Please note that the information you are viewing is 118 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

COAC San José San Jose de Chimbo, calle Chimborazo 536 y 3 de MarzoCanton Chimbo, Provincia Bolivar
Data approved: 2010-11-08
Data version: 1
Age of data: 118 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addresshttp://coopsanjose.fin.ec/
Year established1964
Head of InstitutionJosé Guillen Sierra
Regions active
# Branches6

Total Portfolio (nat'l)USD 30,756,404.80
Total Portfolio (USD)USD 30,756,404.80
Active clients with loans10,594
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliations
Funders

Loan Products » Summary

932 Borrowers
USD 175,901 Portfolio
Active Product
2,724 Borrowers
USD 12,223,241.28 Portfolio
Active Product
1,945 Borrowers
USD 1,531,514.57 Portfolio
Active Product
397 Borrowers
USD 132,380.51 Portfolio
Active Product
4,498 Borrowers
USD 15,070,871.05 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Anticipo de Sueldo USD 20 - 305 3 0% - 20% 40% - 60% Any Purpose Women, Men, Salaried worker Credit Ins
Consumo USD 100 - 20,000 3 - 84 40% - 60% 40% - 60% Any Purpose Women, Men, Salaried worker Credit Ins
Microcredito Grupal Pago al Vencimiento USD 600 - 1,600 6 - 12 40% - 60% 0% - 20% Business, Capital de Trabajo Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Microcredito Grupal Pago Mensual USD 400 - 4,000 6 - 24 40% - 60% 0% - 20% Business, Capital de Trabajo Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Microcredito Individual USD 100 - 20,000 3 - 72 0% - 20% 40% - 60% Business Women, Men, Have business Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Anticipo de Sueldo 12.9% annual, Decl Bal 1 Fee 0 Ins None 1.00% ongoing 2.00 ongoing 13.1% 13.6% 95
Consumo 12.9% annual, Decl Bal 1 Fee 0 Ins None 1.00% ongoing 2.00 ongoing 13.1% 13.6% - 13.8% 94
Microcredito Grupal Pago al Vencimiento 18.0% annual, Decl Bal 1 Fee 0 Ins None 12.00 ongoing 18.3% - 18.5% 18.9% 95
Microcredito Grupal Pago Mensual 18.0% annual, Decl Bal 1 Fee 0 Ins None 1.00% ongoing 2.00 ongoing 18.2% - 18.3% 18.9% - 19.1% 94
Microcredito Individual 18.0% annual, Decl Bal 1 Fee 0 Ins None 6.7% upfront 1.00% ongoing 2.00 ongoing 18.2% - 18.3% 20.7% - 21.5% 85
Institution Price Graph
Please note that the information you are viewing is 86 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Hattha Kaksekar Limited No 606, st 271,Sangkat Phsar Deum Thkouv, Khan ChamkamornPhnom Penh, CambodiaPO Box 855
Data approved: 2013-03-20
Data version: 3
Age of data: 86 months

Product

Medium Loans Product 2 of 4 « Prev | Next »

Product Details

Key Statistics
Outstanding portfolio (USD)USD 45,241,769.30
Portfolio (USD)USD 45,241,769.30
Active Clients with Loans13,784
Approximate % Female Clients60% - 80%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
Medium Loan product ranges between USD $2,500 to USD $10,000 loan sizes.
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loanx
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 businessx
Must own a home or landx
Must be a salaried workerx
Must be specific age groupx
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institution24
# Regions for this product24
Regions ActiveBanteay Meanchey, Battambang, Kampong Cham, Kampong Chhnang, Kampong Speu, Kampong Thom, Kampot, Kandal, Koh Kong, KepKratié, Mondulkiri , Oddar Meancheay, Pailin, Phnom Penh, Sihanoukville, Preah Vihear, Pursat, Prey Veng, RatanakiriSiem Reap, Stung Treng, Svay Rieng, Takéo

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 2,501
Maximum loan size10,000
Loan Term and Grace Period
Shortest loan term3.0 months
Longest loan term36.0 months
Approx average19.5 months
Distribution at Disbursement (Est.)
Loans 3 months or less0
Between 4 and 6 months20%
Between 7 and 9 months20%
Between 10 and 12 months20%
Between 13 and 18 months20%
Longer than 18 months20%
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterlyx
Every 6 monthsx
Every 12 months
Single end payment
Irregular paymentsx

Pricing Information

Interest
Lowest quoted nominal interest1.80%
Highest quoted nominal interest2.50%
Reason(s) why interest rate variesBranch, Time as Client, Loan Size, Client Risk, Collateral, Loan Purpose, High credit risk level = higher interest rate
Interest rate periodMonthly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?No
Is rate fixed for entire loan termYes
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 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

Medium Loans samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 2,300USD 2,300USD 3,000USD 3,100
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot Known
Disbursement Date2013-05-062013-03-222013-05-232013-05-23
Loan Term (Months)24.0 months24.0 months30.0 months24.0 months
Grace Period (Months)0.0 months-0.1 months-0.4 months-0.2 months
Total Cost of CreditUSD 552.12USD 637.80USD 873.99USD 687.24
True Price by Comp       
Interest price component22.9%26.5%22.9%21.4%
Fee Component0.0%0.0%0.0%0.0%
Insurance Component0.0%0.0%0.0%0.0%
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)22.9%26.5%22.9%21.4%
Transparency Index948294100
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Medium Loans Price Graphs


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Key Statistics
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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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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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