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Institution

Cooperativa de Ahorro y Crédito Maquita Cushunchic Ltda. Av. Cardenal de la Torre S15-111 y AjavíQuito, Pichincha
Data approved: 2010-11-08
Data version: 1
Age of data: 124 months

Institution

Omo Microfinance Head OfficeHawassaPO Box 353
Data approved: 2011-12-23
Data version: 1
Age of data: 111 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?No
Website addressN/A
Year established1998
Head of InstitutionVerónica Albarracín
Regions active
# Branches5

Total Portfolio (nat'l)USD 10,020,807
Total Portfolio (USD)USD 10,020,807
Active clients with loans5,383
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsRed Financiera Rural, Red Nacional de Finanzas Populares y Solidarias del Ecuador, Conzorcio Etimos
FundersFondo Hivos Triodos, Red Nacional de Finanzas Populares y Solidarias del Ecuador, Conzorcio Etimos

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addressN/A
Year established1998
Head of InstitutionRomedan Mohammed
Regions active
# Branches170

Total Portfolio (nat'l)ETB 585,102,740
Total Portfolio (USD)USD 31,799,061.96
Active clients with loans327,888
Approximate % female clients20% - 40%
Approximate % urban clients40% - 60%
Network affiliationsAEMFI
FundersRegional Government, Wondo Company, Association of Southern Peoples

Loan Products » Summary

2,498 Borrowers
USD 5,512,458 Portfolio
Active Product
2,885 Borrowers
USD 4,508,349 Portfolio
Active Product

Loan Products » Summary

170,500 Borrowers
USD 16,535,434.78 Portfolio
Active Product
4,000 Borrowers
USD 381,586.96 Portfolio
Active Product
1,600 Borrowers
USD 158,994.57 Portfolio
Active Product
147,500 Borrowers
USD 14,309,510.87 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Crédito microempresa USD 80 - 10,000 3 - 36 40% - 60% 40% - 60% Any Purpose Women, Men, Have business Credit Ins
Desarrollo Familiar USD 80 - 10,000 3 - 36 40% - 60% 60% - 80% Any Purpose Women, Men, Salaried worker, Beneficiario de una jubilación, monte pio o similares. Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Rural Agriculture Loan ETB 2,000 - 50,000 12 - 36 20% - 40% 0% - 20% Business, Agriculture Women, Men Credit Educ, Group Mtgs, Credit Ins
Rural Petty Trade Loan ETB 2,000 - 50,000 12 - 36 20% - 40% 0% - 20% Business Women, Men Credit Educ, Group Mtgs, Credit Ins
Small Investment Loan ETB 2,000 - 20,000 12 - 36 0% - 20% 0% - 20% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
Urban Loan ETB 2,000 - 50,000 12 - 36 40% - 60% 80% - 100% Any Purpose Women, Men Credit Educ, Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito microempresa 22.9% annual, Decl Bal 1 Fee 0 Ins None N/A 17.3% - 25.4% 18% - 26.2% 96
Desarrollo Familiar 15.1% annual, Decl Bal 1 Fee 0 Ins None N/A 15.3% - 15.5% 15.6% - 16.8% 94

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Rural Agriculture Loan 18.0% annual, Decl Bal 1 Fee 1 Ins None 5.0%-10.0% upfront 6.00 ongoing 20.2% - 28.7% 25% - 35.7% 64
Rural Petty Trade Loan 15.0% annual, Flat 1 Fee 1 Ins None 5.0%-10.0% upfront 6.00 ongoing 11.3% - 22.5% 14.8% - 29% 65
Small Investment Loan 15.0% annual, Flat 1 Fee 1 Ins None 5.0%-10.0% upfront 6.00 ongoing 11.7% 14.8% - 15.8% 99
Urban Loan 10.0% annual, Decl Bal 1 Fee 1 Ins None 5.0%-10.0% upfront 20.00 ongoing 11.7% - 11.8% 17.1% - 17.7% 57

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito microempresa 22.9% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 17.3% - 25.4% 18% - 26.2% 96
Desarrollo Familiar 15.1% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 15.3% - 15.5% 15.6% - 16.8% 94

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Rural Agriculture Loan 18.0% annual, Decl Bal 1 Fee 1 Ins Ins None 5.0%-10.0% upfront 6.00 ongoing 20.2% - 28.7% 25% - 35.7% 64
Rural Petty Trade Loan 15.0% annual, Flat 1 Fee 1 Ins Ins None 5.0%-10.0% upfront 6.00 ongoing 11.3% - 22.5% 14.8% - 29% 65
Small Investment Loan 15.0% annual, Flat 1 Fee 1 Ins Ins None 5.0%-10.0% upfront 6.00 ongoing 11.7% 14.8% - 15.8% 99
Urban Loan 10.0% annual, Decl Bal 1 Fee 1 Ins Ins None 5.0%-10.0% upfront 20.00 ongoing 11.7% - 11.8% 17.1% - 17.7% 57
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