| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | Yes |
| Website address | http://www.coopfatima.com/ |
| Year established | 1962 |
| Head of Institution | OSCAR MANUEL CORONADO ESPINOZA |
| Regions active | |
| # Branches | 5 |
| Total Portfolio (nat'l) | BOB 259,281,693 |
| Total Portfolio (USD) | USD 38,412,102.67 |
| Active clients with loans | 5,240 |
| Approximate % female clients | 20% - 40% |
| Approximate % urban clients | 80% - 100% |
| Network affiliations | Nacional |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito Oro (Bs) | BOB 70,000 - 70,000 | 60 | 0% - 20% | 80% - 100% | Any Purpose | Women, Men, Have business, Salaried worker | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
| CREDITO A SOLA FIRMA | BOB 35,000 - 75,000 | 36 - 60 | 0% - 20% | 80% - 100% | Any Purpose | Women, Men, Have business, Have home or land, Salaried worker | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
| DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL | BOB 7,000 - 63,000 | 36 - 60 | 40% - 60% | 20% - 40% | Any Purpose | Women, Men, Have business, Salaried worker | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
| DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA | USD 1,000 - 50,000 | 24 - 96 | 0% - 20% | 80% - 100% | Any Purpose | Women, Men, Have business, Have home or land, Salaried worker, Specific age group | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
| Diamante - USD | USD 1,001 - 15,000 | 60 | 40% - 60% | 80% - 100% | Any Purpose | Women, Men, Have business, Have home or land, Salaried worker | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
| Garantía Cruzada (Bs.) | BOB 7,000 - 35,000 | 36 - 60 | 0% - 20% | 80% - 100% | Any Purpose | Women, Men, Salaried worker, Specific age group | Credit Educ, Credit Ins, Tech Asst Visits | |||||||
| HIPOTECARIO DE VIVIENDA | USD 10,000 - 140,000 | 120 - 180 | 0% - 20% | 80% - 100% | Business, Housing | Women, Men, Have business, Have home or land, Salaried worker | Credit Educ, Credit Ins, Tech Asst Visits |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito Oro (Bs) | 16.0% annual, Decl Bal | 1 Fee | 0 Ins | 24.00 fixed | 50.00 upfront | 16.9% | 17.6% | 91 | ||||||||
| CREDITO A SOLA FIRMA | 18.0% annual, Decl Bal | 1 Fee | 0 Ins | 24.00 fixed | 50.00 upfront | 19% - 19.3% | 19.7% - 20.5% | 90 | ||||||||
| DE CONSUMO Y MIC. CRED. CON GTIA. PERSONAL | 16.0%-18.0% annual, Decl Bal | 1 Fee | 0 Ins | 24.00 fixed | 50.00 upfront | 16.9% - 19% | 17.7% - 25.9% | 74 | ||||||||
| DE CONSUMO Y MIC. CREDITO CON GTIA. HIPOTECARIA | 13.0%-15.0% annual, Decl Bal | 2 Fees | 0 Ins | 3.00 fixed | 10.00 upfront | 13.9% - 15.9% | 14.4% - 22.5% | 75 | ||||||||
| Diamante - USD | 16.0% annual, Decl Bal | 1 Fee | 0 Ins | 3.00 fixed | 10.0% upfront | 16.9% - 17% | 17.3% - 17.4% | 92 | ||||||||
| Garantía Cruzada (Bs.) | 18.0%-20.0% annual, Decl Bal | 1 Fee | 0 Ins | 24.00 fixed | 50.00 upfront | 20.7% - 21% | 23.9% - 27.8% | 71 | ||||||||
| HIPOTECARIO DE VIVIENDA | 10.0%-13.0% annual, Decl Bal | 2 Fees | 0 Ins | 3.00 fixed | N/A | 13.2% - 13.9% | 14.2% - 14.4% | 70 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| AGFS | 200 | 47,000 | 2 | 162 |
| Ahantaman RB | 23,800 | 9,896,000 | 4 | 144 |
| APED | 13,700 | 1,876,000 | 2 | 144 |
| ASA Initiative | 4,400 | 577,000 | 4 | 144 |
| ASA-Ghana | 71,600 | 18,385,000 | 2 | 144 |
| ASPI | 800 | 88,000 | 6 | 144 |
| Atwima Kwanwoma | 3,800 | 1,788,000 | 2 | 144 |
| Baobab | 5,100 | 967,000 | 2 | 144 |
| BestFUND | 13,000 | 4,172,000 | 3 | 144 |
| Bonzali Rural | 10,400 | 1,691,000 | 4 | 162 |
| CashPhase | 83 | 135,000 | 2 | 144 |
| CASUD | 1,100 | 524,000 | 1 | 144 |
| CEDEF | 500 | 54,000 | 4 | 144 |
| CFF | 100 | 13,000 | 1 | 144 |
| CRAN | 3,600 | 1,019,000 | 2 | 144 |
| DQF | 1,700 | 63,000 | 2 | 144 |
| EASL | 9,200 | 11,409,000 | 6 | 144 |
| East Mamprusi | 12,500 | 2,268,000 | 4 | 144 |
| ELDA | 0 | 0 | 0 | 144 |
| EMPRETEC Ghana | 200 | 56,000 | 2 | 144 |
| FASL | 13,500 | 14,047,000 | 8 | 144 |
| Grameen Ghana | 9,500 | 507,000 | 3 | 144 |
| ID-Ghana | 5,600 | 953,000 | 3 | 144 |
| Innovative Finance | 2,700 | 354,000 | 3 | 144 |
| Kraban Support | 7,700 | 781,000 | 5 | 162 |
| KRB | 4,000 | 6,350,000 | 3 | 144 |
| Lower Pra RB | 34,000 | 6,316,000 | 3 | 162 |
| Maata-N-Tudu | 12,000 | 941,000 | 4 | 144 |
| Mail Finance | 300 | 288,000 | 1 | 144 |
| Markaz | 0 | 0 | 0 | 144 |
| Markaz Al Bishara | 100 | 17,000 | 1 | 144 |
| MicrofinPlus Gh | 1,100 | 251,000 | 2 | 144 |
| Nwabiagya RB | 4,000 | 2,265,000 | 3 | 144 |
| OISL | 62,000 | 27,232,000 | 9 | 144 |
| Pro Credit | 0 | 0 | 0 | 144 |
| Rich Step | 100 | 101,000 | 1 | 144 |
| SAT | 147,600 | 29,359,000 | 4 | 144 |
| Sekam Trust | 600 | 137,000 | 2 | 144 |
| Simli Pong | 8,900 | 463,000 | 3 | 162 |
| SS Ghana | 200 | 35,000 | 1 | 144 |
| TCCU | 100 | 32,000 | 3 | 144 |
| The Bridge | 400 | 32,000 | 3 | 162 |
| Union RB | 3,800 | 2,361,000 | 4 | 144 |
| 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 |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
|---|---|---|---|---|---|---|---|
