Institution Type | Credit Union / Cooperative |
Is this institution regulated? | No |
Website address | N/A |
Year established | 1998 |
Head of Institution | Verónica Albarracín |
Regions active | |
# Branches | 5 |
Total Portfolio (nat'l) | USD 10,020,807 |
Total Portfolio (USD) | USD 10,020,807 |
Active clients with loans | 5,383 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 40% - 60% |
Network affiliations | Red Financiera Rural, Red Nacional de Finanzas Populares y Solidarias del Ecuador, Conzorcio Etimos |
Funders | Fondo Hivos Triodos, Red Nacional de Finanzas Populares y Solidarias del Ecuador, Conzorcio Etimos |
Institution Type | Non Bank Financial Institution |
Is this institution regulated? | Yes |
Website address | N/A |
Year established | 1991 |
Head of Institution | Chea Phalarin |
Regions active | 0 |
# Branches | 48 |
Total Portfolio (nat'l) | 0 |
Total Portfolio (USD) | 0 |
Active clients with loans | 226,434 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 0% - 20% |
Network affiliations | |
Funders |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédito microempresa | USD 80 - 10,000 | 3 - 36 | 40% - 60% | 40% - 60% | Any Purpose | Women, Men, Have business | Credit Ins | |||||||
Desarrollo Familiar | USD 80 - 10,000 | 3 - 36 | 40% - 60% | 60% - 80% | Any Purpose | Women, Men, Salaried worker, Beneficiario de una jubilación, monte pio o similares. | Credit Ins |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Biodigester Loan (USD) | USD 150 - 1,000 | 3 - 24 | 20% - 40% | 20% - 40% | Any Purpose | Women, Men, Have business, Have home or land, Salaried worker | ||||||||
Business Loan (KHR) | KHR 1,000,000 - 40,000,000 | 3 - 24 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business, Have home or land | ||||||||
Business Loan (USD) | USD 100 - 10,000 | 0 | 60% - 80% | 20% - 40% | Business | Women, Men | ||||||||
Consumption Loan (KHR) | KHR 1,000,000 - 20,000,000 | 3 - 24 | 60% - 80% | 20% - 40% | Consumer, Education | Women, Men, Have business, Have home or land, Salaried worker | ||||||||
Consumption Loan (USD) | USD 100 - 5,000 | 3 - 24 | 60% - 80% | 20% - 40% | Consumer, Education | Women, Men, Have business, Have home or land, Salaried worker | ||||||||
Home Improvement Loan (KHR) | KHR 1,000,000 - 40,000,000 | 3 - 36 | 60% - 80% | 20% - 40% | Housing | Women, Men, Have business, Have home or land, Salaried worker | ||||||||
Home Improvement Loan (USD) | USD 100 - 10,000 | 3 - 36 | 60% - 80% | 20% - 40% | Housing | Women, Men, Have business, Have home or land, Salaried worker | ||||||||
Solidarity Credit Loan (KHR) | KHR 5,000 - 1,000,000 | 6 - 12 | 80% - 100% | 0% - 20% | Any Purpose | Women, Men |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédito microempresa | 22.9% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 17.3% - 25.4% | 18% - 26.2% | 96 | ||||||||
Desarrollo Familiar | 15.1% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 15.3% - 15.5% | 15.6% - 16.8% | 94 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Biodigester Loan (USD) | 14.4% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Business Loan (KHR) | 30.0%-42.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Business Loan (USD) | 2.5%-3.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Consumption Loan (KHR) | 30.0%-42.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Consumption Loan (USD) | 22.8%-37.2% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Home Improvement Loan (KHR) | 30.0%-42.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Home Improvement Loan (USD) | 21.6%-37.2% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 0% | 0% | N/A | ||||||||
Solidarity Credit Loan (KHR) | 36.0%-42.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 0% | 0% | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédito microempresa | 22.9% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 17.3% - 25.4% | 18% - 26.2% | 96 | ||||||||
Desarrollo Familiar | 15.1% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 15.3% - 15.5% | 15.6% - 16.8% | 94 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Biodigester Loan (USD) | 14.4% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
Business Loan (KHR) | 30.0%-42.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
Business Loan (USD) | 2.5%-3.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
Consumption Loan (KHR) | 30.0%-42.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
Consumption Loan (USD) | 22.8%-37.2% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
Home Improvement Loan (KHR) | 30.0%-42.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
Home Improvement Loan (USD) | 21.6%-37.2% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 0% | 0% | N/A | ||||||||
Solidarity Credit Loan (KHR) | 36.0%-42.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 0% | 0% | N/A |
Key Statistics | |
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# 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 |
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