2. Ecofuturo
Please note that the information you are viewing is 130 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Ecofuturo S.A. Calle Mexico 1530 entre Otero de la Vega y Nicolas AcostaLa Paz
Data approved: 2013-12-31
Data version: 2
Age of data: 130 months
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Product

Eco - Vivienda (USD) Product 11 of 12 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (USD)USD 5,152,482
Portfolio (USD)USD 5,152,482
Active Clients with Loans315
Approximate % Female Clients20% - 40%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Créditos a personas asalariadas o microempresarios que destinen el credito a la vivienda
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
OtherCompra de Vivienda
Other (2)Construcción
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 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 institution9
# Regions for this product9
Regions ActiveBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 5,000
Maximum loan size500,000
Distribution at Disbursement (Est.)
Loans less than USD 1,5000
USD 1,500-5,0000
USD 5,000-10,00010%
USD 10,000-15,00020%
USD 15,000-18,00010%
Greater than USD 18,00010%
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term120.0 months
Approx average92.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months0
Between 13 and 18 months0
Longer than 18 months100%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 monthsx
Quarterlyx
Every 6 monthsx
Every 12 months
Single end payment
Irregular paymentsx

Pricing Information

Interest
Lowest quoted nominal interest8.86%
Highest quoted nominal interest26.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?Yes
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
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1Ins 2
DescriptionSeguro de DesgravamenSeguro de Todo Riesgo
% of loan amount - min0.25%0
% of loan amount - max9.96%0.80%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationFee is 0.083%, charged each month on the outstanding loan principal only.Fee is 0.0067% per month, charged on the oustanding loan principal balance only. Charged only if value of collateral is insufficient.
Appears on Repayment Sched?YesYes
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?No

Full Pricing Data

Eco - Vivienda (USD) samples
Sample 1Sample 2Sample 3
Loan AmountUSD 2,000USD 11,000USD 15,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2013-10-152014-04-012014-04-01
Loan Term (Months)61.0 months49.0 months97.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditUSD 685.36USD 6,080.91USD 12,777.57
True Price by Comp     
Interest price component11.4%25.7%19.8%
Fee Component0.0%0.0%0.0%
Insurance Component1.9%1.0%1.1%
Tax Component0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)13.3%26.7%20.9%
Transparency Index673342
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF
Eco - Vivienda (USD) Price Graphs


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  2. Coop San Miguel
Please note that the information you are viewing is 167 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

San Miguel de los Bancos AV. 17 DE JULIO Y JAIME ROLDOSSAN MIGUEL DE LOS BANCOSPichincha
Data approved: 2011-02-09
Data version: 1
Age of data: 167 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?No
Website addresshttp://WWW.COACSANMIGUEL.FIN.EC/
Year established1995
Head of InstitutionSULEMA PIZARRO CANDO
Regions active
# Branches3

Total Portfolio (nat'l)USD 4,602,402.64
Total Portfolio (USD)USD 4,602,402.64
Active clients with loans1,953
Approximate % female clients20% - 40%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Loan Products » Summary

Consumo
749 Borrowers
USD 1,659,418.25 Portfolio
Active Product
Vivienda
53 Borrowers
USD 397,481.11 Portfolio
Active Product
Individual
621 Borrowers
USD 1,495,211.67 Portfolio
Active Product
Microcredit
359 Borrowers
USD 1,107,861.69 Portfolio
Active Product
Grupal
32 Borrowers
USD 94,986.44 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credito de Consumo USD 250 - 8,000 4 - 30 20% - 40% 40% - 60% Any Purpose Women, Men, Salaried worker Credit Ins
Credito de Vivienda USD 8,001 - 17,000 38 - 58 20% - 40% 60% - 80% Housing, Compra de terreno, casa, apartamentos, Construccion y mejora de casa Women, Men, Have business, Have home or land, Salaried worker Credit Ins
Micro Juanita Individual USD 250 - 17,000 4 - 56 40% - 60% 60% - 80% Business Women, Men, Have business, DEPENDE DEL MONTO PRESENTA COPIAS DE UN BIEN INMUEBLE. Credit Ins
Microcreditos USD 250 - 17,000 4 - 56 20% - 40% 60% - 80% Business Women, Men, Have business, DEPENDE DEL MONTO PRESENTA COPIAS DEL BIEN INMUEBLE. Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credito de Consumo 15.2% annual, Decl Bal 0 Fees 1 Ins None 9.0% upfront 15.4% 18.7% - 19.2% 79
Credito de Vivienda 10.8% annual, Decl Bal 1 Fee 0 Ins None 9.0% upfront 10.9% 13.8% 78
Micro Juanita Individual 20.0%-26.9% annual, Decl Bal 0 Fees 1 Ins None N/A 20.3% 21% 95
Microcreditos 20.0%-26.9% annual, Decl Bal 0 Fees 1 Ins None N/A 22.3% - 27.3% 23.1% - 28% 80
Institution Price Graph
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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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