2. CEPESIU
Please note that the information you are viewing is 165 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. FMM Popayán
Please note that the information you are viewing is 161 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

CEPESIU Veintimilla E10-50 y Av. 12 de OctubreEdificio Quito 12 El Giron Torre W, PenthouseQuito, Pichincha
Data approved: 2010-11-22
Data version: 1
Age of data: 165 months

Institution

Fundación Mundo Mujer Popayán Carrera 11 # 5 - 70Popayán
Data approved: 2011-08-01
Data version: 1
Age of data: 161 months

Product

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Product

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Product Summary

Number borrowers166
Loan Amount (range)USD 500 - 1,500
Loan Term (range)4 - 8
Other Services (text summary)Tech Asst Visits
Annual Interest & Method28.6% annual, Decl Bal
FeesNone
InsuranceNone
TaxNone
Comp Dep12.0% upfront
Range of pricing 
Interest Price ComponentN/A
Fee Component28.9% - 29.0% (Int+Fee)
Insurance Component0
Tax Component Range0
Full APR (int fee ins tax dep)32.9%
Transparency Index (min/max)87 - 188
Transparency Index (average)87

Product Summary

14,880
COP 500,000 - 15,000,000
1 - 24
20.0% annual, Decl Bal
1.00% ongoing
0.40%-1.00% ongoing
None
N/A
 
N/A
21.7% - 23.0% (Int+Fee)
0 - 0.9%
0
22.5% - 23.6%
62 - 89
87

Product Details

Key Statistics
Outstanding portfolio (USD)USD 66,556.84
Portfolio (USD)USD 66,556.84
Active Clients with Loans166
Approximate % Female Clients20% - 40%
Approximate % Urban Clients0% - 20%
Methodology
Individual
Solidarity groupx
Village banking
Self help group
Other
Description
Es un producto que se basa en un acuerdo entre una organización o asociación de microempresarios formalmente constituida y el CEPESIU.
Loan Purpose
Any purpose
Income generationx
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visitsx
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
OtherAsociacion debe haber firmado convenio con Cepesiu
Other (2)Producto dirigido a produccion agricola de ciclo corto
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Product Details

Key Statistics
Outstanding portfolio (COP)COP 19,999,801,635
Portfolio (USD)USD 10,988,902
Active Clients with Loans14,880
Approximate % Female Clients60% - 80%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Crédito de libre inversión otorgado a dependientes con 6 meses de antigàŒedad en sus empleos
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurance
Workplace visits
Business training
Other training
Other
Other (2)
No other servicesx
Eligibility
Menx
Womenx
Must run a business
Must own a home or land
Must be a salaried workerx
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 500
Maximum loan size1,500
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term8.0 months
Approx average6.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthly
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end paymentx
Irregular payments

Loan Conditions

Loan Amount
CurrencyCOP
Minimum loan sizeCOP 500,000
Maximum loan size15,000,000
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term24.0 months
Approx average13.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest28.56%
Highest quoted nominal interest28.56%
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termNo
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?Yes
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited12.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to deposit
Interest Paid on Deposit
Minimum interest rate paid0
Maximum interest rate paid0
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Pricing Information

Interest
Lowest quoted nominal interest1.67%
Highest quoted nominal interest1.67%
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
Fee 1
DescriptionEstudio de Credito
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1
DescriptionSeguro de Cartera
% of loan amount - min0.40%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No

Full Pricing Data

Programa de Crédito Directo samples
Sample 1Sample 2Sample 3
Loan AmountUSD 1,136USD 1,136USD 1,136.36
Loan Cycle (1, 2, 3, etc)111
Disbursement Date2010-06-152010-06-152010-06-15
Loan Term (Months)6.0 months6.0 months6.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component28.9%28.9%29.0%
Insurance Component0.0%0.0%0.0%
Tax Component0.0%0.0%0.0%
Deposit Component4.0%4.0%4.0%
Full APR (int fee ins tax dep)32.9%32.9%32.9%
Transparency Index878787
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Consumo samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountCOP 1,200,000COP 3,536,312COP 7,099,168COP 14,399,680
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2011-02-072011-02-082011-03-302011-02-15
Loan Term (Months)13.0 months12.0 months24.0 months24.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component22.8%23.0%22.1%21.7%
Insurance Component0.0%0.7%0.9%0.8%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)22.8%23.6%23.0%22.5%
Transparency Index88858789
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
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% Products with one or more insurances
% Products with compulsory deposits
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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