2. FINCA
Please note that the information you are viewing is 125 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

FINCA J. Jabbarli str. 44Baku, AzerbaijanAZ 1065
Data approved: 2012-04-10
Data version: 2
Age of data: -   months 
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Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.fincaazerbaijan.com/
Year established1998
Head of InstitutionManish Sane
Regions activeAbsheron, Ganja-Qazakh, Shaki-Zaqatala, Lankaran-Astara, Quba-Khachmaz, Daglig-Shirvan, Nakhichevan, Nagorno-Karabakh Republic
# Branches26

Total Portfolio (nat'l)AZN 103,951,782
Total Portfolio (USD)USD 133,271,515.40
Active clients with loans116,410
Approximate % female clients20% - 40%
Approximate % urban clients20% - 40%
Network affiliationsFINCA International
FundersResponsiAbility, Oikocredit, TripleJump, EBRD

Loan Products » Summary

Sol USD
6,008 Borrowers
USD 3,279,398 Portfolio
Active Product
Rural USD
12,911 Borrowers
USD 6,743,150 Portfolio
Active Product
Express
23,007 Borrowers
USD 28,297,182 Portfolio
Active Product
SME
1,403 Borrowers
USD 9,060,216 Portfolio
Active Product
Commercial
416 Borrowers
USD 876,783 Portfolio
Active Product
Individual
5,921 Borrowers
USD 4,366,613 Portfolio
Active Product
Sol AZN
17,097 Borrowers
USD 16,661,788.46 Portfolio
Active Product
Rural AZN
49,546 Borrowers
USD 48,297,743.59 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Solidarity Credit Group (USD) USD 50 - 2,500 4 - 12 20% - 40% 80% - 100% Business, Housing Women, Men, Have business, Have home or land
Rural loan Product (USD) USD 50 - 2,500 6 - 18 20% - 40% 0% - 20% Business, Housing, Consumer Women, Men, Have business, Have home or land, Must have two active cash streams
Express Loan (USD) USD 100 - 5,000 3 - 24 20% - 40% 80% - 100% Business, Housing, Consumer Women, Men, Have business, Have home or land
SME Loan (USD) USD 5,000 - 50,000 3 - 24 20% - 40% 80% - 100% Business, Housing, Consumer Women, Men, Have business, Have home or land
Agriculture Loan (USD) USD 2,001 - 30,000 3 - 24 20% - 40% 0% - 20% Business, Housing Women, Men, Have business, Have home or land
Individual Rural Loan (USD) USD 100 - 2,000 3 - 12 20% - 40% 0% - 20% Business, Housing, Consumer Women, Men, Have business, Have home or land
Solidarity Credit Group (AZN) AZN 50 - 2,000 4 - 12 20% - 40% 80% - 100% Business, Housing, Consumer Women, Men, Have business, Have home or land
Rural Loan Product (AZN) AZN 50 - 2,000 6 - 18 20% - 40% 80% - 100% Business, Housing, Consumer Women, Men, Have business, Have home or land

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) 33.0%-36.0% annual, Decl Bal 1 Fee 0 Ins None N/A 41.7% - 45.4% 41.7% - 45.4% 75
Rural loan Product (USD) 38.0%-40.0% annual, Decl Bal 1 Fee 0 Ins None N/A 44.7% - 46.7% 44.7% - 46.7% 82
Express Loan (USD) 34.0%-36.0% annual, Decl Bal 1 Fee 0 Ins None N/A 40.3% - 45.4% 40.3% - 45.4% 78
SME Loan (USD) 27.0%-32.0% annual, Decl Bal 1 Fee 0 Ins None N/A 29.5% - 38.5% 29.5% - 38.5% 80
Agriculture Loan (USD) 40.8% annual, Decl Bal 1 Fee 0 Ins None N/A 46.6% - 47% 46.6% - 47% 87
Individual Rural Loan (USD) 45.6% annual, Decl Bal 1 Fee 0 Ins None N/A 51.1% - 51.4% 51.1% - 51.4% 89
Solidarity Credit Group (AZN) 36.0%-39.0% annual, Decl Bal 1 Fee 0 Ins None N/A 44.8% - 47.9% 44.8% - 47.9% 76
Rural Loan Product (AZN) 41.0%-43.0% annual, Decl Bal 1 Fee 0 Ins None N/A 49.9% - 52% 49.9% - 52% 81
Institution Price Graph
Microloan Products offered in USD0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessMultipleLoan PurposeFINCAInstitutionAZ-005-V02-P01AZ-005-V02-P02AZ-005-V02-P03AZ-005-V02-P04AZ-005-V02-P05AZ-005-V02-P06ProductAZCountry2012YearRange Number2Institution Data Version02,0004,0006,0008,00010,00012,000Loan Size (all)0%20%40%Full APR (int fee ins tax dep)> 6,9005,1003,4001,700100Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
Microloan Products offered in AZN0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NBFIInstitution TypeBusinessLoan PurposeFINCAInstitutionAZ-005-V02-P07AZ-005-V02-P08ProductAZCountry2012YearRange Number2Institution Data Version05001,0001,500Loan Size (all)0%20%40%Full APR (int fee ins tax dep)> 24,00018,00012,0006,100600Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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  2. Actuar Tolima
Please note that the information you are viewing is 171 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

CORPORACION ACCION POR EL TOLIMA ACTUAR FAMIEMPRESAS Calle 18 No.6-16Ibague, Tolima
Data approved: 2011-03-15
Data version: 1
Age of data: 171 months

Product

Capital de Trabajo Product 2 of 3 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (COP)COP 6,765,607,158
Portfolio (USD)USD 3,717,366.57
Active Clients with Loans7,186
Approximate % Female Clients60% - 80%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity groupx
Village banking
Self help group
Other
Description
Fortalecer la capacidad actual de la microempresa, mediante la financiación de capital de trabajo, procurando satisfacer sus necesidades específicas, tales como compras, proveedores, sustitución de pasivos, etc.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherCapital de Trabajo
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age groupx
Otherpueden realizar actividades de producción, comercio o servicios.
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyCOP
Minimum loan sizeCOP 300,000
Maximum loan size13,390,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term24.0 months
Approx average12.5 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weeklyx
Every 2 weeksx
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest2.10%
Highest quoted nominal interest2.46%
Reason(s) why interest rate variesTime as Client, Loan Size, Client Risk
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionHonorarios y Comisiones decretada por el Consejo Superior de la Microempresa. Porcentaje no incluye el IVA.
% of loan amount - min4.50%
% of loan amount - max7.50%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
Ins 1
DescriptionAVAL QUE GARANTIZA LA RECUPERACION DEL CAPITAL (FRG)
% of loan amount - min1.35%
% of loan amount - max2.10%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Ongoing Insurance Fees
Ins 1
DescriptionSEGURO DEUDORES Y SEGURO DE VIDA
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min1,210
Fixed amount - max11,400
Reason for variationN/A
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Capital de Trabajo samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountCOP 700,000COP 1,200,000COP 1,500,000COP 3,500,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-03-162011-03-162011-03-162010-09-10
Loan Term (Months)10.0 months12.0 months12.0 months12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component48.2%48.1%48.1%38.4%
Insurance Component7.0%5.5%5.2%5.2%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)55.2%53.6%53.4%43.6%
Transparency Index46474758
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Capital de Trabajo Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeActuar TolimaInstitutionCO-015-V01-P02ProductCOCountry2011YearRange Number1Institution Data Version01,000,0002,000,0003,000,000Loan Size (all)0%20%40%60%Full APR (int fee ins tax dep)> 3,5002,6001,700800100Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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Caps / Zoom options
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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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