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 |
Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | http://kwft.org/ |
Year established | 1981 |
Head of Institution | Mwangi Githaiga |
Regions active | 0 |
# Branches | 202 |
Total Portfolio (nat'l) | KES 10,949,251,739 |
Total Portfolio (USD) | USD 132,237,339.80 |
Active clients with loans | 334,188 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 0% - 20% |
Network affiliations | |
Funders |
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 | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Biashara Loan | KES 10,000 - 5,000,000 | 6 - 36 | 60% - 80% | 0% - 20% | Business | Women, Have business | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Health education, Women empowerment | |||||||
Consumer Loan | KES 10,000 - 170,000 | 2 - 18 | 80% - 100% | 0% - 20% | Housing, Consumer | Women, Have business | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Leadership, Women empowerment | |||||||
Elimu Loan | KES 5,000 - 100,000 | 6 - 12 | 80% - 100% | 0% - 20% | Education | Women, Have business, Evidence of school admission/attendance | Group Mtgs | |||||||
Agricultural Loan | KES 100,000 - 5,000,000 | 6 - 36 | 80% - 100% | 0% - 20% | Business | Women, Have business | Tech Asst Visits, Business Training, Other Training, Leadership, Women empowerment | |||||||
Energy Loan | KES 50,000 - 5,000,000 | 6 - 36 | 80% - 100% | 0% - 20% | Business | Women, Have business | Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training, Leadership, Women empowerment | |||||||
Asset Financing Loan | KES 5,000 - 20,000 | 6 - 12 | 80% - 100% | 0% - 20% | Business | Women, Must be willing to set up a viable business | Credit Educ, Group Mtgs, Tech Asst Visits, 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 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Biashara Loan | 18.0%-20.0% annual, Flat | 2 Fees | 0 Ins | None | 10.0% upfront 1.00% ongoing | #N/A | #N/A | N/A | ||||||||
Consumer Loan | 18.0%-20.0% annual, Decl Bal | 2 Fees | 0 Ins | None | 10.0% upfront 1.00% ongoing | #N/A | #N/A | N/A | ||||||||
Elimu Loan | 20.0% annual, Flat | 2 Fees | 0 Ins | None | 10.0% upfront 1.00% ongoing | #N/A | #N/A | N/A | ||||||||
Agricultural Loan | 18.0% annual, Decl Bal | 2 Fees | 0 Ins | None | 10.0% upfront 1.00% ongoing | #N/A | #N/A | N/A | ||||||||
Energy Loan | 18.0% annual, Decl Bal | 2 Fees | 0 Ins | None | 10.0% upfront 1.00% ongoing | #N/A | #N/A | N/A | ||||||||
Asset Financing Loan | 7.9% annual, Flat | 2 Fees | 0 Ins | None | N/A | #N/A | #N/A | N/A |
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 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 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 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Social Business Loan | 28.8% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 31.1% | 32.5% | 89 | ||||||||
Agricultural Loan USD | 28.8%-34.8% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 33.4% | 34.9% | 83 | ||||||||
Micro-Business Loan USD | 28.8%-34.8% annual, Decl Bal | 1 Fee | 1 Ins 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 Ins | None | N/A | 32.6% | 34% | 85 | ||||||||
Social Business Loan USD | 28.8% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | N/A | 31.1% | 32.5% | 89 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Biashara Loan | 18.0%-20.0% annual, Flat | 2 Fees | 0 Ins Ins | None | 10.0% upfront 1.00% ongoing | #N/A | #N/A | N/A | ||||||||
Consumer Loan | 18.0%-20.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | 10.0% upfront 1.00% ongoing | #N/A | #N/A | N/A | ||||||||
Elimu Loan | 20.0% annual, Flat | 2 Fees | 0 Ins Ins | None | 10.0% upfront 1.00% ongoing | #N/A | #N/A | N/A | ||||||||
Agricultural Loan | 18.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | 10.0% upfront 1.00% ongoing | #N/A | #N/A | N/A | ||||||||
Energy Loan | 18.0% annual, Decl Bal | 2 Fees | 0 Ins Ins | None | 10.0% upfront 1.00% ongoing | #N/A | #N/A | N/A | ||||||||
Asset Financing Loan | 7.9% annual, Flat | 2 Fees | 0 Ins Ins | None | N/A | #N/A | #N/A | N/A |
Key Statistics | |
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# 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 |
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