2. IRAM
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  2. FUNDAMIC
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Institution

Rede das Caixas Rurais de Nampula Parque dos Continuadores n. 23/BNampula, Nampula
Data approved: 2012-01-21
Data version: 1
Age of data: -   months 
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Institution

FUNDACION DE AYUDA MICROEMPRESARIAL Av. 12 de Octubre N 18-42 y Queseras del MedioQuito, Pichincha
Data approved: 2010-11-08
Data version: 1
Age of data: 176 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addressN/A
Year established2006
Head of InstitutionJose Pascoal Marino
Regions active0
# Branches48

Total Portfolio (nat'l)MT 35,000,000
Total Portfolio (USD)USD 1,129,032.26
Active clients with loans9,827
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliationsIRAM Paris, AMOMIF
FundersSDC/Helvetas, UNCHR

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.fundamic.org/
Year established1995
Head of InstitutionSalomón Caicedo
Regions active
# Branches2

Total Portfolio (nat'l)USD 1,506,920
Total Portfolio (USD)USD 1,506,920
Active clients with loans2,270
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsRed Financiera Rural, Red Internacional de Instituciones Financieras Alternativas INAFI, Consorcio Etimos
FundersETIMOS ITALIA, CRESUD ITALIA, OIKOCREDIT HOLANDA, FINANZAS POPULARES ECUADOR

Loan Products » Summary

Individual
614 Borrowers
USD 70,565 Portfolio
Active Product
Associacoes
1,700 Borrowers
USD 195,323 Portfolio
Active Product
Solidario
7,513 Borrowers
USD 863,145 Portfolio
Active Product

Loan Products » Summary

Grupos
1,174 Borrowers
USD 345,798 Portfolio
Active Product
Individual
860 Borrowers
USD 1,122,574 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credito Individual MZN 6,000 - 300,000 4 - 12 0% - 20% 0% - 20% Any Purpose Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits
Credito para associacoes MZN 10,000 - 40,000 4 - 12 20% - 40% 0% - 20% Agriculture Women, Men
Credito Solidario MZN 2,000 - 20,000 5 - 12 20% - 40% 0% - 20% Agriculture Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Business Training, Other Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
CREDITO GRUPOS SOLIDARIOS USD 300 - 2,000 3 - 18 60% - 80% 0% - 20% Business, Capital de Trabajo Women, Men, Have business Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
CREDITO INDIVIDUAL USD 600 - 3,000 3 - 24 60% - 80% 0% - 20% Business, Capital de Trabajo Women, Men, Have business Group Mtgs, Credit Ins, Tech Asst Visits, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credito Individual 36.0% annual, Decl Bal 0 Fees 1 Ins None N/A 0% 0% N/A
Credito para associacoes 36.0% annual, Decl Bal 0 Fees 1 Ins None N/A 0% 0% N/A
Credito Solidario 30.0% annual, Decl Bal 0 Fees 1 Ins None 5.0% upfront 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
CREDITO GRUPOS SOLIDARIOS 23.9% annual, Decl Bal 1 Fee 0 Ins None 7.0% upfront 7.00% ongoing 22.4% - 23.6% 38.4% - 39.6% 61
CREDITO INDIVIDUAL 13.0%-29.1% annual, Decl Bal 1 Fee 0 Ins None N/A 29.5% 36.7% - 37.4% 35

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credito Individual 36.0% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 0% 0% N/A
Credito para associacoes 36.0% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 0% 0% N/A
Credito Solidario 30.0% annual, Decl Bal 0 Fees 1 Ins Ins None 5.0% upfront 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
CREDITO GRUPOS SOLIDARIOS 23.9% annual, Decl Bal 1 Fee 0 Ins Ins None 7.0% upfront 7.00% ongoing 22.4% - 23.6% 38.4% - 39.6% 61
CREDITO INDIVIDUAL 13.0%-29.1% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 29.5% 36.7% - 37.4% 35
Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.CoopInstitution TypeAgricultureAnyLoan PurposeIRAMInstitutionMZ-012-V01-P01MZ-012-V01-P02MZ-012-V01-P03ProductMZCountry2012YearRange Number1Institution Data Version010,00020,00030,00040,000Loan Size (all)Full APR (int fee ins tax dep)> 2,2001,6001,10050060Number 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.
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Institution Price Graph
0100Pricing Transparency IndexRegulated Inst.Not Regulated Inst.NGOInstitution TypeBusinessLoan PurposeFUNDAMICInstitutionEC-030-V01-P01EC-030-V01-P02ProductECCountry2010YearRange Number1Institution Data Version05001,0001,500Loan Size (all)0%10%20%30%40%Full APR (int fee ins tax dep)> 50020030Number 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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