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Institution

Cooperativa Luz Del Valle Av. Abdon calderon 524 e ines gangotenaConcepcion y Santa Rita esquinaSangolqui, Pichincha
Data approved: 2010-11-08
Data version: 1
Age of data: 112 months

Institution

IDEPRO DESARROLLO EMPRESARIAL Calle Campos No 132, esquina Av. AcreLa Paz, La Paz14236
Data approved: 2013-10-04
Data version: 2
Age of data: 71 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?No
Website addressN/A
Year established2002
Head of InstitutionJOSE JULIO GUALOTUÑA LEMA
Regions active
# Branches9

Total Portfolio (nat'l)USD 11,870,227.05
Total Portfolio (USD)USD 11,870,227.05
Active clients with loans6,420
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsFECOAC, Red Financiera Rural, COLAC, Financoop
Funders

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://WWW.IDEPRO.ORG/
Year established1991
Head of InstitutionJose Morales Mauri
Regions activeBeni , Chuquisaca , Cochabamba , La Paz , Oruro , Pando , Potosí, Santa Cruz, Tarija
# Branches15

Total Portfolio (nat'l)BOB 273,491,543
Total Portfolio (USD)USD 40,517,265.63
Active clients with loans10,413
Approximate % female clients20% - 40%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Loan Products » Summary

1,400 Borrowers
USD 3,200,000 Portfolio
Active Product
950 Borrowers
USD 600,000 Portfolio
Active Product
4,070 Borrowers
USD 7,500,000 Portfolio
Active Product

Loan Products » Summary

8,500 Borrowers
USD 28,837,538.96 Portfolio
Active Product
1,900 Borrowers
USD 11,641,566.67 Portfolio
Active Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Microluz USD 1,500 - 10,000 1 - 24 40% - 60% 40% - 60% Business, Capital de tyrabajo, compra de activos, pago de de, Actividades inherentes al negocio Women, Men, Have business, existencia minima del negocio de un año Credit Ins
Oportuno USD 350 - 1,500 1 - 12 40% - 60% 20% - 40% Any Purpose Women, Men, Have business Credit Ins
Quirofario USD 500 - 20,000 1 - 72 40% - 60% 40% - 60% Any Purpose Women, Men, Salaried worker, propietario de casa si el monto es superior a $5,000 Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Promicro BOB 350 - 140,000 1 - 72 20% - 40% 60% - 80% Business, Agriculture Women, Men, Have business Credit Ins
Procadena BOB 1,000 - 610,000 1 - 120 20% - 40% 0% - 20% Business, Agriculture, Education Women, Men, Have business Credit Ins, Tech Asst Visits

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Microluz 19.0%-25.0% annual, Decl Bal 1 Fee 0 Ins None 10.0% upfront 20.3% - 25.3% 22.8% - 28.4% 77
Oportuno 22.5%-26.0% annual, Decl Bal 0 Fees 2 Ins None 10.0% upfront 24.3% - 24.7% 27.2% - 27.6% 82
Quirofario 13.6%-13.8% annual, Decl Bal 0 Fees 1 Ins None 10.0% upfront 13.9% - 14% 15.7% - 15.9% 86

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Promicro 12.0%-33.0% annual, Decl Bal 0 Fees 1 Ins None N/A 18.1% - 30% 19.2% - 31.1% 100
Procadena 16.5%-33.0% annual, Decl Bal 0 Fees 1 Ins None N/A 17.7% - 25.6% 18.3% - 26.4% 81

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Microluz 19.0%-25.0% annual, Decl Bal 1 Fee 0 Ins Ins None 10.0% upfront 20.3% - 25.3% 22.8% - 28.4% 77
Oportuno 22.5%-26.0% annual, Decl Bal 0 Fees 2 Ins Ins None 10.0% upfront 24.3% - 24.7% 27.2% - 27.6% 82
Quirofario 13.6%-13.8% annual, Decl Bal 0 Fees 1 Ins Ins None 10.0% upfront 13.9% - 14% 15.7% - 15.9% 86

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Promicro 12.0%-33.0% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 18.1% - 30% 19.2% - 31.1% 100
Procadena 16.5%-33.0% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 17.7% - 25.6% 18.3% - 26.4% 81
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