CEPESIU - Programa de Crédito Directo - MFTransparency.org Truth In Lending Tables

Please note that the information you are viewing is 172 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

CEPESIU Veintimilla E10-50 y Av. 12 de OctubreEdificio Quito 12 El Giron Torre W, PenthouseQuito, Pichincha

Data approved: 2010-11-22

Data version: 1

Age of data: 172 months

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Product Details

Key Statistics

Outstanding portfolio (USD)	USD 66,556.84
Portfolio (USD)	USD 66,556.84
Active Clients with Loans	166
Approximate % Female Clients	20% - 40%
Approximate % Urban Clients	0% - 20%

Methodology

Individual
Solidarity group	x
Village banking
Self help group
Other

Description

Es un producto que se basa en un acuerdo entre una organización o asociación de microempresarios formalmente constituida y el CEPESIU.

Loan Purpose

Any purpose
Income generation	x
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)

Included Services

Credit education
Group meetings
Credit insurance
Workplace visits	x
Business training
Other training
Other
Other (2)
No other services

Eligibility

Men	x
Women	x
Must run a business	x
Must own a home or land
Must be a salaried worker
Must be specific age group
Other	Asociacion debe haber firmado convenio con Cepesiu
Other (2)	Producto dirigido a produccion agricola de ciclo corto

# Borrowers by Product

Portfolio Size by Product

Geographic Coverage

# Regions for this institution	N/A
# Regions for this product	N/A
Regions Active

Loan Conditions

Loan Amount

Currency	USD
Minimum loan size	USD 500
Maximum loan size	1,500

Loan Term and Grace Period

Shortest loan term	4.0 months
Longest loan term	8.0 months
Approx average	6.0 months

Grace Period

Grace period usage	0
Average grace period	0

Repayment Frequency

Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment	x
Irregular payments

Pricing Information

Interest

Lowest quoted nominal interest	28.56%
Highest quoted nominal interest	28.56%
Interest rate period	Yearly
Interest Rate Calculation Method	Decl Bal
Subsidized by funder request?
Is rate fixed for entire loan term	No

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

This product has no ongoing insurance fees

Compulsory Deposit

Required for	All
Criteria	N/A
Is deposit indicated on the repayment schedule?	Yes
Do borrowers control deposit in their group?

Deposit BEFORE or AT Disbursement

% loan amount deposited	12.00%
or, Fixed-amount deposited	0

Deposits DURING period payments

% loan amount deposited	0
or, Fixed-amount deposited	0
Conditions on access to deposit

Interest Paid on Deposit

Minimum interest rate paid	0
Maximum interest rate paid	0
Interest payment frequency	N/A

Taxes

Are taxes charged on this product?	No

Are taxes charged on this product?

Full Pricing Data

Programa de Crédito Directo samples

	Sample 1	Sample 2	Sample 3
Loan Amount	USD 1,136	USD 1,136	USD 1,136.36
Loan Cycle (1, 2, 3, etc)	1	1	1
Disbursement Date	2010-06-15	2010-06-15	2010-06-15
Loan Term (Months)	6.0 months	6.0 months	6.0 months
Grace Period (Months)	0.0 months	0.0 months	0.0 months
Total Cost of Credit	Not Known	Not Known	Not Known
True Price by Comp
Interest and Fee Component	28.9%	28.9%	29.0%
Insurance Component	0.0%	0.0%	0.0%
Tax Component	0.0%	0.0%	0.0%
Deposit Component	4.0%	4.0%	4.0%
Full APR (int fee ins tax dep)	32.9%	32.9%	32.9%
Transparency Index	87	87	87

Original Repayment Schedule	PDF	PDF	PDF
MFT Pricing Calculation	PDF	PDF	PDF

Programa de Crédito Directo Price Graphs

Click to view Price Analysis Tool

Institution	# Borrowers	Portfolio (US$)	Products	Age of Data
KBL	468,300	120,082,000	16	115
KF	233,600	41,416,000	4	114
NRSP	399,900	70,157,000	3	115
ASA	230,400	29,637,000	3	115
TMFB	221,200	85,449,000	7	115
FMFB	163,544	38,481,323	9	133
TRDP	100,000	13,817,000	3	115
PRSP	75,656	9,907,176	3	133
BRAC^P	57,300	11,869,000	3	115
SRSO	51,100	7,775,000	3	115
SSF	46,000	4,776,000	3	115
FINCA	82,000	43,559,000	9	115
JWS	36,000	6,545,000	2	115
RCDS	35,552	4,856,122	4	133
DAMEN	35,185	7,150,864	1	133
FFO	22,400	3,335,000	3	115
OLP	21,400	3,510,000	3	115
CSC	17,600	3,147,000	1	115
AMRDO	13,800	1,206,000	5	115
WMBL	13,800	6,105,000	3	115
Mojaz	13,400	2,415,000	2	115
SDF	11,500	1,041,000	4	115
POMFB	8,500	2,795,000	4	115
OPD	7,500	918,000	2	115
AGAHE	7,300	797,000	2	115
NRDP	6,184	1,521,972	3	133
GBTI	6,100	669,000	3	133
WASIL	4,300	1,135,000	2	115
Micro Options	4,000	768,000	5	115
VDO	3,900	489,000	3	133
SVDP	3,900	811,000	13	133
SRDO	3,500	766,000	4	115
OSDI	2,000	923,000	3	115
APMBL	1,800	1,401,000	3	115
BEDF	1,400	209,000	3	133
KCDO	800	94,000	1	133

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

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Total Borrrowers of Samples


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