| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.psambato.org/ |
| Year established | 1997 |
| Head of Institution | P. Rodrigo Altamirano |
| Regions active | |
| # Branches | 1 |
| Total Portfolio (nat'l) | USD 2,771,063.27 |
| Total Portfolio (USD) | USD 2,771,063.27 |
| Active clients with loans | 5,692 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | |
| Funders |
| Institution Type | Bank |
| Is this institution regulated? | Yes |
| Website address | http://www.accessbank.az/ |
| Year established | 2002 |
| Head of Institution | Andrew Pospielovsky |
| Regions active | |
| # Branches | 29 |
| Total Portfolio (nat'l) | AZN 354,789,718 |
| Total Portfolio (USD) | USD 454,858,612.80 |
| Active clients with loans | 115,542 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Banco Comunal | USD 50 - 9,200 | 6 - 12 | 80% - 100% | 40% - 60% | Any Purpose | Women, Men, Have business | Group Mtgs, Credit Ins, Other Training, Capacitacion en valores y formacion humana, Capacitacion en salud y estilos de vida, Si existe el fallecimiento de una socia durante el ciclo, la deuda es condonada |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro standard loan (manat) | AZN 100 - 16,000 | 1 - 36 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business, Combined collateral, Regular stable income | ||||||||
| Micro standard loan (USD) | USD 100 - 20,000 | 1 - 36 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business, Combined collateral, Regular stable income | ||||||||
| Micro Agricultural loan (manat) | AZN 100 - 16,000 | 1 - 36 | 0% - 20% | 0% - 20% | Business | Women, Men, Have business, Borrowers receiving income from agricultural business | ||||||||
| Micro agricultural loan (USD) | USD 100 - 20,000 | 1 - 36 | 0% - 20% | 0% - 20% | Business | Women, Men, Have business, Borrowers receiving income from agricultural business |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Banco Comunal | 24.0% annual, Decl Bal | 0 Fees | 0 | None | 10.0% upfront 2.00% ongoing | 24.3% | 24.3% - 31.7% | 81 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro standard loan (manat) | 27.0%-36.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 35.2% - 37.2% | 35.2% - 37.2% | 74 | ||||||||
| Micro standard loan (USD) | 27.0%-33.0% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 33.5% | 33.5% | 81 | ||||||||
| Micro Agricultural loan (manat) | 27.0%-36.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 10.0% upfront | 35.2% - 37.2% | 40.5% - 44.3% | 63 | ||||||||
| Micro agricultural loan (USD) | 27.0%-33.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 10.0% upfront | 35.5% - 37.5% | 40.9% - 44.6% | 63 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Banco Comunal | 24.0% annual, Decl Bal | 0 Fees | 0 | None | 10.0% upfront 2.00% ongoing | 24.3% | 24.3% - 31.7% | 81 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Micro standard loan (manat) | 27.0%-36.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 35.2% - 37.2% | 35.2% - 37.2% | 74 | ||||||||
| Micro standard loan (USD) | 27.0%-33.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 33.5% | 33.5% | 81 | ||||||||
| Micro Agricultural loan (manat) | 27.0%-36.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 10.0% upfront | 35.2% - 37.2% | 40.5% - 44.3% | 63 | ||||||||
| Micro agricultural loan (USD) | 27.0%-33.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 10.0% upfront | 35.5% - 37.5% | 40.9% - 44.6% | 63 |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| N (# of Samples) | ||||||
| Total Borrrowers of Samples | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
