| 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 |
|---|---|---|---|---|
| AGFS | 200 | 47,000 | 2 | 163 |
| Ahantaman RB | 23,800 | 9,896,000 | 4 | 145 |
| APED | 13,700 | 1,876,000 | 2 | 145 |
| ASA Initiative | 4,400 | 577,000 | 4 | 145 |
| ASA-Ghana | 71,600 | 18,385,000 | 2 | 145 |
| ASPI | 800 | 88,000 | 6 | 145 |
| Atwima Kwanwoma | 3,800 | 1,788,000 | 2 | 145 |
| Baobab | 5,100 | 967,000 | 2 | 145 |
| BestFUND | 13,000 | 4,172,000 | 3 | 145 |
| Bonzali Rural | 10,400 | 1,691,000 | 4 | 163 |
| CashPhase | 83 | 135,000 | 2 | 145 |
| CASUD | 1,100 | 524,000 | 1 | 145 |
| CEDEF | 500 | 54,000 | 4 | 145 |
| CFF | 100 | 13,000 | 1 | 145 |
| CRAN | 3,600 | 1,019,000 | 2 | 145 |
| DQF | 1,700 | 63,000 | 2 | 145 |
| EASL | 9,200 | 11,409,000 | 6 | 145 |
| East Mamprusi | 12,500 | 2,268,000 | 4 | 145 |
| ELDA | 0 | 0 | 0 | 145 |
| EMPRETEC Ghana | 200 | 56,000 | 2 | 145 |
| FASL | 13,500 | 14,047,000 | 8 | 145 |
| Grameen Ghana | 9,500 | 507,000 | 3 | 145 |
| ID-Ghana | 5,600 | 953,000 | 3 | 145 |
| Innovative Finance | 2,700 | 354,000 | 3 | 145 |
| Kraban Support | 7,700 | 781,000 | 5 | 163 |
| KRB | 4,000 | 6,350,000 | 3 | 145 |
| Lower Pra RB | 34,000 | 6,316,000 | 3 | 163 |
| Maata-N-Tudu | 12,000 | 941,000 | 4 | 145 |
| Mail Finance | 300 | 288,000 | 1 | 145 |
| Markaz | 0 | 0 | 0 | 145 |
| Markaz Al Bishara | 100 | 17,000 | 1 | 145 |
| MicrofinPlus Gh | 1,100 | 251,000 | 2 | 145 |
| Nwabiagya RB | 4,000 | 2,265,000 | 3 | 145 |
| OISL | 62,000 | 27,232,000 | 9 | 145 |
| Pro Credit | 0 | 0 | 0 | 145 |
| Rich Step | 100 | 101,000 | 1 | 145 |
| SAT | 147,600 | 29,359,000 | 4 | 145 |
| Sekam Trust | 600 | 137,000 | 2 | 145 |
| Simli Pong | 8,900 | 463,000 | 3 | 163 |
| SS Ghana | 200 | 35,000 | 1 | 145 |
| TCCU | 100 | 32,000 | 3 | 145 |
| The Bridge | 400 | 32,000 | 3 | 163 |
| Union RB | 3,800 | 2,361,000 | 4 | 145 |
| 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 |
|---|---|---|---|---|---|---|---|
