfolio (USD) | USD 401,114,020.50 |
Active clients with loans | 101,940 |
Approximate % female clients | 20% - 40% |
Approximate % urban clients | 40% - 60% |
Network affiliations | AzerCbaijan Banks Assosiation, AMFA, Mix Market |
Funders | EBRD, GAF, BSTDP, FMO |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Loan | ETB 1,900 - 5,000 | 12 | 20% - 40% | 0% - 20% | Business, Agriculture | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training | |||||||
Micro & Small Enterprise Loan | ETB 10,000 - 120,000 | 12 - 60 | 20% - 40% | 80% - 100% | Any Purpose | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training | |||||||
Urban Petty Trading Loan | ETB 2,000 - 5,000 | 4 - 12 | 80% - 100% | 80% - 100% | Business | Women, Men | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash Loan | AZN 500 - 10,000 | 3 - 36 | 20% - 40% | 40% - 60% | Any Purpose | Women, Men, Have business, Salaried worker | Credit Ins | |||||||
Employee loan | AZN 300 - 6,000 | 3 - 36 | 20% - 40% | 40% - 60% | Any Purpose | Women, Men, Salaried worker | Credit Ins |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Loan | 10.0%-15.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0% upfront | 13.4% - 19.3% | 15.7% - 22.6% | 54 | ||||||||
Micro & Small Enterprise Loan | 10.0% annual, Flat | 1 Fee | 0 Ins | None | 20.00 ongoing | 21.8% | 21.8% | 46 | ||||||||
Urban Petty Trading Loan | 10.0%-15.0% annual, Flat | 1 Fee | 1 Ins | None | 10.0% upfront | 23.8% - 31.2% | 30.4% - 39.3% | 31 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash Loan | 28.0%-34.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 29% - 37% | 30.5% - 43.6% | 68 | ||||||||
Employee loan | 28.0%-34.0% annual, Decl Bal | 2 Fees | 1 Ins | None | N/A | 33% - 36.1% | 34.8% - 42.7% | 75 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agriculture Loan | 10.0%-15.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 10.0% upfront | 13.4% - 19.3% | 15.7% - 22.6% | 54 | ||||||||
Micro & Small Enterprise Loan | 10.0% annual, Flat | 1 Fee | 0 Ins Ins | None | 20.00 ongoing | 21.8% | 21.8% | 46 | ||||||||
Urban Petty Trading Loan | 10.0%-15.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 10.0% upfront | 23.8% - 31.2% | 30.4% - 39.3% | 31 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash Loan | 28.0%-34.0% annual, Decl Bal | 2 Fees | 1 Ins Ins | None | N/A | 29% - 37% | 30.5% - 43.6% | 68 | ||||||||
Employee loan | 28.0%-34.0% annual, Decl Bal | 2 Fees | 1 Ins Ins | None | N/A | 33% - 36.1% | 34.8% - 42.7% | 75 |
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