Institution Type | Credit Union / Cooperative |
Is this institution regulated? | No |
Website address | N/A |
Year established | 1994 |
Head of Institution | Fredy Yugcha Toala |
Regions active | |
# Branches | 3 |
Total Portfolio (nat'l) | USD 8,513,791 |
Total Portfolio (USD) | USD 8,513,791 |
Active clients with loans | 3,278 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 60% - 80% |
Network affiliations | |
Funders |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.insotec-ec.com/ |
Year established | 1980 |
Head of Institution | José Lanusse |
Regions active | |
# Branches | 4 |
Total Portfolio (nat'l) | USD 6,252,818 |
Total Portfolio (USD) | USD 6,252,818 |
Active clients with loans | 7,244 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 40% - 60% |
Network affiliations | Red Financiera Rural |
Funders | SISTEMA NACIONAL MICROFINANZAS, SYMBIOTICS, TRIODOS, ETIMOS |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Consumo | USD 100 - 30,000 | 6 - 36 | 40% - 60% | 60% - 80% | Any Purpose | Women, Men, Salaried worker | ||||||||
Credi Grupo | USD 200 - 800 | 6 - 10 | 60% - 80% | 20% - 40% | Any Purpose | Women, Men | ||||||||
Microcrédito Avanzar | USD 3,001 - 10,000 | 6 - 36 | 80% - 100% | 60% - 80% | Business | Women, Men, Have business | ||||||||
Microcrédito Fácil | USD 100 - 5,000 | 1 | 40% - 60% | 80% - 100% | Business, Other | Women, Men, Have business | ||||||||
Microcrédito Nacer | USD 100 - 3,000 | 6 - 18 | 80% - 100% | 60% - 80% | Business | Women, Men, Have business | Credit Educ, Tech Asst Visits |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
CrediAgro | USD 300 - 10,000 | 4 - 30 | 40% - 60% | 0% - 20% | Business, Mejora Local | Women, Men, Have business | Credit Ins | |||||||
CrediSimple | USD 300 - 10,000 | 4 - 30 | 40% - 60% | 60% - 80% | Business, Solo para capital de Trabajo, Activo Fijo,Mejora Local | Women, Men, Have business | Credit Ins | |||||||
Emergente | USD 250 - 1,800 | 3 - 5 | 20% - 40% | 0% - 20% | Business, Other, Usar solo para capital de trabajo | Women, Men, Have business, Have home or land | Credit Ins | |||||||
SINCO | USD 300 - 1,000 | 3 - 8 | 40% - 60% | 20% - 40% | Business, Usar solo para capital de trabajo | Women, Men, Have business, Have home or land, Propietario de Terreno | Credit Ins |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Consumo | 14.4% annual, Decl Bal | 1 Fee | 0 Ins | None | 5.00 ongoing | 14% - 14.6% | 15.3% - 16.1% | 91 | ||||||||
Credi Grupo | 23.2% annual, Decl Bal | 1 Fee | 0 Ins | None | 10.00% ongoing | 23.6% | 26.2% | 89 | ||||||||
Microcrédito Avanzar | 19.6% annual, Decl Bal | 1 Fee | 0 Ins | None | 5.00 ongoing | 19.6% - 20.4% | 20.9% - 21.8% | 92 | ||||||||
Microcrédito Fácil | 20.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 20.3% | 20.3% | 99 | ||||||||
Microcrédito Nacer | 20.9% annual, Decl Bal | 1 Fee | 0 Ins | None | 5.00 ongoing | 21.1% - 21.2% | 22.7% - 23.1% | 91 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
CrediAgro | 22.3%-26.9% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 24.8% - 27.3% | 28% - 30.5% | 75 | ||||||||
CrediSimple | 24.5%-29.9% annual, Decl Bal | 0 Fees | 1 Ins | None | N/A | 24.8% - 27.3% | 28.1% - 30.4% | 83 | ||||||||
Emergente | 24.5%-26.9% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 27.2% - 27.3% | 30% - 30.3% | 81 | ||||||||
SINCO | 24.5%-26.9% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 27.2% - 27.3% | 30.3% - 30.4% | 80 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Consumo | 14.4% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 5.00 ongoing | 14% - 14.6% | 15.3% - 16.1% | 91 | ||||||||
Credi Grupo | 23.2% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 10.00% ongoing | 23.6% | 26.2% | 89 | ||||||||
Microcrédito Avanzar | 19.6% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 5.00 ongoing | 19.6% - 20.4% | 20.9% - 21.8% | 92 | ||||||||
Microcrédito Fácil | 20.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 20.3% | 20.3% | 99 | ||||||||
Microcrédito Nacer | 20.9% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 5.00 ongoing | 21.1% - 21.2% | 22.7% - 23.1% | 91 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
CrediAgro | 22.3%-26.9% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 24.8% - 27.3% | 28% - 30.5% | 75 | ||||||||
CrediSimple | 24.5%-29.9% annual, Decl Bal | 0 Fees | 1 Ins Ins | None | N/A | 24.8% - 27.3% | 28.1% - 30.4% | 83 | ||||||||
Emergente | 24.5%-26.9% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 27.2% - 27.3% | 30% - 30.3% | 81 | ||||||||
SINCO | 24.5%-26.9% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | N/A | 27.2% - 27.3% | 30.3% - 30.4% | 80 |
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