2. Confiar
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  2. FINCA Zambia
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Institution

CONFIAR Cooperativa Financiera Calle 52 N° 49-40Medellin, Antioquia
Data approved: 2011-03-15
Data version: 1
Age of data: 160 months

Institution

Foundation for International Community Assistance (FINCA) Stand No. 4513 Madzimoyo Road, NorthmeadLusaka, Lusaka Province50061
Data approved: 2011-12-12
Data version: 1
Age of data: -   months 
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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 TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.finca.org/
Year established2001
Head of InstitutionKeith Gary Sandbloom
Regions active0
# Branches7

Total Portfolio (nat'l)ZMK 17,703,826,092
Total Portfolio (USD)USD 3,421,029.20
Active clients with loans14,879
Approximate % female clients60% - 80%
Approximate % urban clients80% - 100%
Network affiliationsFINCA International
FundersInternational donors

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

Business
1,997 Borrowers
USD 1,810,030.98 Portfolio
Active Product
Small Grp
3,112 Borrowers
USD 642,313.60 Portfolio
Active Product
Village
15,727 Borrowers
USD 884,262.61 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
Business Loan ZMK 1,500,000 - 50,000,000 4 - 12 40% - 60% 80% - 100% Business Women, Men, Have business, Must have a valid National Registration Card, Must have business or personal assets to pledge Tech Asst Visits, Credit Life Assurance and funeral benefits
Small Group Loans ZMK 1,200,000 - 10,000,000 6 - 12 60% - 80% 80% - 100% Business Women, Men, Have business, Must have a valid National Registration Card, Must be part of a selt selected group Funeral Benefits
Village Banking ZMK 150,000 - 7,000,000 4 - 6 60% - 80% 80% - 100% Business Women, Men, Have business, Have a valid National Registration Card, Be part of a self selected group Tech Asst Visits, Business Training, Other Training, Funeral benefits

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
Business Loan 48.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 92.2% - 93.3% 116.5% - 118.4% 41
Small Group Loans 60.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 106% - 111.9% 133.3% - 140.6% 43
Village Banking 66.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 12,000.00 ongoing 127.6% 201.8% - 347.5% 27

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
Business Loan 48.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 92.2% - 93.3% 116.5% - 118.4% 41
Small Group Loans 60.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 106% - 111.9% 133.3% - 140.6% 43
Village Banking 66.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 12,000.00 ongoing 127.6% 201.8% - 347.5% 27
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