2. FONDECO
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  2. ARDCI
Please note that the information you are viewing is 163 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

FONDECO Calle Pico de Monte # 121Santa Cruz de la Sierra, Santa Cruz
Data approved: 2010-10-28
Data version: 1
Age of data: -   months 
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Institution

ARDCI NGO Group, Inc. Sta. ElenaVirac, Catanduanes4800
Data approved: 2011-11-16
Data version: 1
Age of data: 163 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.fondeco.org/
Year established1995
Head of InstitutionMaría Eugenia Moscoso
Regions active0
# Branches0

Total Portfolio (nat'l)BOB 68,682,039
Total Portfolio (USD)USD 10,026,575.04
Active clients with loans12,465
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliationsINAFI, GRAMEEN, FINRURAL
Funders

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.ardci.org/
Year established1995
Head of InstitutionVictor T. Bernal
Regions active
# Branches28

Total Portfolio (nat'l)PhP 388,548,183
Total Portfolio (USD)USD 9,295,411.08
Active clients with loans45,967
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliations
FundersEuropean Union, Department of Agriculture

Loan Products » Summary

Comunales
9,147 Borrowers
USD 2,433,464.67 Portfolio
Active Product
Micro USD
2,560 Borrowers
USD 6,524,464 Portfolio
Active Product
Micro BOB
758 Borrowers
USD 954,349.05 Portfolio
Active Product

Loan Products » Summary

Micro
44,667 Borrowers
USD 9,403,105.02 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Fondos Comunales BOB 500 - 10,000 6 - 12 60% - 80% 20% - 40% Any Purpose Women, Men, Cada grupo deber estar compuesto por al menos 75% de mujeres Group Mtgs, Credit Ins, Other Training, Adiestramiento sobre la tecnología de banca comunal y el manejo del crédito
Microcredito - USD USD 500 - 105,000 3 - 60 20% - 40% 0% - 20% Business, Housing, Consumer Women, Men Credit Ins
Microcredito - BOB BOB 3,500 - 735,000 3 - 84 20% - 40% 0% - 20% Business, Housing, Consumer, Education Women, Men, Have business Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Micro Business (MB) PHP 10,000 - 200,000 3 - 12 60% - 80% 20% - 40% Business Women, Men Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Fondos Comunales 28.0%-32.0% annual, Decl Bal 1 Fee 0 Ins None 10.0% upfront 15.00% ongoing 0% 0% N/A
Microcredito - USD 13.0%-36.0% annual, Decl Bal 2 Fees 0 Ins 15.00% Principal N/A 0% 0% N/A
Microcredito - BOB 13.0%-36.0% annual, Decl Bal 2 Fees 0 Ins None N/A 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Business (MB) 24.0% annual, Flat 0 Fees 2 Ins None 10.0% upfront 30.00 ongoing 44.2% - 46.3% 58.5% - 75.7% 37

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Fondos Comunales 28.0%-32.0% annual, Decl Bal 1 Fee 0 Ins Ins None 10.0% upfront 15.00% ongoing 0% 0% N/A
Microcredito - USD 13.0%-36.0% annual, Decl Bal 2 Fees 0 Ins Ins 15.00% Principal N/A 0% 0% N/A
Microcredito - BOB 13.0%-36.0% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Micro Business (MB) 24.0% annual, Flat 0 Fees 2 Ins Ins None 10.0% upfront 30.00 ongoing 44.2% - 46.3% 58.5% - 75.7% 37
Institution Price Graph
Microloan Products offered in BOB0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeAnyMultipleLoan PurposeFONDECOInstitutionBO-015-V01-P01BO-015-V01-P03ProductBOCountry2010YearRange Number1Institution Data Version020,00040,00060,00080,000100,000Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 4,5003,4002,2001,100100Number 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.
Microloan Products offered in USD0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeFONDECOInstitutionBO-015-V01-P02ProductBOCountry2010YearRange Number1Institution Data Version05,00010,00015,000Loan Size (all)0%10%20%30%Full APR (int fee ins tax dep)> 50020020Number 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.
Click to view Price Analysis Tool
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeARDCIInstitutionPH-006-V01-P01ProductPHCountry2011YearRange Number1Institution Data Version020,00040,00060,00080,000Loan Size (all)0%20%40%60%80%Full APR (int fee ins tax dep)> 8,9006,7004,4002,200200Number 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.
Click to view Price Analysis Tool
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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
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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