2. Espoir
Please note that the information you are viewing is 174 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: 174 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.espoir.org.ec/
Year established2002
Head of InstitutionDr. Guillero José Francisco Moreno Oleas
Regions active
# Branches6

Total Portfolio (nat'l)USD 21,264,263
Total Portfolio (USD)USD 21,264,263
Active clients with loans56,896
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Loan Products » Summary

Comunal
52,471 Borrowers
USD 13,907,941 Portfolio
Active Product
Emergente
6,175 Borrowers
USD 1,687,779 Portfolio
Active Product
Empresarial
1,635 Borrowers
USD 2,414,152 Portfolio
Active Product
Mejor
773 Borrowers
USD 404,805 Portfolio
Active Product
Minorista
1,094 Borrowers
USD 2,621,383 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Crédito de Banca Comunal USD 350 - 1,800 4 - 6 80% - 100% 40% - 60% Business Women, Men, Hombres solo si representan el 20% del total de miembros de grupo Credit Educ, Group Mtgs, Business Training, Other Training
Crédito Emergente USD 100 - 500 2 - 6 80% - 100% 40% - 60% Business, Other Women, Men, Have business Credit Ins
Crédito Empresarial USD 1,000 - 8,000 12 - 36 60% - 80% 40% - 60% Business Women, Men, Have business, Specific age group
Crédito Vivamos Mejor USD 200 - 1,000 2 - 12 80% - 100% 40% - 60% Housing Women, Men, Have business, Have home or land
Microcrédito Individual Minorista USD 1,000 - 8,000 12 - 36 60% - 80% 20% - 40% Business, Education Women, Men, Have business Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito de Banca Comunal 24.3%-26.8% annual, Flat 0 Fees 0 Ins None 10.0% upfront 24.7% - 27.6% 30.1% - 34% 73
Crédito Emergente 26.9% annual, Decl Bal 0 Fees 0 Ins None N/A 26.7% - 26.9% 26.7% - 26.9% 100
Crédito Empresarial 24.5% annual, Decl Bal 0 Fees 0 Ins None N/A 24.5% - 28.9% 24.5% - 28.9% 90
Crédito Vivamos Mejor 26.9% annual, Flat 0 Fees 0 Ins None N/A 26.7% - 26.8% 26.7% - 26.8% 100
Microcrédito Individual Minorista 24.5%-26.9% annual, Decl Bal 0 Fees 0 Ins None N/A 26.9% - 28.9% 26.9% - 28.9% 88
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessHousingMultipleLoan PurposeEspoirInstitutionEC-027-V01-P01EC-027-V01-P02EC-027-V01-P03EC-027-V01-P04EC-027-V01-P05ProductECCountry2010YearRange Number1Institution Data Version02,0004,0006,0008,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 26,00019,00013,0006,500700Number of Borrowers** Note: not all bubble sizes in this graph represent number of borrowers, as some samples do not have this data available. These bubbles are shown as a uniform small size. The pop-up text on each bubble will indicate the product scale and the sample scale.
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  2. BRAC^P
Please note that the information you are viewing is 117 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

BRAC PAKISTAN House # 397, Street # 13, Sector # F-10/2, Islamabad,PakistanIslamabad, Capital4600
Data approved: 2015-04-30
Data version: 1
Age of data: 117 months

Product

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Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 1,049,017,866
Portfolio (USD)USD 10,301,355.44
Active Clients with Loans53,850
Approximate % Female Clients100%
Approximate % Urban Clients40% - 60%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Provided to poor Household women.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculturex
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetingsx
Credit insurance
Workplace visitsx
Business trainingx
Other trainingx
Other
Other (2)
No other services
Eligibility
Men
Womenx
Must run a business
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 institution3
# Regions for this product3
Regions ActiveBalochistan, Punjab, Sindh

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 20,000
Maximum loan size150,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,0000
PKR 10,000-25,00040%
PKR 25,000-50,00050%
PKR 50,000-75,0005%
PKR 75,000-150,0005%
Greater than PKR 150,0005%
Loan Term and Grace Period
Shortest loan term6.0 months
Longest loan term12.0 months
Approx average9.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months5%
Between 7 and 9 months5%
Between 10 and 12 months90%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage100%
Average grace period0.5 months
Repayment Frequency
Daily
Weeklyx
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 interest22.00%
Highest quoted nominal interest22.00%
Interest rate periodYearly
Interest Rate Calculation MethodFlat
Subsidized by funder request?Yes
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLoan renewal fee
% of loan amount - min0
% of loan amount - max0
OR, Fixed amount - min50
Fixed amount - max50
Reason for variationN/A
Appears on Repayment Sched?Yes
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 forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?No
Do borrowers control deposit in their group?No
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositEnd Term
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Micro Finance samples
Type of Sample
Grace Period (Months)
Full APR (int fee ins tax dep)
True Price by Component
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 30,000 Real 2015-03-09 12.2 months N/A PKR 6,650 44.7% 37.1% 0.3% 0.0% 0.0% 7.3% 49 PDF PDF
PKR 30,000 Generated 2015-06-01 11.5 months N/A PKR 6,378.77 43.2% 36.1% 0.3% 0.0% 0.0% 6.8% 51 - PDF
PKR 20,000 Real 2015-03-27 12.1 months N/A PKR 4,450 45.9% 38.0% 0.4% 0.0% 0.0% 7.5% 48 PDF PDF
PKR 20,000 Generated 2015-06-01 11.5 months N/A PKR 4,269.18 43.4% 36.1% 0.5% 0.0% 0.0% 6.8% 51 - PDF
PKR 21,000 Generated 2015-06-01 5.5 months N/A PKR 2,176.47 40.1% 33.3% 0.8% 0.0% 0.0% 6.0% 55 - PDF
PKR 22,000 Generated 2015-06-01 11.5 months N/A PKR 4,691.10 43.3% 36.1% 0.5% 0.0% 0.0% 6.7% 51 - PDF
PKR 25,000 Generated 2015-06-01 8.5 months N/A PKR 3,967.81 42.5% 35.4% 0.5% 0.0% 0.0% 6.6% 52 - PDF
PKR 30,000 Generated 2015-06-01 11.5 months N/A PKR 6,378.77 43.2% 36.1% 0.3% 0.0% 0.0% 6.8% 51 - PDF
PKR 40,000 Generated 2015-06-01 11.5 months N/A PKR 8,488.36 43.1% 36.1% 0.3% 0.0% 0.0% 6.7% 51 - PDF
PKR 80,000 Generated 2015-06-01 11.5 months N/A PKR 16,926.71 42.9% 36.1% 0.1% 0.0% 0.0% 6.7% 51 - PDF
Micro Finance Price Graphs
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeMultipleLoan PurposeBRAC^PInstitutionPK-005-V01-P01ProductPKCountry2015YearRange Number1Institution Data Version020,00040,00060,00080,000Loan Size (all)0%10%20%30%40%50%Full APR (int fee ins tax dep)> 24,00018,00012,0006,000600Number of Borrowers
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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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