Credit product



" Micro Business "

Interest rate

49.9% yearly

Additional interest for using credit

2% of the loan amount

1% of the loan amount




from 3 to 24 months

from 3 to 18 months

from 3 to 24 months


From 200 to 3000 manat


Ø         If the amount is from 200 to 1,000 manat (inclusive), they are issued without a guarantee and without the consent of a family member;

Ø         If the amount is from 1,001 to 2,000 manats , they are issued without a guarantee, but the written consent of one family member to receive a loan is required (at the request of the loan officer a guarantor may be involved);

Ø         When the amount is from 2,001 to 3,000 manat , 1 (one) guarantor or bail is issued on bail.

Loan purpose

Loans are issued for consumer purposes.

Loans are issued for the following business purposes:

                                    1.        Buying livestock;

                                    2.        Buying feed for livestock;

                                    3.        Land preparation for sowing;

                                    4.        Harvesting;

                                    5.        Purchase of fertilizers;

                                    6.        Other goals.

Loans are issued for the following business objectives:

                               1.        Increase working capital;

                               2.        Purchase of fixed assets;

                               3.        Repair and construction of fixed assets;

                               4.        Expansion of existing business activities;

                               5.        Business creation

Actual Annual Interest Rate (FİFD)


From 50,75 %



From 51,1%


From 49,53%


  • Citizenship of the Republic of Azerbaijan
  • Age from 21 to 70 years (inclusive)
  • Identification (*)
  • Other documents

* When analyzing customer data, the Company may require additional documents, and appropriate changes may be made to the loan conditions.   For more information and the calculation of the full cost of the loan, the necessary documents for obtaining a loan , please contact our branches .