2. CEPESIU
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  2. SPN
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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: 163 months

Institution

SATHAPANA Limited #831C, Monivong Blvd, Phsa Doem ThkovChamkarmornPhnom Penh, N/A1423
Data approved: 2010-09-22
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.cepesiu.org.ec/
Year established1983
Head of InstitutionCecilia Padilla
Regions active
# Branches3

Total Portfolio (nat'l)USD 939,466.31
Total Portfolio (USD)USD 939,466.31
Active clients with loans2,011
Approximate % female clients40% - 60%
Approximate % urban clients60% - 80%
Network affiliations
Funders

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addressN/A
Year established1995
Head of InstitutionDr. Bun Mony
Regions active0
# Branches36

Total Portfolio (nat'l)N/A
Total Portfolio (USD)N/A
Active clients with loans35,731
Approximate % female clientsN/A
Approximate % urban clientsN/A
Network affiliations
Funders

Loan Products » Summary

Directo
166 Borrowers
USD 66,556.84 Portfolio
Active Product
Individual
176 Borrowers
USD 157,302.20 Portfolio
Active Product
Solidario
1,612 Borrowers
USD 589,823 Portfolio
Active Product
SPI
57 Borrowers
USD 125,784.24 Portfolio
Active Product

Loan Products » Summary

Balloon Loan KHR
1,462 Borrowers
USD 822,578.98 Portfolio
Active Product
Balloon Loan USD
506 Borrowers
USD 784,654 Portfolio
Active Product
Business Loan KHR
12,318 Borrowers
USD 4,711,557.95 Portfolio
Active Product
Business Loan USD
21,445 Borrowers
USD 28,261,607.33 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Programa de Crédito Directo USD 500 - 1,500 4 - 8 20% - 40% 0% - 20% Business Women, Men, Have business, Asociacion debe haber firmado convenio con Cepesiu, Producto dirigido a produccion agricola de ciclo corto Tech Asst Visits
Programa de Crédito Individual (PCI) USD 500 - 3,000 6 - 18 40% - 60% 80% - 100% Business Women, Men, Have business, Buena calificacion en la Central de Riesgos, Negocios establecidos un año Tech Asst Visits
Programa Grupo Solidario USD 200 - 1,500 4 - 18 60% - 80% 60% - 80% Business Women, Men, Have business, Buena calificacion en central de riesgos., Negocio funcionando 1 año. Tech Asst Visits
Sociedad Popular de Inversión SPI USD 300 - 10,000 4 - 24 40% - 60% 20% - 40% Business Women, Men, Estructuras financieras locales autogestionadas de credito, Minimo 4 meses de funcionamiento Tech Asst Visits, Cepesiu brinda asistencia tecnica con recursos no reembolsables

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Balloon Loan KHR KHR 100,000 - 20,000,000 0 60% - 80% 20% - 40% Business Credit Educ
Balloon Loan USD USD 200 - 5,000 0 60% - 80% 40% - 60% Business Credit Educ
Business Loan KHR KHR 100,000 - 100,000,000 0 60% - 80% 20% - 40% Business, Housing, Consumer Credit Educ
Business Loan USD USD 200 - 25,000 0 60% - 80% 40% - 60% Business, Housing, Consumer Credit Educ

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Programa de Crédito Directo 28.6% annual, Decl Bal 0 Fees 0 Ins None 12.0% upfront 28.9% - 29% 32.9% 87
Programa de Crédito Individual (PCI) 28.6% annual, Decl Bal 0 Fees 0 Ins None 12.0% upfront 15.2% - 19.8% 15.2% - 25.2% 100
Programa Grupo Solidario 28.6% annual, Decl Bal 0 Fees 0 Ins None 12.0% upfront 19.8% - 24.8% 25.2% - 31.1% 97
Sociedad Popular de Inversión SPI 26.0% annual, Decl Bal 0 Fees 0 Ins None N/A 19% - 24.8% 19% - 24.8% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Balloon Loan KHR 2.3%-3.5% annual, Decl Bal 0 Fees 0 Ins None 5.0% upfront #N/A #N/A N/A
Balloon Loan USD 1.8%-3.0% annual, Decl Bal 0 Fees 0 Ins None 2.0% upfront #N/A #N/A N/A
Business Loan KHR 2.3%-3.5% annual, Decl Bal 0 Fees 0 Ins None 5.0% upfront #N/A #N/A N/A
Business Loan USD 1.8%-3.0% annual, Decl Bal 0 Fees 0 Ins None 2.0% upfront #N/A #N/A N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Programa de Crédito Directo 28.6% annual, Decl Bal 0 Fees 0 Ins Ins None 12.0% upfront 28.9% - 29% 32.9% 87
Programa de Crédito Individual (PCI) 28.6% annual, Decl Bal 0 Fees 0 Ins Ins None 12.0% upfront 15.2% - 19.8% 15.2% - 25.2% 100
Programa Grupo Solidario 28.6% annual, Decl Bal 0 Fees 0 Ins Ins None 12.0% upfront 19.8% - 24.8% 25.2% - 31.1% 97
Sociedad Popular de Inversión SPI 26.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 19% - 24.8% 19% - 24.8% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Balloon Loan KHR 2.3%-3.5% annual, Decl Bal 0 Fees 0 Ins Ins None 5.0% upfront #N/A #N/A N/A
Balloon Loan USD 1.8%-3.0% annual, Decl Bal 0 Fees 0 Ins Ins None 2.0% upfront #N/A #N/A N/A
Business Loan KHR 2.3%-3.5% annual, Decl Bal 0 Fees 0 Ins Ins None 5.0% upfront #N/A #N/A N/A
Business Loan USD 1.8%-3.0% annual, Decl Bal 0 Fees 0 Ins Ins None 2.0% upfront #N/A #N/A N/A
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Key Statistics
# Samples:
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# 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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