Omni Finance | MFIs in Azerbaijan

Encours Brut de Prêts USD, 2011: 2.0 million

Nombre d'emprunteurs actifs 2011: 270

Solde moyen de prêt par emprunteur USD, 2011: 7,552.7

Epargne USD, 2011: 0.0

Actif USD, 2011: —

Nombre d'épargnants 2011: 0

Objectifs:

Mission of the organization is to support SME with competitive low interest rate loans and help poor people to get access to bank products and other financial services.

Contexte et principaux défis:

Omni Finance” LLC is a non banking credit organization that operates in the financial sector of the republic since year 2004. Since its foundation, the organization has established itself in the financial sector as a credit institution providing services at a high level under the title ... En savoir plus

Adresse:

28 Faig Yusifov street

Baku

AZ1052

Azerbaijan

Téléphone:

00994125679927

Fax:

00994125980662

Email:

info [at] omnifinance [dot] az

Site web:

www.omnifinance.az

Principales sources de financement:

Grants

Loans

Shareholder Capital

Produits et Services:

Loans

Leasing

Training and Consulting

Other

Services Offerts:

Full-scale Financial Services

Second-tier Lending to MFIs

Business Development Services

à la recherche de :

Equity

Loans in Local Currency

Loans in USD

Capacity-Building Grants

Donations

Guarantees

Loans in EUR

% des opérations représentant la MF:

91 - 100

Date de création:

Jan 1 2004

Date de fin d'exercice:

31-Dec

Statut légal actuel:

NBFI

réglementé:

yes

Profil de Performance Sociale


+ Détails de la mission
+ Target markets (ranked by importance)
Clients living in urban areas	1
Clients living in rural areas	2
Femmes	3
Adolescents and youth (below 18)	4
+ Development goals (ranked by importance)
Réduction de la pauvreté	1
Accès accru aux services financiers	2
Génération d'emploi	3
Croissance des entreprises existantes	4
Développement d'entreprises "start-up"	5
Opportunités pour les jeunes	6
Egalité des sexes et autonomisation des femmes	7
Habitat	8
Improvement of adult education	9
Scolarisation des enfants	11
Amélioration de la santé	12
+ Poverty targets
Clients très pauvres
Clients pauvres
Clients à faibles revenus
+ Gouvernance
+ Gamme de produits et services
+ Produits et services financiers offerts
+ Credit products offered
Prêts de microcrédit pour les micro-entreprises
Microcredit for household needs/consumption
Prêts aux PME
Prêts agricoles
Prêts au logement

+ Savings products offered
+ Compulsory insurance products required
Compulsory credit life insurance
+ Voluntary insurance products offered
+ Other financial products and services offered
Microleasing
Factoring.
+ Services non financiers offerts
+ Enterprise services offered
+ Education services offered
+ Health services offered
+ Women's empowerment services offered
+ Products and services targeting the poor
Products and services specifically designed to target the poor:
+ Responsabilité sociale envers les clients
+ Principes de protection des clients en usage
The loan approval process requires evaluation of borrower repayment capacity and loan affordability. Loan approval does not rely solely on guarantees (whether peer guarantees, co-signers or collateral) as a substitute for good capacity analysis.
Internal audits check household debt exposure, lending practices that violate procedures including unauthorized re-financing, multiple borrowers or co-signers per household, and other practices that could increase indebtedness.
Productivity targets and incentive systems value portfolio quality at least as highly as other factors, such as disbursement or customer growth. Growth is rewarded only if portfolio quality is high.
Prices, terms and conditions of all financial products are fully disclosed to the customer prior to sale, including interest charges, insurance premiums, minimum balances, all fees, penalties, linked products, third party fees, and whether these can change over time.
Staff is trained to communicate effectively with all customers, ensuring that they understand the product, the terms of the contract, their rights and obligations. Communications techniques address literacy limitations (e.g. reading contracts out loud, materials in local languages).
The organization's corporate culture values and rewards high standards of ethical behavior and customer service.
Customers know how their information will be used. Staff explains how data will be used and seeks permission for use.
+ Coûts des services aux clients
Méthode de l'amortissement dégressif
+ Responsabilité sociale envers le personnel
+ Ressources humaines
Transparency on salary (a clear salary scale based upon market salaries)
Protection au travail (sécurité, anti-harcèlement)
Equality (anti-discrimination, equal pay for men and women with equivalent skill levels)
+ Incitations du personnel liées à la performance sociale
Client retention/drop-out rate
Qualité du portefeuille
+ Responsabilité sociale envers l'environnement
+ Poverty measurement tools in use

Partenariats

Current
Nom	Relation
AMFA	Network Affiliation
Microfinanza Rating	Rating

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Profil de Performance Sociale

Partenariats

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