Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.espoir.org.ec/ |
Year established | 2002 |
Head of Institution | Dr. Guillero José Francisco Moreno Oleas |
Regions active | |
# Branches | 6 |
Total Portfolio (nat'l) | USD 21,264,263 |
Total Portfolio (USD) | USD 21,264,263 |
Active clients with loans | 56,896 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 40% - 60% |
Network affiliations | |
Funders |
Institution Type | Private 'For-Profit' |
Is this institution regulated? | N/A |
Website address | N/A |
Year established | 1996 |
Head of Institution | Mr. Kuch Setha |
Regions active | 0 |
# Branches | 7 |
Total Portfolio (nat'l) | N/A |
Total Portfolio (USD) | N/A |
Active clients with loans | 8,911 |
Approximate % female clients | N/A |
Approximate % urban clients | N/A |
Network affiliations | |
Funders |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédito de Banca Comunal | USD 350 - 1,800 | 4 - 6 | 80% - 100% | 40% - 60% | Business | Women, Men, Hombres solo si representan el 20% del total de miembros de grupo | Credit Educ, Group Mtgs, Business Training, Other Training | |||||||
Crédito Emergente | USD 100 - 500 | 2 - 6 | 80% - 100% | 40% - 60% | Business, Other | Women, Men, Have business | Credit Ins | |||||||
Crédito Empresarial | USD 1,000 - 8,000 | 12 - 36 | 60% - 80% | 40% - 60% | Business | Women, Men, Have business, Specific age group | ||||||||
Crédito Vivamos Mejor | USD 200 - 1,000 | 2 - 12 | 80% - 100% | 40% - 60% | Housing | Women, Men, Have business, Have home or land | ||||||||
Microcrédito Individual Minorista | USD 1,000 - 8,000 | 12 - 36 | 60% - 80% | 20% - 40% | Business, Education | Women, Men, Have business | Credit Ins |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Consumption Loan (Baht) | THB 4,000 - 200,000 | 0 | 40% - 60% | 0% - 20% | Any Purpose | |||||||||
Consumption Loan (Riel) | KHR 400,000 - 20,000,000 | 0 | 60% - 80% | 0% - 20% | Any Purpose | |||||||||
Consumption Loan (USD) | USD 100 - 5,000 | 0 | 40% - 60% | 0% - 20% | Any Purpose | |||||||||
Group Loan (KHR) | KHR 100,000 - 3,000,000 | 0 | 60% - 80% | 0% - 20% | Business | Credit Ins | ||||||||
Group Loan (THB) | THB 1,000 - 30,000 | 0 | 60% - 80% | 0% - 20% | Business | Credit Ins | ||||||||
Individual Loan (THB) | THB 4,000 - 200,000 | 0 | 60% - 80% | 0% - 20% | Business | Credit Ins | ||||||||
Individual Loan (KHR) | KHR 400,000 - 20,000,000 | 0 | 60% - 80% | 0% - 20% | Business | Credit Ins | ||||||||
Individual Loan (USD) | USD 100 - 5,000 | 0 | 60% - 80% | 0% - 20% | Business | Credit Ins |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédito de Banca Comunal | 24.3%-26.8% annual, Flat | 0 Fees | 0 Ins | None | 10.0% upfront | 24.7% - 27.6% | 30.1% - 34% | 73 | ||||||||
Crédito Emergente | 26.9% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 26.7% - 26.9% | 26.7% - 26.9% | 100 | ||||||||
Crédito Empresarial | 24.5% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 24.5% - 28.9% | 24.5% - 28.9% | 90 | ||||||||
Crédito Vivamos Mejor | 26.9% annual, Flat | 0 Fees | 0 Ins | None | N/A | 26.7% - 26.8% | 26.7% - 26.8% | 100 | ||||||||
Microcrédito Individual Minorista | 24.5%-26.9% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 26.9% - 28.9% | 26.9% - 28.9% | 88 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Consumption Loan (Baht) | 2.5%-3.0% annual, Decl Bal | 0 Fees | 0 Ins | None | 5.0% upfront | #N/A | #N/A | N/A | ||||||||
Consumption Loan (Riel) | 2.5%-3.5% annual, Decl Bal | 0 Fees | 0 Ins | None | 5.0% upfront | #N/A | #N/A | N/A | ||||||||
Consumption Loan (USD) | 2.5%-3.0% annual, Decl Bal | 0 Fees | 0 Ins | None | 3.0% upfront | #N/A | #N/A | N/A | ||||||||
Group Loan (KHR) | 3.0%-3.5% annual, Decl Bal | 0 Fees | 0 Ins | None | 5.0% upfront | #N/A | #N/A | N/A | ||||||||
Group Loan (THB) | 3.0% annual, Decl Bal | 0 Fees | 0 Ins | None | 5.0% upfront 6.00% ongoing | #N/A | #N/A | N/A | ||||||||
Individual Loan (THB) | 2.5%-3.0% annual, Decl Bal | 0 Fees | 0 Ins | None | 5.0% upfront | #N/A | #N/A | N/A | ||||||||
Individual Loan (KHR) | 2.5%-3.5% annual, Decl Bal | 0 Fees | 0 Ins | None | 5.0% upfront | #N/A | #N/A | N/A | ||||||||
Individual Loan (USD) | 2.5%-3.0% annual, Decl Bal | 0 Fees | 0 Ins | None | 3.0% upfront | #N/A | #N/A | N/A |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédito de Banca Comunal | 24.3%-26.8% annual, Flat | 0 Fees | 0 Ins Ins | None | 10.0% upfront | 24.7% - 27.6% | 30.1% - 34% | 73 | ||||||||
Crédito Emergente | 26.9% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 26.7% - 26.9% | 26.7% - 26.9% | 100 | ||||||||
Crédito Empresarial | 24.5% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 24.5% - 28.9% | 24.5% - 28.9% | 90 | ||||||||
Crédito Vivamos Mejor | 26.9% annual, Flat | 0 Fees | 0 Ins Ins | None | N/A | 26.7% - 26.8% | 26.7% - 26.8% | 100 | ||||||||
Microcrédito Individual Minorista | 24.5%-26.9% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 26.9% - 28.9% | 26.9% - 28.9% | 88 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Consumption Loan (Baht) | 2.5%-3.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 5.0% upfront | #N/A | #N/A | N/A | ||||||||
Consumption Loan (Riel) | 2.5%-3.5% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 5.0% upfront | #N/A | #N/A | N/A | ||||||||
Consumption Loan (USD) | 2.5%-3.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 3.0% upfront | #N/A | #N/A | N/A | ||||||||
Group Loan (KHR) | 3.0%-3.5% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 5.0% upfront | #N/A | #N/A | N/A | ||||||||
Group Loan (THB) | 3.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 5.0% upfront 6.00% ongoing | #N/A | #N/A | N/A | ||||||||
Individual Loan (THB) | 2.5%-3.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 5.0% upfront | #N/A | #N/A | N/A | ||||||||
Individual Loan (KHR) | 2.5%-3.5% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 5.0% upfront | #N/A | #N/A | N/A | ||||||||
Individual Loan (USD) | 2.5%-3.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 3.0% upfront | #N/A | #N/A | N/A |
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% Products with compulsory deposits |
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