2. Coop Fatima
Please note that the information you are viewing is 171 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. COAC SanAntonio
Please note that the information you are viewing is 170 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

COOPERATIVA DE AHORRO Y CREDITO FATIMA LTDA. CALLE OBISPO PEÑA No 63Santa Cruz, Santa Cruz
Data approved: 2010-10-28
Data version: 1
Age of data: 171 months

Institution

Cooperativa de Ahorra y Credito San Antonio Ltda San Antonio de Ibarra, Hermanos Mideros 6-33 y 27 de NoviembreIbarra, Imbabadura
Data approved: 2010-11-08
Data version: 1
Age of data: 170 months

Product

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Product

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Product Summary

Number borrowers334
Loan Amount (range)USD 10,000 - 140,000
Loan Term (range)120 - 180
Other Services (text summary)Credit Educ, Credit Ins, Tech Asst Visits
Annual Interest & Method10.0%-13.0% annual, Decl Bal
Fees1.00% upfront 6.00% ongoing
InsuranceNone
Tax3.00 fixed
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component13.2% - 13.9% (Int+Fee)
Insurance Component0 - 0.8%
Tax Component Range0.3% - 6.6%
Full APR (int fee ins tax dep)14.2% - 14.4%
Transparency Index (min/max)58 - 92
Transparency Index (average)70

Product Summary

250
USD 100 - 10,000
1 - 48
Credit Ins
15.1% annual, Decl Bal
None
5.00% upfront
None
10.0% upfront 5.00 ongoing
 
N/A
15.3% (Int+Fee)
0 - 0.2%
0
18.2% - 18.8%
0 - N/A
81

Product Details

Key Statistics
Outstanding portfolio (USD)USD 4,302,502
Portfolio (USD)USD 4,302,502
Active Clients with Loans334
Approximate % Female Clients0% - 20%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
DESTINADO PARA COMPRA, REFACCION, AMPLIACION O REMODELACION DE VIVIENDA. GARANTIA DEL MISMO INMUEBLE
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visitsx
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (USD)USD 577,488
Portfolio (USD)USD 577,488
Active Clients with Loans250
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Este tipe de credito se define de acuerdo a la fuente de pago de los socios que generalmente proviene de sueldos o rentas fijas destinado para cualquier tipo de gastos.
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 10,000
Maximum loan size140,000
Loan Term and Grace Period
Shortest loan term120.0 months
Longest loan term180.0 months
Approx average0
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 100
Maximum loan size10,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term48.0 months
Approx average36.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest10.00%
Highest quoted nominal interest13.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionSeguro Contra Incendio
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
Fee 1
DescriptionSeguro de Vida
% of loan amount - min6.00%
% of loan amount - max6.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A

Pricing Information

Interest
Lowest quoted nominal interest15.10%
Highest quoted nominal interest15.10%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
Ins 1
DescriptionSeguro Desgravaman
% of loan amount - min5.00%
% of loan amount - max5.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?No
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount depositedUSD 5
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid2.00%
Maximum interest rate paid3.00%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No
Additional Comments
Interés sobre ahorros: trimestral

Full Pricing Data

HIPOTECARIO DE VIVIENDA samples
Sample 1Sample 2Sample 3
Loan AmountUSD 11,200USD 15,000USD 16,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2010-09-212010-09-212010-09-22
Loan Term (Months)120.0 months120.0 months120.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component13.2%13.9%13.2%
Insurance Component0.7%0.0%0.7%
Tax Component0.4%0.3%0.3%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)14.4%14.2%14.2%
Transparency Index707070
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Consumo samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountUSD 400USD 1,000USD 2,000USD 4,000USD 8,600
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-06-142010-06-142010-06-142010-06-142010-06-14
Loan Term (Months)6.0 months12.0 months24.0 months36.0 months48.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component15.3%15.3%15.3%15.3%15.3%
Insurance Component0.2%0.1%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component3.3%3.4%3.2%3.1%2.9%
Full APR (int fee ins tax dep)18.8%18.8%18.6%18.5%18.2%
Transparency Index8080818283
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
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Key Statistics
# Samples:
# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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