| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | No |
| Website address | http://WWW.COACSANMIGUEL.FIN.EC/ |
| Year established | 1995 |
| Head of Institution | SULEMA PIZARRO CANDO |
| Regions active | |
| # Branches | 3 |
| Total Portfolio (nat'l) | USD 4,602,402.64 |
| Total Portfolio (USD) | USD 4,602,402.64 |
| Active clients with loans | 1,953 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito de Consumo | USD 250 - 8,000 | 4 - 30 | 20% - 40% | 40% - 60% | Any Purpose | Women, Men, Salaried worker | Credit Ins | |||||||
| Credito de Vivienda | USD 8,001 - 17,000 | 38 - 58 | 20% - 40% | 60% - 80% | Housing, Compra de terreno, casa, apartamentos, Construccion y mejora de casa | Women, Men, Have business, Have home or land, Salaried worker | Credit Ins | |||||||
| Micro Juanita Individual | USD 250 - 17,000 | 4 - 56 | 40% - 60% | 60% - 80% | Business | Women, Men, Have business, DEPENDE DEL MONTO PRESENTA COPIAS DE UN BIEN INMUEBLE. | Credit Ins | |||||||
| Microcreditos | USD 250 - 17,000 | 4 - 56 | 20% - 40% | 60% - 80% | Business | Women, Men, Have business, DEPENDE DEL MONTO PRESENTA COPIAS DEL BIEN INMUEBLE. | Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Credito de Consumo | 15.2% annual, Decl Bal | 0 Fees | 1 Ins | None | 9.0% upfront | 15.4% | 18.7% - 19.2% | 79 | ||||||||
| Credito de Vivienda | 10.8% annual, Decl Bal | 1 Fee | 0 Ins | None | 9.0% upfront | 10.9% | 13.8% | 78 | ||||||||
| Micro Juanita Individual | 20.0%-26.9% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 20.3% | 21% | 95 | ||||||||
| Microcreditos | 20.0%-26.9% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 22.3% - 27.3% | 23.1% - 28% | 80 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| KBL | 468,300 | 120,082,000 | 16 | 112 |
| KF | 233,600 | 41,416,000 | 4 | 111 |
| NRSP | 399,900 | 70,157,000 | 3 | 112 |
| ASA | 230,400 | 29,637,000 | 3 | 112 |
| TMFB | 221,200 | 85,449,000 | 7 | 112 |
| FMFB | 163,544 | 38,481,323 | 9 | 130 |
| TRDP | 100,000 | 13,817,000 | 3 | 112 |
| PRSP | 75,656 | 9,907,176 | 3 | 130 |
| BRAC^P | 57,300 | 11,869,000 | 3 | 112 |
| SRSO | 51,100 | 7,775,000 | 3 | 112 |
| SSF | 46,000 | 4,776,000 | 3 | 112 |
| FINCA | 82,000 | 43,559,000 | 9 | 112 |
| JWS | 36,000 | 6,545,000 | 2 | 112 |
| RCDS | 35,552 | 4,856,122 | 4 | 130 |
| DAMEN | 35,185 | 7,150,864 | 1 | 130 |
| FFO | 22,400 | 3,335,000 | 3 | 112 |
| OLP | 21,400 | 3,510,000 | 3 | 112 |
| CSC | 17,600 | 3,147,000 | 1 | 112 |
| AMRDO | 13,800 | 1,206,000 | 5 | 112 |
| WMBL | 13,800 | 6,105,000 | 3 | 112 |
| Mojaz | 13,400 | 2,415,000 | 2 | 112 |
| SDF | 11,500 | 1,041,000 | 4 | 112 |
| POMFB | 8,500 | 2,795,000 | 4 | 112 |
| OPD | 7,500 | 918,000 | 2 | 112 |
| AGAHE | 7,300 | 797,000 | 2 | 112 |
| NRDP | 6,184 | 1,521,972 | 3 | 130 |
| GBTI | 6,100 | 669,000 | 3 | 130 |
| WASIL | 4,300 | 1,135,000 | 2 | 112 |
| Micro Options | 4,000 | 768,000 | 5 | 112 |
| VDO | 3,900 | 489,000 | 3 | 130 |
| SVDP | 3,900 | 811,000 | 13 | 130 |
| SRDO | 3,500 | 766,000 | 4 | 112 |
| OSDI | 2,000 | 923,000 | 3 | 112 |
| APMBL | 1,800 | 1,401,000 | 3 | 112 |
| BEDF | 1,400 | 209,000 | 3 | 130 |
| KCDO | 800 | 94,000 | 1 | 130 |
| Key Statistics | |
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| % Products with one or more insurances | |
| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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