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Institution

COOPERATIVA DE AHORRO Y CREDITO FATIMA LTDA. CALLE OBISPO PEÑA No 63Santa Cruz, Santa Cruz
Data approved: 2010-10-28
Data version: 1
Age of data: 110 months

Institution

Rich Step Investment Head OfficeTemaKpone, Greater AccraP.O. Box SC116
Data approved: 2013-03-14
Data version: 2
Age of data: 77 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addresshttp://www.coopfatima.com/
Year established1962
Head of InstitutionOSCAR MANUEL CORONADO ESPINOZA
Regions active
# Branches5

Total Portfolio (nat'l)BOB 259,281,693
Total Portfolio (USD)USD 38,412,102.67
Active clients with loans5,240
Approximate % female clients20% - 40%
Approximate % urban clients80% - 100%
Network affiliationsNacional
Funders

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.richstepinvestment.com
Year established2007
Head of InstitutionStephen Dzovor
Regions activeGreater Accra Region
# Branches9

Total Portfolio (nat'l)GHS 200,000
Total Portfolio (USD)USD 101,522.84
Active clients with loans150
Approximate % female clients60% - 80%
Approximate % urban clients80% - 100%
Network affiliationsGHAMFIN, GCSCA
Funders

Loan Products » Summary

141 Borrowers
USD 435,408.15 Portfolio
Active Product
178 Borrowers
USD 1,272,820.15 Portfolio
Active Product
3,341 Borrowers
USD 14,039,596.89 Portfolio
Active Product
1,565 Borrowers
USD 19,300,714 Portfolio
Active Product
458 Borrowers
USD 3,464,515 Portfolio
Active Product
356 Borrowers
USD 1,465,142.52 Portfolio
Active Product
334 Borrowers
USD 4,302,502 Portfolio
Active Product

Loan Products » Summary

150 Borrowers
USD 101,522.84 Portfolio
Active Product

Loan Products » Conditions

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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Petty Traders Loan GHS 50 - 1,000 1 - 5 40% - 60% 80% - 100% Business Women, Men, Have business, Have home or land, Specific age group Group Mtgs, Credit Ins, Other Training

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Petty Traders Loan 60.00%-120.00% annual, Flat 2 Fees 0 None 25.00% upfront 147.3% - 245.4% 259.4% - 420.1% 16

Loan Products » Pricing Information

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 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 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 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 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 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 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 Ins 3.00 fixed N/A 13.2% - 13.9% 14.2% - 14.4% 70

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Petty Traders Loan 60.00%-120.00% annual, Flat 2 Fees 0 None 25.00% upfront 147.3% - 245.4% 259.4% - 420.1% 16
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