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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: 122 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
Institution # Borrowers Portfolio (US$) Products Age of Data
Adhikar35,3002,674,000191
AMPL00091
Arman41,500529,107,000191
Arohan43,5008,091,000291
ASA INDIA164,00015,380,000191
Asirvad113,50019,328,000191
Asmitha1,114,800217,867,000191
Bandhan4,048,600674,564,000591
Belstar123,00023,945,000269
BSFL275,20031,590,000391
Chaitanya20,7003,748,000391
Disha Microfin69,00014,332,000291
Equitas1,220,000186,415,000491
ESAF354,20043,500,000591
FFSL150,60035,719,000291
Fusion66,8009,820,000291
Grama Vidiyal738,200102,101,000191
Grameen Koota586,60083,555,0001593
Janalakshmi506,000119,077,000291
L & T Finance399,80037,199,000191
MFL331,80049,083,000191
MMFL175,00023,752,000291
Mpower13,6002,263,000291
Sahayata00091
Saija24,7004,682,000291
Samasta45,5004,809,000291
Satin405,60090,174,000291
SCCI115,60015,910,000291
Share2,195,400376,727,000191
SKS3,409,000355,029,000291
SMILE360,20056,927,000191
SNFL9,4001,779,000191
Sonata Finance158,20022,724,000393
Spandana533,400147,240,000291
Suryoday78,60014,713,000391
SVCL118,20018,886,000191
Swadhaar92,80017,166,000391
Trident68,7008,852,000191
Ujjivan913,300160,848,000591
Utkarsh168,60025,915,000391
VFS175,40019,264,000291
Asomi50,3004,743,0002123
AES India3,600286,0001123
Arth2,900611,0002123
Asomi50,3004,743,0002123
Barasat GS1,10099,508.021123
BJS6,000468,0001123
Cashpor417,00050,452,0001122
Credible10,0001,669,540.362123
DIBAKAR1,800145,0001122
GOF65,2005,388,0004122
Hope62,6004,407,0001120
Jaago2,700237,0001121
LOK4,900573,0001122
Nano25,6003,660,0002123
NBSAAVS28,1002,821,0001120
Nirantara8,200917,0002122
Parama7,100482,0001122
Pragathi26,2004,579,0006122
PWMACS36,5005,946,0001122
Saadhana90,90012,046,0002122
Sambhav1,500183,0003122
Seba Rahara6,700468,0001122
SU61,1005,498,0001122
Swayanshree7,900918,0002122
Vikas Samiti1,600168,0001122
Vistaar4,3001,157,0002120
We The People1,100244,0002122
WEMCS1,10085,0001122
Yukti1,10099,0002122
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Key Statistics
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# Borrowers
Loan Portfolio (USD)
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% Products with one or more fee
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% Products with compulsory deposits
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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