Institution

Cooperativa de Ahorra y Credito Nacional Ltda Capità n Najera 4210 y la 14Guayaquil, Guayas
Data approved: 2010-11-08
Data version: 1
Age of data: 163 months

Institution

Fondo de Desarrollo Microempresarial FODEMI Jaime Rivadeneira 6-88 y Mariano AcostaIbarra, Imbabura10-01-225
Data approved: 2010-11-08
Data version: 1
Age of data: 163 months

Institution Details

Institution TypeBank
Is this institution regulated?Yes
Website addresshttp://www.coopnacional.com/
Year established1978
Head of InstitutionJorge Jácome Galarza
Regions active
# Branches0

Total Portfolio (nat'l)USD 26,120,056.84
Total Portfolio (USD)USD 26,120,056.84
Active clients with loans30,747
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsRed Financiera Rural
Funders

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.fodemi.org/
Year established1995
Head of InstitutionLuis Ríos
Regions active
# Branches11

Total Portfolio (nat'l)USD 12,924,109.87
Total Portfolio (USD)USD 12,924,109.87
Active clients with loans28,232
Approximate % female clients60% - 80%
Approximate % urban clients20% - 40%
Network affiliations
Funders

Loan Products » Summary

5,393 Borrowers
USD 2,546,253.22 Portfolio
Active Product
25,354 Borrowers
USD 24,582,834.37 Portfolio
Active Product

Loan Products » Summary

11,146 Borrowers
USD 3,804,737.29 Portfolio
Active Product
15,616 Borrowers
USD 7,419,168.45 Portfolio
Active Product
1,470 Borrowers
USD 1,700,204.13 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Consumo USD 300 - 20,000 12 - 36 40% - 60% 80% - 100% Any Purpose Women, Men, Salaried worker
Microcrédito USD 300 - 20,000 12 - 36 40% - 60% 80% - 100% Business Women, Men, Have business

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Crédito Banca Comunal USD 50 - 4,000 7 - 24 60% - 80% 0% - 20% Business Women, Men, Have business, mín 7 personas y máx 25 personas de un mismo sector. Credit Educ, Group Mtgs, Credit Ins, Estos servicios no son cancelados por los clientes, los costos son asumidos por la Fundación.
Crédito Grupo Solidario USD 50 - 5,000 6 - 30 60% - 80% 40% - 60% Business Women, Men, Have business, Experiencia en el negocio, mínimo de 6 meses., mín de 3 y máximo 6 personas. Que vivan cerca. Credit Educ, Group Mtgs, Credit Ins, Estos servicios no son pagados por el cliente, los costos son asumidos ÂŽpor la Fundación.
Crédito Individual USD 400 - 6,000 6 - 30 40% - 60% 80% - 100% Business Women, Men, Have business, Experiencia en el negocio, mínimo 6 meses. Credit Educ, Credit Ins, Estos servicios no son pagados por el cliente, asume el costo la Fundación.

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumo 13.2% annual, Decl Bal 0 Fees 0 Ins None 33.3% upfront 13.4% 15.1% 88
Microcrédito 20.1%-21.0% annual, Decl Bal 0 Fees 0 Ins None 33.3% upfront 20.3% - 21.3% 22.8% - 23.9% 84

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito Banca Comunal 20.6%-22.6% annual, Decl Bal 0 Fees 0 Ins None 10.0% upfront 22.3% 26.3% - 26.4% 78
Crédito Grupo Solidario 20.5%-22.5% annual, Decl Bal 0 Fees 0 Ins None 10.0% upfront 20.5% - 22.5% 24.2% - 26.7% 79
Crédito Individual 20.5%-22.5% annual, Decl Bal 0 Fees 0 Ins None 10.0% upfront 20.4% - 22.4% 24.1% - 26.5% 79

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumo 13.2% annual, Decl Bal 0 Fees 0 Ins Ins None 33.3% upfront 13.4% 15.1% 88
Microcrédito 20.1%-21.0% annual, Decl Bal 0 Fees 0 Ins Ins None 33.3% upfront 20.3% - 21.3% 22.8% - 23.9% 84

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito Banca Comunal 20.6%-22.6% annual, Decl Bal 0 Fees 0 Ins Ins None 10.0% upfront 22.3% 26.3% - 26.4% 78
Crédito Grupo Solidario 20.5%-22.5% annual, Decl Bal 0 Fees 0 Ins Ins None 10.0% upfront 20.5% - 22.5% 24.2% - 26.7% 79
Crédito Individual 20.5%-22.5% annual, Decl Bal 0 Fees 0 Ins Ins None 10.0% upfront 20.4% - 22.4% 24.1% - 26.5% 79
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