Agency for finance in Kosova (AfK) by jsk11664

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									                        Parent Org.              Active loan Portfolio:   Clients:    Main Office:            Areas Covered:                 Methodology:              Loan Products:               Loan Size:                Loan Term:              Interest Rates:                                        Collateral:
       Name:                            As of:                                                                                                                                                                                                                               Fees:




                                                                                                                                                                                                                         SME - up to 60 months
                                                                                                                                                                        SME Loan              200-50,000            200- Agriculture loan - up to
                                                                                                       Peja, Klina, Gjakova, istog,
Agency for finance in                                                                                                                                                Agricultural Loan         15,000              200-         60 months         Agriculture loan                       movable property, minimum 2 guarantors, salary
                        Mercy Corps     Jul-09        6,755,110.00        3,488.00        Peja          Skenderaj, Gorazhdevac,                Individual                                                                                                                    0.0%
   Kosova (AfK)                                                                                                                                                       Consumer Loan           2,500                 200- Consumer loan - up to 2% declining monthly                         agrmment, mortage on shop, houses etc.
                                                                                                     malisheva, Prizren and Suhareka
                                                                                                                                                                       Housing Loan                    2,500             36 months Housing
                                                                                                                                                                                                                         loan - up to 60 months



                                                                                                                                                                                                                                            1st cycle - 2.0%
                                                                                                                                                                                        Less than 3,000     Less      6-24 months        declining          2nd               2%
                                                                                                                                                                                                                                                                                        2 guarantors, collateral                2 guarantors,
                                                                                                     Prishtin, Lipjan, Obiliq, Podujeve,                              Business Loans    than 5,000 Less than        max. 24 months        cycle 1.9% declining                2%
                                                                                                                                                                                                                                                                                           collateral              2 guarantors, collateral
  Beselidhja/Zavet                                                                                     Vushtrri, Gracanica, North &                                  Agriculture Loans     7,000    on cycles    max. 36 months       6- 3rd or highest cycles                2%
                        World Relief    Jul-09        4,272,457.22        2,011.00     Prishtina                                               Individual                                                                                                                                    2 guarantors; Yes collateral              2
   Microfinance                                                                                        South Mitrovica, Istog, Kline,                               Kos Loans     Pedge Less than 3,000-5,000- 24 months,       max.36         1.8%, 1.9%,                    2%
                                                                                                                                                                                                                                                                                           guarantors; collateral,      salary agremment
                                                                                                         Decan, Gjilan, Viti, Ferizaj                                     Loans          7,000        on cycles on cycles           6-      1.8% declining                    2%
                                                                                                                                                                                                                                                                                                  2 guarantors; Morgage collateral.
                                                                                                                                                                                              7,000-25,000             36 months            1.75% declining                  1.5%
                                                                                                                                                                                                                                             1.6% declining

                                                                                                        Prizren , Suharek, Dragash,


                                                                                                       Reqane, Malisheve, Rahovec,                                                                                                                1. 2.0 - 2.25% declining
                                                                                                                                                                                                                                                  monthly                2.
                                                                                                                                                                    1. Group Loans       2.        1. up to 3,000          1. up to 36 months
                                                                                                     Prishtina, Gjakova, Kline, Ferizaj,                                                                                                            1.6 - 2.25% decining
                                                                                                                                                                       Individual Loans           2. up to 70,000           2.up to 48 months
                                                                                                                                           Individual Lending                                                                                     monthly               3.                guaranotors depending on loan size, collateral,
      FINCA               FINCA         Jul-09       16,969,990.59        11,723.00     Prizren                                                                        3. Housing Loans           3. up to 25,000           3.up to 60 months                               1.25-2.0%
                                                                                                                                             Group Lending                                                                                          1.8 - 2.0% declining                         mortgage, solidarity guarantee
                                                                                                      Viti, Peje, Istog, Decan, Gjilan,                                  4. Rural Loans           4. up to 30,000         4. up to 36 months 5.
                                                                                                                                                                                                                                                  4. 2.25 - 3.0 %        5.
                                                                                                                                                                        5. Startup loans          5. up to 10,000            up to 48 months
                                                                                                                                                                                                                                                    2.25-2.5 % declining
                                                                                                     Strpce, Lipjan, Shtime, Kamenice,                                                                                                                     monthly

                                                                                                             Drenas, Skenderaj

                                                                                                                                                                      1) Bussiness and
                                                                                                                                                                       Agriculture - by
                                                                                                                                                                                                                                                1) 1.96 - 2.42%
                                                                                                                                                 Village            Cycles              2) 1) 100 - 5,000      by
                                                                                                                                                                                                                         1) 3 - 36 month       declining 2) 2%
                                                                                                     Prishtina,                  Lipjan,       Association            Household Loan      Cycles              2) 50 -                                                                   One up Three Guarantorswith Salary Deduction or
     KosInvest          World Vision    Jul-09        2,397,211.00        2,229.00     Prishtina                                                                                                                      Grace period 6 months declining            3)          2.50%
                                                                                                                  Rahovec                     (Rural Areas)          3) Micro and Small    700          3) 5,000 -                                                                            with Collateral for all Loan Products
                                                                                                                                                                                                                         2) 3 - 12 months   1.92 - 2.17% declining
                                                                                                                                            Individual Loans          Enterprise ( MSE)     7,000 4) 200 - 600
                                                                                                                                                                                                                        3) 20 - 36 months     4) 1.83% declining
                                                                                                                                                                     4) Women Headed
                                                                                                                                                                                                                      Grace period 6 months
                                                                                                                                                                         Household
                                                                                                                                                                                                                         4) 3 - 12 months

                                                                                                                                                                                                                                                                                        Movable&Immovable collateral depending on loan
                                                                                                                                                                                                  1) 300 - 50,000            6 - 36 months        1.3% - 1% flat monthly     1.5%
                                                                                                                                                                                                                                                                                                           size


                                                                                                                                                                                                                                                  1.25% flat monthly and                Movable&Immovable collateral depending on loan
                                                                                                                                                                                                   2) 300 - 50,00            6 - 36 months                                   2.0%
                                                                                                                                                                                                                                                     1% in second cycle                                    size
                                                                                                                                         1. Individual         2.
                                                                                                                                                   Group
                                                                                                                                               3. Consumer                                    3) Salary and Loan term                                                                   Movable&Immovable collateral depending on loan
                                                                                                                                                                                                                             3 - 36 months          0.92% flat monthly       1.0%
                                                                                                     Peje, Prishtina, Prizren, Gjakova,       Loan/Group &                                              based                                                                                              size
                                                                                                            Kline, Istog Decan,            Individual       4.
                                                                                                        Xerxe,Rahovec, Malisheve,               Agriculture                                                                                      1.25% Individ first
                        Intl.Catholic                                                                                                                                                                                      6 - 30 months ( 6                                1.5% In
                                                                                                         Recan, Suhareke, Ferizaj,           Loans/Group &                                         4) 500 - 12000                              cycle - 1% second cycle,                          Group Guarantee, Mov property
     KEP Trust           Migration      Jul-09       44,328,867.00        19,048.00    Prishtina                                                                     Individual / Group                                   months grace period)                               2% Gr
                                                                                                       Kacanik, Kamnice, Gracanic,      Individual             5.                                                                                      1% Group
                         Committee
                                                                                                        Dreans, Lipjan, Mitrovice,              SME Loan
                                                                                                     Vushtrri, Skenderaj, Zubin Potok,     6. Loan for Women                                      5) 15000 - 80000           6 - 48 months         1.1% - 1% next cycles     1.5%                      Immoveble Collateral
                                                                                                              Shtimje, Shtrpce            /LFW              7.
                                                                                                                                         Women Express Loan                                                                6 - 36 months ( 3         1.1% - 0.92% flat
                                                                                                                                                                                                   6) 200 - 15000                                                            1.3%                       Movable Collateral
                                                                                                                                        8. Housing Loan Village                                                           months grace period)           monthly
                                                                                                                                                   Bank
                                                                                                                                                                                                    7) 50 - 1000             6 - 24 months          1.5% flat monthly        2.5%         No formal collateral needed / only co-borrower
                                                                                                                                                                                                                                                          Movable&Immovable collateral depending on loan
                                                                                                                                                                                       8) 5000 - 75000     12 - 60 months      15% declining     2.0%
                                                                                                                                                                                                                                                                             size



                                Parent
         Name                                As of:   Active loan Portfolio    Client     Main Office            Areas Covered                   Methodology           Loan Products     Loan Size           Loan Term         Interest Rates    Fees                        Collateral
                                 Org.




Kosovo Grameen Missione                                                                                   Peje, Prishtine,      Prizren,
                            Grameen Trust    Jul-09       4,906,618.00         5,981.00      Peje                                                   Group                                1000 - 2000         12 months         20% declining                        No formal collateral needed
      Arcobaleno                                                                                                       Gjilan




                                                                                                                                             Local Credit    Assoc.                                          3-12 months                        non fes    pledged collateral or guarantos for loans more
                                                                                                         Kline, Deacan,South Mitrovica,                                                300-10000Euro
Kreditimi Rural I Kosoves       ADIE                                                                                                            Working cap to                                             up to 36 months                      non fes    pledged collateral or guarantos for loans more
                                             Jul-09       14,817,076.00        6,851.00    Prishtina     Leposavic, Peja, Istog, Rahovec,                               Agri Loan      2500-10000Euro                         22% declining
         (KRK)              international                                                                                                          individuals                                           10 month (5 months                     non fes    pledged collateral or guarantors for loans more
                                                                                                                Vushtrri, Rahovec                                                       300-5000Euro
                                                                                                                                            Invesment to individuals                                        grace period)                       non fes    pledged collateral or guarantors for loans more




                                                                                                                                                                          Trade
                                                                                                                                                                         Farming
        QELIM                CELIM Italy     Jul-09        224,981.48          179.00      Gjakova                   Gjakova                      Individual            Agriculture    max.2000-5000       1 - 15 months         1.25% flat      1.0%                    movable collateral
                                                                                                                                                                         Services
                                                                                                                                                                        Handicraft


                                                                                                               Drenas ,Skenderaj,
                                                                                                                                                                                                             12 months,                         30 Euro
        START               Islamic Relief   Jul-09        878,183.00           1,442       Drenas       Malisheve, Vushtrri, Prishtine,          Individual                              400-5000                                 0.00                                     2 guarantor
                                                                                                                                                                                                             24 months                          60 Euro
                                                                                                        Mitrovice, Kastriot, Fushë Kosovë


                        Total                            95,550,494.29        52,952.00

								
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