2. Confiar
Please note that the information you are viewing is 159 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. CETZAM
Please note that the information you are viewing is 156 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

CONFIAR Cooperativa Financiera Calle 52 N° 49-40Medellin, Antioquia
Data approved: 2011-03-15
Data version: 1
Age of data: 159 months

Institution

CETZAM Financial Services PLC CETZAM HousePrivate Bag E760Lusaka10101
Data approved: 2011-12-12
Data version: 1
Age of data: 156 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addresshttp://www.confiar.coop/
Year established1972
Head of InstitutionOswaldo Gómez
Regions active
# Branches37

Total Portfolio (nat'l)COP 311,910,000,000
Total Portfolio (USD)USD 171,379,120.90
Active clients with loans43,877
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addressN/A
Year established1996
Head of InstitutionDyson Mandivenga
Regions active
# Branches5

Total Portfolio (nat'l)ZMK 15,315,329,318
Total Portfolio (USD)USD 2,959,483.93
Active clients with loans6,399
Approximate % female clients60% - 80%
Approximate % urban clients60% - 80%
Network affiliationsAMIZ, Opportunity International Network, AMT, INAFI
FundersDevelopment Aid from People to People (DAPP), HIVOS

Loan Products » Summary

Especial
421 Borrowers
Portfolio
Active Product
Aportes
1,393 Borrowers
USD 970,769.50 Portfolio
Active Product
Credifacil
15,313 Borrowers
Portfolio
Active Product
Productivo
7,624 Borrowers
Portfolio
Active Product
Ordinario
15,774 Borrowers
USD 51,609,128.83 Portfolio
Active Product
Social VIS
3,031 Borrowers
USD 25,620,025.27 Portfolio
Active Product
Especial
275 Borrowers
USD 3,793,406.59 Portfolio
Active Product

Loan Products » Summary

Agriculture
527 Borrowers
USD 102,699.48 Portfolio
Active Product
Individual
1,909 Borrowers
USD 1,635,389.80 Portfolio
Active Product
Sol Group
2,729 Borrowers
USD 444,139.75 Portfolio
Active Product
Trust Bank
1,548 Borrowers
USD 28,206.06 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Crédito Especial COP 258,000 - 5,869,000 1 - 60 0% 0% Any Purpose Women, Men
CrediAportes COP 258,000 - 8,569,000 6 - 36 40% - 60% 40% - 60% Any Purpose Women, Men, Debe ser Asociado de la Cooperativa. Credit Ins
Credifacil COP 267,800 - 34,814,000 6 - 60 0% 0% Any Purpose Women, Men
Microcredit Productivo COP 268,000 - 64,272,000 6 - 60 0% 0% Any Purpose Women, Men
Ordinario COP 535,600 - 38,625,000 6 - 60 40% - 60% 40% - 60% Any Purpose Women, Men Credit Ins
Vivienda de Interés Social VIS COP 7,000,000 - 57,845,000 60 - 144 40% - 60% 40% - 60% Business, Para compra o construcción de Vivienda Women, Men Credit Ins
Vivienda Especial COP 35,000,000 - 84,975,000 60 - 120 40% - 60% 40% - 60% Housing, Para compra o construcción de Vivienda., Activo Fijo Women, Men Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Agriculture Loan ZMK 800,000 - 2,000,000 3 - 6 60% - 80% 0% - 20% Business, Agriculture activities Women, Men, Have business Credit Educ, Group Mtgs, Tech Asst Visits, Business Training, Other Training
Individual Loan ZMK 2,000,000 - 250,000,000 3 - 24 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, Tech Asst Visits, Business Training
Solidarity Group Loan ZMK 1,000,000 - 5,000,000 3 - 10 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, Tech Asst Visits
Trust Bank Loan ZMK 50,000 - 1,500,000 4 60% - 80% 60% - 80% Business Women, Men, Have business Credit Educ, 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
Crédito Especial 7.3%-14.5% annual, Decl Bal 0 Fees 0 Ins None N/A 9.2% - 14.5% 11.5% - 14.7% 58
CrediAportes 11.0%-13.8% annual, Decl Bal 1 Fee 0 Ins None 52,000.00 upfront 12.3% - 17.6% 12.5% - 18.8% 74
Credifacil 14.4%-15.0% annual, Decl Bal 1 Fee 0 Ins None N/A 14.1% - 19.6% 14.1% - 20.9% 82
Microcredit Productivo 16.8%-24.0% annual, Decl Bal 1 Fee 0 Ins None N/A 20.3% - 30.8% 20.3% - 37.1% 63
Ordinario 16.8%-18.0% annual, Decl Bal 1 Fee 1 Ins None 52,000.00 upfront 17.8% - 20% 18.2% - 21.6% 86
Vivienda de Interés Social VIS 12.4% annual, Decl Bal 0 Fees 2 Ins None 258,000.00 upfront 12.2% 12.7% - 13.5% 95
Vivienda Especial 15.0% annual, Decl Bal 0 Fees 1 Ins None 515,000.00 upfront 14% 14.9% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 48.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 63.8% - 64.2% 73.5% - 74% 65
Individual Loan 60.0%-78.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 138.3% - 141.3% 167.4% - 177.5% 34
Solidarity Group Loan 72.0%-78.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 138.1% - 143.8% 165.7% - 171.5% 42
Trust Bank Loan 60.0% annual, Flat 2 Fees 1 Ins None 10.0% upfront 179.3% - 198% 213.7% - 243.9% 26

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito Especial 7.3%-14.5% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 9.2% - 14.5% 11.5% - 14.7% 58
CrediAportes 11.0%-13.8% annual, Decl Bal 1 Fee 0 Ins Ins None 52,000.00 upfront 12.3% - 17.6% 12.5% - 18.8% 74
Credifacil 14.4%-15.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 14.1% - 19.6% 14.1% - 20.9% 82
Microcredit Productivo 16.8%-24.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 20.3% - 30.8% 20.3% - 37.1% 63
Ordinario 16.8%-18.0% annual, Decl Bal 1 Fee 1 Ins Ins None 52,000.00 upfront 17.8% - 20% 18.2% - 21.6% 86
Vivienda de Interés Social VIS 12.4% annual, Decl Bal 0 Fees 2 Ins Ins None 258,000.00 upfront 12.2% 12.7% - 13.5% 95
Vivienda Especial 15.0% annual, Decl Bal 0 Fees 1 Ins Ins None 515,000.00 upfront 14% 14.9% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Agriculture Loan 48.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 63.8% - 64.2% 73.5% - 74% 65
Individual Loan 60.0%-78.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 138.3% - 141.3% 167.4% - 177.5% 34
Solidarity Group Loan 72.0%-78.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 138.1% - 143.8% 165.7% - 171.5% 42
Trust Bank Loan 60.0% annual, Flat 2 Fees 1 Ins Ins None 10.0% upfront 179.3% - 198% 213.7% - 243.9% 26
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