| 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 |
| Outstanding portfolio (GHS) | GHS 17,800 |
| Portfolio (USD) | USD 9,035.53 |
| Active Clients with Loans | 4 |
| Approximate % Female Clients | 40% - 60% |
| Approximate % Urban Clients | 0% - 20% |
| Any purpose | |
| Income generation | |
| Mortgage/housing | x |
| Consumer loan | |
| Agriculture | |
| Education | x |
| Other household finance | x |
| Other | |
| Other (2) |
| Men | x |
| Women | x |
| Must run a business | |
| Must own a home or land | |
| Must be a salaried worker | |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | 1 |
| # Regions for this product | N/A |
| Regions Active |
| 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 ∞ | ||||||
