Institution

Credi Fe Desarrollo Microempresarial S.A Francisco Robles 411 y 6 de DiciembreQuito, Pichincha28034
Data approved: 2011-11-01
Data version: 1
Age of data: 114 months

Institution

FUNDACIÓN AMANECER Calle 24 No. 20 A 27Yopal, Casanare
Data approved: 2011-09-15
Data version: 1
Age of data: 110 months

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.credife.com/
Year established1999
Head of InstitutionPaul Alejandro Arias
Regions active
# Branches117

Total Portfolio (nat'l)USD 397,135,164
Total Portfolio (USD)USD 397,135,164
Active clients with loans106,185
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsAccion Internacional, Red Financiera Rural
FundersBanco Pichincha C.A

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addressN/A
Year established1994
Head of InstitutionCesar Ivan Velosa Poveda
Regions active
# Branches6

Total Portfolio (nat'l)COP 15,034,582,670
Total Portfolio (USD)USD 8,260,759.71
Active clients with loans3,993
Approximate % female clients40% - 60%
Approximate % urban clients60% - 80%
Network affiliationsEmprender, Asomicrofinanzas
Funders

Loan Products » Summary

5,627 Borrowers
USD 20,387,951 Portfolio
Active Product
865 Borrowers
USD 4,964,256 Portfolio
Active Product
5,271 Borrowers
USD 58,261,946 Portfolio
Active Product
89,194 Borrowers
USD 296,425,310 Portfolio
Active Product

Loan Products » Summary

2,664 Borrowers
USD 5,039,809.85 Portfolio
Active Product
583 Borrowers
USD 1,468,426 Portfolio
Active Product
304 Borrowers
USD 294,588.47 Portfolio
Active Product
830 Borrowers
USD 1,450,819.67 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Consumo USD 300 - 10,000 2 - 24 40% - 60% 60% - 80% Any Purpose Women, Men, Have business Credit Ins
Credito Mejoramiento de Vivienda USD 1,000 - 20,000 3 - 60 40% - 60% 60% - 80% Housing Women, Men, Have home or land, Al menos 6 meses de relacion de crédito con la institución Credit Ins
Credito para Activo Fijo USD 500 - 20,000 3 - 36 40% - 60% 60% - 80% Housing, Compra de terrenos destinados al negocio, Compra/arreglo locales comerciales Women, Men, Have business, Al menos 24 meses de experiencia en su actividad Credit Ins, Tech Asst Visits
Credito para Capital de Trabajo USD 300 - 20,000 2 - 24 40% - 60% 60% - 80% Business, Housing Women, Men, Have business, Llevar sus negocios en condiciones de informalidad pero con un local fijo, Nacional o extranjero residente al menos dos años Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Desarrollo Empresarial COP 515,000 - 25,750,000 6 - 30 40% - 60% 80% - 100% Business Women, Men, Have business Tech Asst Visits, Business Training
Microvivienda COP 515,000 - 25,750,000 6 - 30 40% - 60% 60% - 80% Housing Women, Men, Have business Credit Educ
Nucleos Solidarios Productivos COP 515,000 - 5,150,000 6 - 24 40% - 60% 0% - 20% Business Women, Men, Have business Group Mtgs, Business Training, Giras Técnicas
Rural Individual - Germina COP 515,000 - 12,875,000 6 - 30 40% - 60% 0% - 20% Business Women, Men, Have business Group Mtgs, Giras Técnicas

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumo 24.5%-26.9% annual, Decl Bal 0 Fees 1 Ins None N/A 22.9% - 26.8% 23.5% - 27.5% 98
Credito Mejoramiento de Vivienda 10.9%-26.9% annual, Decl Bal 0 Fees 2 Ins None N/A 10.8% - 27.3% 11.4% - 27.9% 67
Credito para Activo Fijo 22.5%-26.9% annual, Decl Bal 0 Fees 1 Ins None N/A 22.4% - 26.8% 23.1% - 27.4% 92
Credito para Capital de Trabajo 22.5%-26.9% annual, Decl Bal 0 Fees 1 Ins None N/A 22.4% - 26.8% 23.1% - 27.4% 92

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Desarrollo Empresarial 29.5% annual, Decl Bal 1 Fee 1 Ins None N/A 29.6% - 35% 30.1% - 38% 88
Microvivienda 29.5% annual, Decl Bal 0 Fees 1 Ins None N/A 29.6% - 31.1% 30% - 33.7% 91
Nucleos Solidarios Productivos 29.5% annual, Decl Bal 0 Fees 1 Ins None N/A 29.6% - 31% 32.4% - 33.2% 90
Rural Individual - Germina 24.0% annual, Decl Bal 0 Fees 1 Ins None N/A 24% - 26.3% 25.6% - 33.9% 83

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumo 24.5%-26.9% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 22.9% - 26.8% 23.5% - 27.5% 98
Credito Mejoramiento de Vivienda 10.9%-26.9% annual, Decl Bal 0 Fees 2 Ins Ins None N/A 10.8% - 27.3% 11.4% - 27.9% 67
Credito para Activo Fijo 22.5%-26.9% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 22.4% - 26.8% 23.1% - 27.4% 92
Credito para Capital de Trabajo 22.5%-26.9% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 22.4% - 26.8% 23.1% - 27.4% 92

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Desarrollo Empresarial 29.5% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 29.6% - 35% 30.1% - 38% 88
Microvivienda 29.5% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 29.6% - 31.1% 30% - 33.7% 91
Nucleos Solidarios Productivos 29.5% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 29.6% - 31% 32.4% - 33.2% 90
Rural Individual - Germina 24.0% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 24% - 26.3% 25.6% - 33.9% 83
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Key Statistics
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# Products
# Institutions
# Countries
# Borrowers
Loan Portfolio (USD)
% Products using declining balance
% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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