2. Equitas
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  2. FINCA
Please note that the information you are viewing is 115 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Equitas 4th Floor, Temple Tower, 672 Anna Salai, NandanamChennai, Tamil Nadu600035
Data approved: 2011-01-05
Data version: 1
Age of data: -   months 
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Institution

FINCA J. Jabbarli str. 44Baku, AzerbaijanAZ 1065
Data approved: 2014-10-10
Data version: 3
Age of data: 115 months
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Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addressN/A
Year established2007
Head of InstitutionPN Vasudevan
Regions active0
# Branches200

Total Portfolio (nat'l)INR 7,037,928,578
Total Portfolio (USD)USD 156,398,412.80
Active clients with loans880,000
Approximate % female clients80% - 100%
Approximate % urban clients80% - 100%
Network affiliations

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.fincaazerbaijan.com/
Year established1998
Head of InstitutionTimothy Tarrant
Regions activeAbsheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Orta Kur, Daglig-Shirvan, Nakhichevan
# Branches65

Total Portfolio (nat'l)AZN 182,019,860
Total Portfolio (USD)USD 233,358,794.90
Active clients with loans153,070
Approximate % female clients20% - 40%
Approximate % urban clients20% - 40%
Network affiliationsFINCA International
FundersResponsiAbility, PASHA Bank, Triodos, EBRD

Loan Products » Summary

Additional Micro Credit - Upcountry
50,591 Borrowers
USD 2,282,825 Portfolio
Active Product
Additional Micro credit -Metro
37,675 Borrowers
USD 1,380,675 Portfolio
Active Product
Additional Micro-Credit
94,472 Borrowers
USD 2,842,053 Portfolio
Active Product
Gurukul Loan
81 Borrowers
USD 6,139 Portfolio
Active Product
Primary Loans - Metro
33,216 Borrowers
USD 40,847,585 Portfolio
Active Product
Primary loans - Rural
22,518 Borrowers
USD 4,897,557 Portfolio
Active Product
Primary Loans - Upcountry
645,050 Borrowers
USD 98,593,250 Portfolio
Active Product
Primary Loans
1,321,784 Borrowers
USD 186,370,484 Portfolio
Active Product
Second cycle loan - Metro
13,532 Borrowers
USD 4,041,455 Portfolio
Active Product
Second Cycle Loan - Upcountry
1,959 Borrowers
USD 643,923 Portfolio
Active Product
2nd Cycle
74,194 Borrowers
USD 20,144,662 Portfolio
Active Product
Shiksha Loan
1,423 Borrowers
USD 20,212 Portfolio
Active Product
3rd Cycle
0 Borrowers
Portfolio
Active Product
Vidya loan - Metro
12,093 Borrowers
USD 624,206 Portfolio
Active Product
Vidya loan - Upcountry
50,784 Borrowers
USD 3,086,936 Portfolio
Active Product
Vidya Loan
98,753 Borrowers
USD 3,225,319 Portfolio
Active Product

Loan Products » Summary

Group USD
184 Borrowers
USD 194,380.77 Portfolio
Active Product
Rural USD
539 Borrowers
USD 487,497.44 Portfolio
Active Product
Express
8,462 Borrowers
USD 38,015,232.05 Portfolio
Active Product
SME USD
111 Borrowers
USD 3,922,617.95 Portfolio
Active Product
Individual
3,408 Borrowers
USD 4,924,783.33 Portfolio
Active Product
Sol AZN
9,633 Borrowers
USD 9,844,696.15 Portfolio
Active Product
Rural AZN
33,876 Borrowers
USD 35,009,716.67 Portfolio
Active Product
Express
34,913 Borrowers
USD 60,170,755.13 Portfolio
Active Product
Agri AZN
1,728 Borrowers
USD 4,984,083.33 Portfolio
Active Product
Individual
61,742 Borrowers
USD 75,577,229.49 Portfolio
Active Product
Agri USD
73 Borrowers
USD 155,901.28 Portfolio
Low Volume Product
SME AZN
3 Borrowers
USD 71,901.28 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
Additional Micro Credit - Upcountry INR 3,000 - 3,000 12 80% - 100% 80% - 100% Business Women, Have business Credit Educ, Group Mtgs, Credit Ins
Additional Micro credit -Metro INR 3,000 - 3,000 12 80% - 100% 80% - 100% Business Women, Have business Credit Educ, Group Mtgs, Credit Ins
Additional Micro-Credit INR 3,000 - 3,000 6 - 9 80% - 100% 80% - 100% Business Women, Have business Credit Educ, Group Mtgs, Credit Ins
Gurukul Loan INR 3,035 - 6,000 12 80% - 100% 80% - 100% Education Women, Have business, if the business is run by the client's husband; and the client has an active role in the day-to-day Group Mtgs
Primary Loans - Metro INR 10,100 - 15,000 23 - 24 80% - 100% 80% - 100% Business Women, Have business, either client runs business or husband runs busines Credit Educ, Group Mtgs, Credit Ins
Primary loans - Rural INR 10,100 - 15,000 23 - 24 80% - 100% 0% - 20% Business Women, Have business, Either client runs business or husband runs business Credit Educ, Group Mtgs, Credit Ins
Primary Loans - Upcountry INR 10,100 - 15,000 23 - 24 80% - 100% 80% - 100% Business Women, Have business, Either client runs business or husband runs business Credit Educ, Group Mtgs, Credit Ins
Primary Loans INR 10,100 - 12,000 24 80% - 100% 80% - 100% Business Women, Have business, either client runs business or husband runs business and the client has an active role Credit Educ, Group Mtgs, Credit Ins
Second cycle loan - Metro INR 10,100 - 17,500 18 - 24 80% - 100% 80% - 100% Business Women, Have business Credit Educ, Group Mtgs, Credit Ins
Second Cycle Loan - Upcountry INR 10,100 - 17,500 18 - 24 80% - 100% 80% - 100% Business Women, Have business Credit Educ, Group Mtgs, Credit Ins
Second Cycle Loan INR 10,100 - 17,500 18 - 24 80% - 100% 80% - 100% Business Women, Have business Credit Educ, Group Mtgs, Credit Ins
Shiksha Loan INR 750 - 5,000 12 80% - 100% 80% - 100% Education Women, Have business, if the business is run by the client's husband; and the client has an active role in the day-to-day
Third Cycle Loan INR 10,100 - 15,000 24 80% - 100% 0% Business Women, Have business Credit Educ, Group Mtgs
Vidya loan - Metro INR 3,000 - 3,000 12 80% - 100% 80% - 100% Education Women, Have business Credit Educ, Group Mtgs, Credit Ins
Vidya loan - Upcountry INR 3,000 - 3,000 12 80% - 100% 80% - 100% Education Women, Have business Group Mtgs, Credit Ins
Vidya Loan INR 3,000 - 3,000 12 80% - 100% 80% - 100% Education Women, Have business Credit Educ, Group Mtgs, Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Solidarity Credit Group (USD) USD 50 - 3,000 4 - 18 20% - 40% 60% - 80% Any Purpose Women, Men, Have business
Rural loan Product (USD) USD 50 - 3,000 6 - 18 40% - 60% 0% - 20% Business, Housing, Consumer Women, Men, Have business, Must have two active cash streams
Express Loan (USD) USD 100 - 25,000 3 - 36 0% - 20% 40% - 60% Business Women, Men, Have business
SME Loan (USD) USD 5,000 - 100,000 3 - 60 0% - 20% 60% - 80% Business Women, Men, Have business
Individual Rural Loan (USD) USD 100 - 10,000 6 - 24 20% - 40% 0% - 20% Business, Agriculture Women, Men, Have business
Solidarity Credit Group (AZN) AZN 50 - 2,400 4 - 18 40% - 60% 60% - 80% Business, Housing, Consumer Women, Men, Have business, Have home or land
Rural Loan Product (AZN) AZN 50 - 2,400 6 - 24 20% - 40% 0% - 20% Business, Housing, Consumer Women, Men, Have business
Express Loan (AZN) AZN 100 - 20,000 3 - 36 0% - 20% 40% - 60% Business Women, Men, Have business
Agriculture loan (AZN) AZN 1,000 - 16,000 3 - 24 0% - 20% 0% - 20% Business, Agriculture Women, Men, Have business
Individual Rural Loan (AZN) AZN 100 - 8,000 3 - 36 20% - 40% 0% - 20% Business, Agriculture Women, Men, Have business
Agriculture Loan (USD) USD 100 - 20,000 3 - 24 0% - 20% 0% - 20% Agriculture Women, Men, Have business
SME Loan (AZN) AZN 4,000 - 80,000 3 - 60 0% - 20% 40% - 60% Business Women, Men, Have business

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Additional Micro Credit - Upcountry 0% 25.7% 26.5% N/A
Additional Micro credit -Metro 0% 0% 0% N/A
Additional Micro-Credit 0% 0% 0% N/A
Gurukul Loan 0% 20.1% - 21.2% 20.1% - 21.2% N/A
Primary Loans - Metro 0% 0% 0% N/A
Primary loans - Rural 0% 28.5% 29.4% N/A
Primary Loans - Upcountry 0% 27.5% 28.4% N/A
Primary Loans 0% 0% 0% N/A
Second cycle loan - Metro 0% 0% 0% N/A
Second Cycle Loan - Upcountry 0% 27.5% 28.4% N/A
Second Cycle Loan 0% 0% 0% N/A
Shiksha Loan 0% 20.9% - 22% 20.9% - 22% N/A
Third Cycle Loan 0% 0% 0% N/A
Vidya loan - Metro 0% 24.5% 25.3% N/A
Vidya loan - Upcountry 0% 25.7% 26.5% N/A
Vidya Loan 0% 0% 0% N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Additional Micro Credit - Upcountry 25.5% annual, Decl Bal 1 Fee 0 Ins None N/A 25.7% 26.5% 96
Additional Micro credit -Metro 24.5% annual, Decl Bal 1 Fee 0 Ins None N/A 0% 0% N/A
Additional Micro-Credit 25.3%-26.3% annual, Decl Bal 0 Fees 0 Ins None N/A 0% 0% N/A
Gurukul Loan 21.0% annual, Decl Bal 0 Fees 0 Ins None N/A 20.1% - 21.2% 20.1% - 21.2% N/A
Primary Loans - Metro 26.5%-28.3% annual, Decl Bal 1 Fee 0 Ins None N/A 0% 0% N/A
Primary loans - Rural 28.5%-30.2% annual, Decl Bal 1 Fee 0 Ins None N/A 28.5% 29.4% 97
Primary Loans - Upcountry 27.5%-29.2% annual, Decl Bal 2 Fees 0 Ins None N/A 27.5% 28.4% 97
Primary Loans 26.0% annual, Decl Bal 1 Fee 0 Ins None N/A 0% 0% N/A
Second cycle loan - Metro 26.5% annual, Decl Bal 1 Fee 0 Ins None N/A 0% 0% N/A
Second Cycle Loan - Upcountry 27.5% annual, Decl Bal 1 Fee 0 Ins None N/A 27.5% 28.4% 97
Second Cycle Loan 26.0% annual, Decl Bal 2 Fees 0 Ins None N/A 0% 0% N/A
Shiksha Loan 21.0% annual, Decl Bal 0 Fees 0 Ins None N/A 20.9% - 22% 20.9% - 22% N/A
Third Cycle Loan 25.4% annual, Decl Bal 1 Fee 1 Ins None N/A 0% 0% N/A
Vidya loan - Metro 24.5% annual, Decl Bal 2 Fees 0 Ins None N/A 24.5% 25.3% N/A
Vidya loan - Upcountry 25.5% annual, Decl Bal 1 Fee 0 Ins None N/A 25.7% 26.5% 96
Vidya Loan 24.5%-26.5% annual, Decl Bal 2 Fees 0 Ins None N/A 0% 0% 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) 29.0%-32.0% annual, Decl Bal 1 Fee 0 Ins None N/A 33.6% - 35.5% 33.6% - 35.5% 84
Rural loan Product (USD) 29.0%-34.0% annual, Decl Bal 1 Fee 0 Ins None N/A 38.5% 38.5% 75
Express Loan (USD) 24.0%-32.0% annual, Decl Bal 1 Fee 0 Ins None N/A 29.4% - 34.3% 29.4% - 34.3% 74
SME Loan (USD) 20.0%-23.0% annual, Decl Bal 1 Fee 0 Ins None N/A 24.9% - 25.7% 24.9% - 25.7% 78
Individual Rural Loan (USD) 26.0%-37.0% annual, Decl Bal 1 Fee 0 Ins None N/A 32.6% - 40.7% 32.6% - 40.7% 71
Solidarity Credit Group (AZN) 26.5%-36.0% annual, Decl Bal 1 Fee 0 Ins None N/A 30.9% - 40.2% 30.9% - 40.2% 77
Rural Loan Product (AZN) 24.5%-37.0% annual, Decl Bal 1 Fee 0 Ins None N/A 28.9% - 42.6% 28.9% - 42.6% 70
Express Loan (AZN) 23.0%-35.0% annual, Decl Bal 1 Fee 0 Ins None N/A 28.7% - 40.6% 28.7% - 40.6% 67
Agriculture loan (AZN) 34.0%-38.0% annual, Decl Bal 1 Fee 0 Ins None N/A 36.3% - 41% 36.3% - 41% 85
Individual Rural Loan (AZN) 24.5%-40.0% annual, Decl Bal 1 Fee 0 Ins None N/A 27.9% - 43% 27.9% - 43% 70
Agriculture Loan (USD) 34.0%-38.0% annual, Decl Bal 1 Fee 0 Ins None N/A 0% 0% N/A
SME Loan (AZN) 20.0%-23.0% annual, Decl Bal 1 Fee 0 Ins None N/A 0% 0% N/A

Loan Products » MFIN India Additional Information

Product Name APR (int) MFIN MFI Earning (Annualised) MFIN Cost to Borrower (Annualised) COMPLIANCE WITH RBI GUIDELINES ON INTEREST METHOD COMPLIANCE WITH RBI GUIDELINES ON PROCESSING FEES COMPLIANCE WITH RBI GUIDELINES ON INSURANCE PREMIUM MFIN Transparency Index
Additional Micro Credit - Upcountry 0% 25.7% 26.5% N/A
Additional Micro credit -Metro 0% 0% 0% N/A
Additional Micro-Credit 0% 0% 0% N/A
Gurukul Loan 0% 20.1% - 21.2% 20.1% - 21.2% N/A
Primary Loans - Metro 0% 0% 0% N/A
Primary loans - Rural 0% 28.5% 29.4% N/A
Primary Loans - Upcountry 0% 27.5% 28.4% N/A
Primary Loans 0% 0% 0% N/A
Second cycle loan - Metro 0% 0% 0% N/A
Second Cycle Loan - Upcountry 0% 27.5% 28.4% N/A
Second Cycle Loan 0% 0% 0% N/A
Shiksha Loan 0% 20.9% - 22% 20.9% - 22% N/A
Third Cycle Loan 0% 0% 0% N/A
Vidya loan - Metro 0% 24.5% 25.3% N/A
Vidya loan - Upcountry 0% 25.7% 26.5% N/A
Vidya Loan 0% 0% 0% N/A
*Please click here for more information

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Additional Micro Credit - Upcountry 25.5% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 25.7% 26.5% 96
Additional Micro credit -Metro 24.5% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 0% 0% N/A
Additional Micro-Credit 25.3%-26.3% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 0% 0% N/A
Gurukul Loan 21.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 20.1% - 21.2% 20.1% - 21.2% N/A
Primary Loans - Metro 26.5%-28.3% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 0% 0% N/A
Primary loans - Rural 28.5%-30.2% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 28.5% 29.4% 97
Primary Loans - Upcountry 27.5%-29.2% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 27.5% 28.4% 97
Primary Loans 26.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 0% 0% N/A
Second cycle loan - Metro 26.5% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 0% 0% N/A
Second Cycle Loan - Upcountry 27.5% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 27.5% 28.4% 97
Second Cycle Loan 26.0% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 0% 0% N/A
Shiksha Loan 21.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 20.9% - 22% 20.9% - 22% N/A
Third Cycle Loan 25.4% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 0% 0% N/A
Vidya loan - Metro 24.5% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 24.5% 25.3% N/A
Vidya loan - Upcountry 25.5% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 25.7% 26.5% 96
Vidya Loan 24.5%-26.5% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 0% 0% 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) 29.0%-32.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 33.6% - 35.5% 33.6% - 35.5% 84
Rural loan Product (USD) 29.0%-34.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 38.5% 38.5% 75
Express Loan (USD) 24.0%-32.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 29.4% - 34.3% 29.4% - 34.3% 74
SME Loan (USD) 20.0%-23.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 24.9% - 25.7% 24.9% - 25.7% 78
Individual Rural Loan (USD) 26.0%-37.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 32.6% - 40.7% 32.6% - 40.7% 71
Solidarity Credit Group (AZN) 26.5%-36.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 30.9% - 40.2% 30.9% - 40.2% 77
Rural Loan Product (AZN) 24.5%-37.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 28.9% - 42.6% 28.9% - 42.6% 70
Express Loan (AZN) 23.0%-35.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 28.7% - 40.6% 28.7% - 40.6% 67
Agriculture loan (AZN) 34.0%-38.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 36.3% - 41% 36.3% - 41% 85
Individual Rural Loan (AZN) 24.5%-40.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 27.9% - 43% 27.9% - 43% 70
Agriculture Loan (USD) 34.0%-38.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 0% 0% N/A
SME Loan (AZN) 20.0%-23.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 0% 0% N/A
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# 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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