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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: 109 months

Institution

Mbinga Community Bank Ltd Head QuartersMbinga, RuvumaPO Box 290
Data approved: 2013-03-20
Data version: 2
Age of data: 73 months

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 TypeBank
Is this institution regulated?Yes
Website addressN/A
Year established2003
Head of InstitutionShedehva Optat
Regions activeRuvuma
# Branches1

Total Portfolio (nat'l)TZS 4,748,143,743
Total Portfolio (USD)USD 2,986,253.93
Active clients with loans1,069.80
Approximate % female clients20% - 40%
Approximate % urban clients20% - 40%
Network affiliationsCommunity Bank Association
FundersFinancial Sector Deepening, Agricultural Trust Fund

Loan Products » Summary

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

Loan Products » Summary

86 Borrowers
USD 186,986.65 Portfolio
Active Product
58 Borrowers
USD 1,104,205.77 Portfolio
Active Product
882.70 Borrowers
USD 1,695,061.51 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
Salary Loan TZS 300,000 - 6,000,000 12 60% - 80% 40% - 60% Any Purpose Women, Men, Salaried worker Group Mtgs, Business Training
Small Business Loan TZS 1,000,000 - 45,000,000 3 - 18 20% - 40% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Solidarity Group Loan TZS 500,000 - 3,500,000 1 - 12 40% - 60% 20% - 40% Business, Agriculture Women, Men, Must run agricultural activities or 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
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
Salary Loan 24.00% annual, Flat 2 Fees 1 Ins None N/A 48.7% - 57.2% 50% - 59.8% 41
Small Business Loan 10.00%-24.00% annual, Flat 3 Fees 1 Ins None N/A 58.6% - 71.7% 61.2% - 77% 15
Solidarity Group Loan 10.00%-30.00% annual, Flat 2 Fees 1 Ins None 30.00% upfront 14.2% - 94.9% 22.9% - 242.9% 8

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
Salary Loan 24.00% annual, Flat 2 Fees 1 Ins Ins None N/A 48.7% - 57.2% 50% - 59.8% 41
Small Business Loan 10.00%-24.00% annual, Flat 3 Fees 1 Ins Ins None N/A 58.6% - 71.7% 61.2% - 77% 15
Solidarity Group Loan 10.00%-30.00% annual, Flat 2 Fees 1 Ins Ins None 30.00% upfront 14.2% - 94.9% 22.9% - 242.9% 8
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