| Outstanding portfolio (BOB) | BOB 2,134,311.13 |
| Portfolio (USD) | USD 316,194.24 |
| Active Clients with Loans | 26 |
| Approximate % Female Clients | 40% - 60% |
| Approximate % Urban Clients | 80% - 100% |
| Any purpose | x |
| Income generation | |
| Mortgage/housing | |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | |
| Must be a salaried worker | x |
| Must be specific age group | |
| Other | Clientes con DPFs propios del Banco |
| Other (2) |
| # Regions for this institution | 9 |
| # Regions for this product | N/A |
| Regions Active |
| Institution Type | Non Bank Financial Institution |
| Is this institution regulated? | Yes |
| Website address | http://www.credife.com/ |
| Year established | 1999 |
| Head of Institution | Paul Alejandro Arias |
| Regions active | |
| # Branches | 117 |
| Total Portfolio (nat'l) | USD 397,135,164 |
| Total Portfolio (USD) | USD 397,135,164 |
| Active clients with loans | 106,185 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Accion Internacional, Red Financiera Rural |
| Funders | Banco Pichincha C.A |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Consumo | USD 300 - 10,000 | 2 - 24 | 40% - 60% | 60% - 80% | Any Purpose | Women, Men, Have business | Credit Ins | |||||||
| Credito Mejoramiento de Vivienda | USD 1,000 - 20,000 | 3 - 60 | 40% - 60% | 60% - 80% | Housing | Women, Men, Have home or land, Al menos 6 meses de relacion de crédito con la institución | Credit Ins | |||||||
| Credito para Activo Fijo | USD 500 - 20,000 | 3 - 36 | 40% - 60% | 60% - 80% | Housing, Compra de terrenos destinados al negocio, Compra/arreglo locales comerciales | Women, Men, Have business, Al menos 24 meses de experiencia en su actividad | Credit Ins, Tech Asst Visits | |||||||
| Credito para Capital de Trabajo | USD 300 - 20,000 | 2 - 24 | 40% - 60% | 60% - 80% | Business, Housing | Women, Men, Have business, Llevar sus negocios en condiciones de informalidad pero con un local fijo, Nacional o extranjero residente al menos dos años | Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Consumo | 24.5%-26.9% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 22.9% - 26.8% | 23.5% - 27.5% | 98 | ||||||||
| Credito Mejoramiento de Vivienda | 10.9%-26.9% annual, Decl Bal | 0 Fees | 2 Ins | None | N/A | 10.8% - 27.3% | 11.4% - 27.9% | 67 | ||||||||
| Credito para Activo Fijo | 22.5%-26.9% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 22.4% - 26.8% | 23.1% - 27.4% | 92 | ||||||||
| Credito para Capital de Trabajo | 22.5%-26.9% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 22.4% - 26.8% | 23.1% - 27.4% | 92 |
| Key Statistics | |
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| # Samples: | |
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| 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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