2. Espoir
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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: 172 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
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  2. Micro Options
Please note that the information you are viewing is 115 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Micro Options Mohallah Hussainiya, Thaneel RoadChakwal, Punjab
Data approved: 2015-05-05
Data version: 2
Age of data: 115 months
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Product

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Product Details

Key Statistics
Outstanding portfolio (PKR)PKR 39,106,650
Portfolio (USD)USD 384,027.30
Active Clients with Loans1,831
Approximate % Female Clients40% - 60%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Live Stock, Breeding, Rearing etc.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetingsx
Credit insurance
Workplace visitsx
Business training
Other trainingx
Other
Other (2)
No other services
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 institution2
# Regions for this product1
Regions ActivePunjab

Loan Conditions

Loan Amount
CurrencyPKR
Minimum loan sizePKR 5,000
Maximum loan size75,000
Distribution at Disbursement (Est.)
Loans less than PKR 10,00010%
PKR 10,000-25,00030%
PKR 25,000-50,00040%
PKR 50,000-75,00020%
PKR 75,000-150,0000
Greater than PKR 150,0000
Loan Term and Grace Period
Shortest loan term12.0 months
Longest loan term12.0 months
Approx average12.0 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months0
Between 7 and 9 months0
Between 10 and 12 months100%
Between 13 and 18 months0
Longer than 18 months0
Grace Period
Grace period usage10%
Average grace period1.0 month
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 monthsx
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest26.00%
Highest quoted nominal interest31.00%
Reason(s) why interest rate variesTime as Client
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionLOAN PROCESSING FEE
% of loan amount - min3.00%
% of loan amount - max3.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationVaries on loan size
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 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

Full Pricing Data

Livestock Loan samples
Loan Amount
Type of Sample
Disbursement Date
Loan Term (Months)
Grace Period (Months)
Total Cost of Credit
Full APR (int fee ins tax dep)
True Price by Component
Transparency Index
Original Repayment Schedule
MFT Pricing Calculation
Interest price component
Fee Component
Insurance Component
Tax Component
Deposit Component
PKR 25,000 Real 2015-03-25 12.0 months N/A PKR 6,982 34.0% 29.8% 4.2% 0.0% 0.0% 0.0% 77 PDF PDF
PKR 25,000 Generated 2015-06-01 11.8 months N/A PKR 6,618.57 33.1% 28.9% 4.2% 0.0% 0.0% 0.0% 79 - PDF
PKR 20,000 Real 2015-03-25 12.0 months N/A PKR 5,366 32.9% 28.7% 4.2% 0.0% 0.0% 0.0% 79 PDF PDF
PKR 20,000 Generated 2015-06-01 11.8 months N/A PKR 5,294.86 33.1% 28.9% 4.2% 0.0% 0.0% 0.0% 79 - PDF
PKR 26,000 Generated 2015-06-01 11.8 months N/A PKR 6,883.32 33.1% 28.9% 4.2% 0.0% 0.0% 0.0% 79 - PDF
PKR 30,000 Generated 2015-06-01 11.8 months N/A PKR 7,942.29 33.1% 28.9% 4.2% 0.0% 0.0% 0.0% 79 - PDF
PKR 40,000 Generated 2015-06-01 11.8 months N/A PKR 10,589.72 33.1% 28.9% 4.2% 0.0% 0.0% 0.0% 79 - PDF
PKR 50,000 Generated 2015-06-01 11.8 months N/A PKR 13,237.15 33.1% 28.9% 4.2% 0.0% 0.0% 0.0% 79 - PDF
PKR 60,000 Generated 2015-06-01 11.8 months N/A PKR 15,884.58 33.1% 28.9% 4.2% 0.0% 0.0% 0.0% 79 - PDF
PKR 65,000 Generated 2015-06-01 11.8 months N/A PKR 17,208.29 33.1% 28.9% 4.2% 0.0% 0.0% 0.0% 79 - PDF
Livestock Loan Price Graphs


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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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