| Institution Type | Non-Governmental Organization |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 1994 |
| Head of Institution | Cesar Ivan Velosa Poveda |
| Regions active | |
| # Branches | 6 |
| Total Portfolio (nat'l) | COP 15,034,582,670 |
| Total Portfolio (USD) | USD 8,260,759.71 |
| Active clients with loans | 3,993 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 60% - 80% |
| Network affiliations | Emprender, Asomicrofinanzas |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Desarrollo Empresarial | COP 515,000 - 25,750,000 | 6 - 30 | 40% - 60% | 80% - 100% | Business | Women, Men, Have business | Tech Asst Visits, Business Training | |||||||
| Microvivienda | COP 515,000 - 25,750,000 | 6 - 30 | 40% - 60% | 60% - 80% | Housing | Women, Men, Have business | Credit Educ | |||||||
| Nucleos Solidarios Productivos | COP 515,000 - 5,150,000 | 6 - 24 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business | Group Mtgs, Business Training, Giras Técnicas | |||||||
| Rural Individual - Germina | COP 515,000 - 12,875,000 | 6 - 30 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business | Group Mtgs, Giras Técnicas |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Desarrollo Empresarial | 29.5% annual, Decl Bal | 1 Fee | 1 Ins | None | N/A | 29.6% - 35% | 30.1% - 38% | 88 | ||||||||
| Microvivienda | 29.5% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 29.6% - 31.1% | 30% - 33.7% | 91 | ||||||||
| Nucleos Solidarios Productivos | 29.5% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 29.6% - 31% | 32.4% - 33.2% | 90 | ||||||||
| Rural Individual - Germina | 24.0% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 24% - 26.3% | 25.6% - 33.9% | 83 |
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| % Products with compulsory deposits |
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