2. Luz del Valle
Please note that the information you are viewing is 164 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Pro Credit
Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

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: 164 months

Institution

ProCredit Savings & Loans Company Ltd. P. O Box NT 328 Newtown, AccraAccra, Greater Accra
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 
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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 TypePrivate 'For-Profit'
Is this institution regulated?Yes
Website addresshttp://www.procredit.com.gh/
Year established2002
Head of InstitutionAndre Radloff
Regions active0
# Branches0

Total Portfolio (nat'l)GHS 39,657,346
Total Portfolio (USD)USD 26,438,230.67
Active clients with loans8,924
Approximate % female clients20% - 40%
Approximate % urban clients80% - 100%
Network affiliationsProCredit Group
FundersProCredit Holding, Frankfurt- Germany, DOEN Foundation, Amsterdam

Loan Products » Summary

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

Loan Products » Summary

Agro Loans
1,728 Borrowers
USD 5,237,120 Portfolio
Active Product
Business Loans
6,818 Borrowers
USD 19,143,423 Portfolio
Active Product
Personal Loan
14 Borrowers
USD 16,397 Portfolio
Active Product
ProCredit Line (Overdraft)
120 Borrowers
USD 1,441,363 Portfolio
Active 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
Agro Loans GHS 2,000 - 150,000 1 - 60 0% - 20% 0% - 20%
Business Loans GHS 2,000 - 45,000 3 - 48 40% - 60% 80% - 100%
Personal Loan 0 0 20% - 40% 80% - 100%
ProCredit Line (Overdraft) GHS 2,000 - 150,000 1 - 12 40% - 60% 80% - 100%

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
Agro Loans 30.00%-0.00% annual, Decl Bal 1 Fee 0 Ins N/A 43.8% - 54% 43.8% - 54% 63
Business Loans 33.00%-0.00% annual, Decl Bal 1 Fee 0 Ins N/A 56.6% - 76.1% 56.6% - 76.1% 47
Personal Loan 0.00% annual, 0 0 Fees 0 Ins 33.1% - 33.7% 33.1% - 33.7%
ProCredit Line (Overdraft) 39.60%-0.00% annual, Decl Bal 2 Fees 0 Ins N/A 0% 0%

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
Agro Loans 30.00%-0.00% annual, Decl Bal 1 Fee 0 Ins Ins N/A 43.8% - 54% 43.8% - 54% 63
Business Loans 33.00%-0.00% annual, Decl Bal 1 Fee 0 Ins Ins N/A 56.6% - 76.1% 56.6% - 76.1% 47
Personal Loan 0.00% annual, 0 0 Fees 0 Ins Ins 33.1% - 33.7% 33.1% - 33.7%
ProCredit Line (Overdraft) 39.60%-0.00% annual, Decl Bal 2 Fees 0 Ins Ins N/A 0% 0%
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