| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.congente.com.co/ |
| Year established | 1964 |
| Head of Institution | Vicente Antonio Pabon Monroy |
| Regions active | |
| # Branches | 10 |
| Total Portfolio (nat'l) | COP 40,700,659,712 |
| Total Portfolio (USD) | USD 22,362,999.84 |
| Active clients with loans | 5,927 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | Emprender, Asomicrofinanzas |
| Funders |
| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | Yes |
| Website address | http://www.cranmicrofinance.org |
| Year established | 1993 |
| Head of Institution | Dr. Patrick Agbesingale |
| Regions active | Central Region, Western Region, Volta Region |
| # Branches | 5 |
| Total Portfolio (nat'l) | GHS 2,008,192 |
| Total Portfolio (USD) | USD 1,019,386.80 |
| Active clients with loans | 3,613 |
| Approximate % female clients | 80% - 100% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | GHAMFIN, ASSFIN, GAMC |
| Funders | CORDAID, TERA JANE, KIVA |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CONSUMO LIBRE INVERSION COLI | COP 100,000 - 100,000,000 | 1 - 72 | 40% - 60% | 60% - 80% | Any Purpose | Women, Men, Debe ser asociado de la Cooperativa con Ahorros, Debe tener capacidad de endeudamiento | Credit Ins | |||||||
| microcredito productivo | COP 535,600 - 5,356,000 | 1 - 24 | 60% - 80% | 80% - 100% | Business | Women, Men, Have business | Credit Ins, Tech Asst Visits |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loans | GHS 200 - 3,000 | 4 - 12 | 40% - 60% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins, Savings promotion | |||||||
| Individual Loan | GHS 200 - 10,000 | 6 - 12 | 60% - 80% | 40% - 60% | Business | Women, Men, Have business | Credit Educ, Credit Ins, Savings promotion |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CONSUMO LIBRE INVERSION COLI | 21.2% annual, Decl Bal | 0 Fees | 1 Ins | None | 2.5% upfront 5,000.00 ongoing | 15.5% - 19.4% | 17.5% - 22.3% | 100 | ||||||||
| microcredito productivo | 26.5% annual, Decl Bal | 1 Fee | 1 Ins | None | 5,000.00 ongoing | 31.9% - 34.7% | 33.9% - 37.2% | 73 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loans | 42.00% annual, Flat | 1 Fee | 1 Ins | None | 20.00% upfront | 73.3% - 73.5% | 112.8% - 114% | 37 | ||||||||
| Individual Loan | 42.00% annual, Flat | 1 Fee | 1 Ins | None | 20.00% upfront | 72.3% - 73.5% | 106.1% - 112% | 37 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| CONSUMO LIBRE INVERSION COLI | 21.2% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | 2.5% upfront 5,000.00 ongoing | 15.5% - 19.4% | 17.5% - 22.3% | 100 | ||||||||
| microcredito productivo | 26.5% annual, Decl Bal | 1 Fee | 1 Ins Ins | None | 5,000.00 ongoing | 31.9% - 34.7% | 33.9% - 37.2% | 73 |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group Loans | 42.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.00% upfront | 73.3% - 73.5% | 112.8% - 114% | 37 | ||||||||
| Individual Loan | 42.00% annual, Flat | 1 Fee | 1 Ins Ins | None | 20.00% upfront | 72.3% - 73.5% | 106.1% - 112% | 37 |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| N (# of Samples) | ||||||
| Total Borrrowers of Samples | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
