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AQROINVEST CREDIT UNION. Aqroinvest CU Baku 2007. Geographical Position. Azerbaijan Republic situated on the Caspian Sea Population – 8 .5 millions(51% urban, 49% rural) Area – 86,6 00 sq.km (20% under occupation) IDPs, Refugees - 1 million (12%) Main exports – Oil, oil products - PowerPoint PPT Presentation

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  • AQROINVEST CREDIT UNIONAqroinvest CUBaku 2007

  • Geographical Position

    Azerbaijan Republic situated on the Caspian SeaPopulation 8.5 millions(51% urban, 49% rural)Area 86,600 sq.km (20% under occupation)IDPs, Refugees - 1 million (12%)Main exports Oil, oil productsInflation rate for FY 2006 -8.6%

  • Microfinance Statistics in Azerbaijan14 NBCO, 76 Credit Unions, 5 Banks in MFActive clients 192 000, Portfolio 211 millions USDTarget Group IDPs, low-income people, rural poorOnly 40 districts of total 70 are scarcely covered by MFAMFA, AKIA, National Bank involved in MFADB, WB, EBRD, TACIS in Azerbaijan MFMicrofinance future sustainable in Azerbaijan due to below factors: high demand of micro loansunemployment rate being highgovernment support to informal sectorproviding access to capital in free-market economy

  • Background 2001 Established in Imishli2003 Opened branches in Sabirabad, Saatli & Bilasuvar IDP & Refugee Settlement2007 Opened branch in Varkhankend village, IDP Settlement Provides loan service to IDPs and rural poorStaff-20 employeesNumber of clients 1200Portfolio - 1 263 757.45

  • About Aqroinvest CUPartners:Ministry of Economic Development National Fund for Entrepreneurship Support (SKMF)Social Fund for Development of Internally Displaced Persons (MKSIF) Credit Implementing Agency, Non Bank Lending Organization (IKA) KIVA (US)Azerbaijan Credit Union Association (AKIA) Member of:Azerbaijan Microfinance Association (AMFA)Micro Finance Center (MFC,Warsaw)

  • Agroinvest Sources of Funding

  • Our Vision, Mission, GoalsVision is to become advanced credit union providing viable financial services for union member as well as playing an important role in financial sustainability and economic well-being of Azerbaijani people.

    Mission is to become advanced credit union providing viable financial services for union member as well as playing an important role in financial sustainability and economic well-being of Azerbaijani people.

    Goal is to ensure that its members, preferably rural poor and IDPs have an access to viable financial resources and take an advantage of using these resources to determine a sustainable economic future for them. tribute to the business development of the union members and vulnerable groups of people by demand-driven lending services with desirable depth, width and length of social outreach.

  • Agroinvest ValuesSocial JusticeCooperativenessTransparencyPunctualityResponsibilityTeamwork

  • Agroinvest clients

  • Agroinvest Loans

  • Female clients Indicator 2003-2007

  • 1

    355053.42156

    441570.26250

    437318.96251

    790595.59495

    1306745.98747

    Gross Loan Portfolio

    Number of borrowers

    Thousands

    Portfolio size

    Translations

    Item ref.EnglishFranaisEspaolPortugus

    A01CURRENT ASSETSACTIFS CIRCULANTSACTIVO CIRCULANTEATIVO CIRCULANTE

    A02Cash on handEspces en caisseEfectivo en cajaDinheiro em caixa

    A03Non-interest bearing deposits and clearing accountsDpts non productifs d'intrts et comptes de liquidationDepsitos sin inters y cuentas transitoriasDepsitos sem juros e contas de compensao

    A04Interest bearing deposits and investments < 1 yearDpts productifs d'intrts et investissements < 1 anDepsitos con inters e inversiones a < 1 aoDepsitos e investimento com juros < 1 ano

    A05Prepaid expensesCharges constates d'avanceGastos prepagadosDespesas antecipadas

    A06Accounts receivableEffets recevoirCuentas vencidasContas a receber

    A07Interests receivableIntrts recevoirIntereses devengadosJuros a receber

    A08Other current assetsAutres actifs circulantsOtros activos circulantesOutros Ativos Circulantes

    A09NET LOAN PORTFOLIOPORTEFEUILLE DE PRTS NETCARTERA DE PRSTAMOS NETOSCARTEIRA LQUIDA DE EMPRSTIMOS

    A10Gross Loan Portfolio (principal outstanding)Portefeuille de prts brut (solde crditeur)Cartera de prstamos brutos (saldo de capital)Carteira Bruta de Emprstimos (principal pendente)

    A11(Loan Loss reserves)(Rserves pour pertes sur prts)(Reservas para prdidas de prstamos)(Reservas para Prejuzos em Emprstimos)

    A12LONG TERM ASSETSCRANCES PLUS D'UN ANACTIVO A LARGO PLAZOATIVO A LONGO PRAZO

    A13Investments > 1 yearInvestissements > 1 anInversiones a > 1 aoInvestimentos > 1 ano

    A14Net Property and EquipmentImmeubles et matriel netsBienes y equipamientos netosBens e equipamentos lquidos

    A15Other long term assetsAutres crances plus d'un anOtros activos a largo plazoOutros Ativos a longo prazo

    A16TOTAL ASSETSTOTAL ACTIFTOTAL DE ACTIVOSTOTAL DO ATIVO

    A17CURRENT LIABILITIESDETTES UN AN AU PLUSPASIVO CIRCULANTEPASSIVO CIRCULANTE

    A18Demand depositsDpts vueDepsitos exigiblesDepsitos vista

    A19Short term Time Deposits (< 1 year)Dpts terme un an au plusDepsitos a corto plazo (< 1ao)Depsito a curto prazo (< 1 ano)

    A20Short term Borrowed Funds (< 1 year)Fonds emprunts un an au plusFondos tomados en prstamo a corto plazo (< 1 ao)Emprstimos tomados a curto prazo (< 1 ano)

    A21Interests payableIntrts payerIntereses vencidosJuros a pagar

    A22Other short term liabilitiesAutres dettes un an au plusOtros pasivos a corto plazoOutros passivos a curto prazo

    A23LONG TERM LIABILITIESDETTES PLUS D'UN ANPASIVO A LARGO PLAZOPASSIVO A LONGO PRAZO

    A24Long term Time Deposits (> 1 year)Dpts terme plus d'un anDepsitos a largo plazo (> 1 ao)Depsito a longo prazo (> 1 ano)

    A25Long term Borrowed Funds (> 1 year)Fonds emprunts plus d'un anFondos tomados en prstamo a largo plazo (> 1 ao)Emprstimos tomados a longo prazo (> 1 ano)

    A26Quasi Capital AccountsComptes de quasi-capitalCuentas de cuasicapitalContas de Quase-Capital

    A27Other long term liabilitiesAutres dettes plus d'un anOtros pasivos a largo plazoOutros passivos a longo prazo

    A28TOTAL LIABILITIESTOTAL PASSIFTOTAL DE PASIVOSTOTAL DO PASSIVO

    A29Paid-up share capitalCapital social librCapital social pagadoCapital Integralizado

    A30Donated equityDonation en capitalDonacin de capitalDoaes de capital

    A31Current year profit/lossBnfice / perte de l'exercice en coursGanancias / prdidas del ao en cursoLucros/prejuzos do exerccio atual

    A32Reserves / retained earnings / accumulated lossesRserves / bnfices non distribus / perte reporteReservas / Beneficios retenidos / Prdidas acumuladasReservas / rendimentos retidos / Prejuzos acumulados

    A33Other capital accountsAutres comptes de capitalOtras cuentas de capitalOutras contas de capital

    A34TOTAL EQUITYTOTAL CAPITALTOTAL DE PATRIMONIOTOTAL DO PATRIMNIO

    BRS01-1-3MFI FACTSHEETFACTSHEET IMFFACTSHEET IMFFACTSHEET IMF

    BRS01-6-3Actual yearAnne actuelleAo actualAno actual

    BRS01-21-8(negative figure)(montant ngatif)(monto negativo)(montante negativo)

    BRS01-3-2NAME OF INSTITUTIONNOM DE L'ORGANISATIONNOMBRE DE LA INSTITUCINNOME DA INSTITUIO

    BRS01-4-3PLEASE FILL IN ALL YELLOW-COLOURED CELLSVEUILLEZ REMPLIR TOUTES LES CELLULES JAUNESRELLENAR TODAS LAS CELDAS COLOREADAS EN AMARILLOPOR FAVOR PREENCHA AS CLULAS EM AMARELO

    BRS01-6-2Table A: Balance Sheet at period's endTableau A: Bilan en fin d'exerciceTabla A: Balance general a fin de aoTabela A: Balano Patrimonial no final do ano

    BRS01-9-2Fill in money items in local currency !!Introduisez les montants dans votre monnaie locale !!Rellenar los valores monetarios en la moneda nacional !!Preencher itens monetrios em moeda oficial atual !!

    BRS01-10-2ASSETSACTIFACTIVOSATIVO

    BRS01-28-2LIABILITIESPASSIFPASIVOSPASSIVO

    BRS01-42-2EQUITYCAPITALPATRIMONIOPATRIMNIO

    BRS01-50-2TOTAL EQUITY AND LIABILITIESTOTAL CAPITAL ET PASSIFTOTAL DE PASIVOS Y PATRIMONIOTOTAL DO PASSIVO E PATRIMNIO

    BRS01-8-3YearAnneAoAno

    BRS01-8-4YearAnneAoAno

    BRS01-8-5YearAnneAoAno

    BRS01-8-6YearAnneAoAno

    BRS01-8-7Year-to-dateAnne jsq date aujourd'huiAo hasta fechaAno at a data

    BRS01-8-9Year-to-date (cumulative for the current year)Anne jsq date aujourd'hui (cumulatif pour cette anne)Ao hasta fecha (cumulativo para este ao)Ano at a data (cumulativo para este ano)

    BRS01-8-21ProjectionPrvisionsProyeccinProjeo

    B01TOTAL FINANCIAL INCOMETOTAL DES PRODUITS FINANCIERSTOTAL INGRESOS FINANCIEROSTOTAL DA RECEITA FINANCEIRA

    B02Interest and fee income from loan portfolioIntrts et commissions issus du portefeuille de prtsIntereses y comisiones de la cartera de prstamosJuros e taxa da carteira de emprstimos

    B03Intereses y comisiones en efectivoJuros e comisses efetivas

    B04Accruals ( Interest receivable)Intrts recevoirDevengados ( Intereses por cobrar)Acmulos (Juros a receber)

    B05Interest and fee income from investmentsIntrts et commissions des dettes issus des investissementsIntereses y comisiones de las inversionesJuros e rendas dos investimentos

    B06Other income from financial servicesAutres produits des services financiersOtros ingresos procedentes de servicios financierosOutras rendas de servios financeiros

    B07TOTAL FINANCIAL EXPENSESTOTAL DES CHARGES FINANCIRESTOTAL GASTOS FINANCIEROSTOTAL DE DESPESAS FINANCEIRAS

    B08Interest and fee expenseIntrts et charges des dettesGastos de intereses y comisionesDespesas de juros e comisses

    B09por depsitos de clientespor depsitos de clientes

    B10por fondos tomados en prstamopor emprstimos tomados

    B11Other financial expensesAutres charges financiresOtros gastos financierosOutras despesas financeiras

    B12GROSS FINANCIAL MARGINMARGE FINANCIRE BRUTEMARGEN FINANCIERO BRUTOMARGEM FINANCEIRA BRUTA

    B13Loan loss provision expensesCharges de provisions pour pertes sur prtsGastos de provisin para prdidas de prstamosDespesas

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