2. Espoir
Please note that the information you are viewing is 170 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. SISDO
Please note that the information you are viewing is 141 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Fundación para el Desarrollo Integral Espoir Iñaquito No. 1261 y Naciones Unidas Edficio Comandato Torre Iñaquito PenthouseQuito, Pichincha
Data approved: 2010-11-08
Data version: 1
Age of data: 170 months

Institution

Smallholder Irrigation Schemes Development Organization (SISDO) P.O. Box 76622Nairobi
Data approved: 2013-06-25
Data version: 2
Age of data: 141 months
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Product

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Product Summary

Number borrowers1,635
Loan Amount (range)USD 1,000 - 8,000
Loan Term (range)12 - 36
Other Services (text summary)
Annual Interest & Method24.5% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component24.5% - 28.9% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)24.5% - 28.9%
Transparency Index (min/max)71 - 101
Transparency Index (average)90

Product Details

Key Statistics
Outstanding portfolio (USD)USD 2,414,152
Portfolio (USD)USD 2,414,152
Active Clients with Loans1,635
Approximate % Female Clients60% - 80%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Loan designed for simple accumulation micro entrepreneurs, either members or non-members of communal bank. Direct lending from foundation to client.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details


This product either has less than 50 active borrowers or less than 10 loan disbursements over the past 9 months. MFTransparency presents basic data rather than full data for low volume products
Key Statistics
Outstanding portfolio (KES)KES 214,899.19
Portfolio (USD)USD 2,595.40
Active Clients with Loans5
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Description
Targeted to eligible clients who have fallen sick or have an emergency.
Loan Purpose
Any purpose
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household financex
Other
Other (2)
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution5
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 1,000
Maximum loan size8,000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term36.0 months
Approx average14.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest24.54%
Highest quoted nominal interest24.54%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
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
This product has no ongoing insurance fees
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
Additional Comments
EL TIPO DE GARANTIA PUEDE SER: SOBRE FIRMAS, PRENDARIA, HIPOTECARIA

Full Pricing Data

Crédito Empresarial samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 1,000USD 2,000USD 4,000USD 8,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known3
Disbursement Date2010-04-232010-04-192010-06-302010-07-29
Loan Term (Months)12.0 months12.0 months15.0 months24.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component28.9%28.9%24.5%26.8%
Insurance Component0.0%0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)28.9%28.9%24.5%26.8%
Transparency Index858510092
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Crédito Empresarial Price Graphs


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