Institution

Fundación para el Desarrollo Integral Espoir Iñaquito No. 1261 y Naciones Unidas Edficio Comandato Torre Iñaquito PenthouseQuito, Pichincha
Data approved: 2010-11-08
Data version: 1
Age of data: 163 months

Institution

Finamerica Calle 16 # 6-66 piso 4Bogotá, Cundinamarca
Data approved: 2011-03-15
Data version: 1
Age of data: 159 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.espoir.org.ec/
Year established2002
Head of InstitutionDr. Guillero José Francisco Moreno Oleas
Regions active
# Branches6

Total Portfolio (nat'l)USD 21,264,263
Total Portfolio (USD)USD 21,264,263
Active clients with loans56,896
Approximate % female clients80% - 100%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.finamerica.com.co/
Year established1997
Head of InstitutionGregorio Alberto Mejia Solano
Regions active
# Branches43

Total Portfolio (nat'l)COP 183,819,000,000
Total Portfolio (USD)USD 100,999,450.50
Active clients with loans45,380
Approximate % female clients40% - 60%
Approximate % urban clients80% - 100%
Network affiliationsACCION INTERNACIONAL
FundersCaja de compensacion Familiar Colsubsdio, Caja de compensacion Familiar Cafam, Caja de compensacion Familiar Comfandi, Caja de compensacion Familiar Confenalco

Loan Products » Summary

52,471 Borrowers
USD 13,907,941 Portfolio
Active Product
6,175 Borrowers
USD 1,687,779 Portfolio
Active Product
1,635 Borrowers
USD 2,414,152 Portfolio
Active Product
773 Borrowers
USD 404,805 Portfolio
Active Product
1,094 Borrowers
USD 2,621,383 Portfolio
Active Product

Loan Products » Summary

2,505 Borrowers
USD 7,450,166.34 Portfolio
Active Product
6,585 Borrowers
USD 18,584,395.79 Portfolio
Active Product
23,954 Borrowers
USD 55,023,076.92 Portfolio
Active Product
955 Borrowers
USD 15,205,774.15 Portfolio
Active Product
311 Borrowers
USD 94,508.40 Portfolio
Active Product
YA
5,198 Borrowers
USD 3,119,030.61 Portfolio
Active Product
320 Borrowers
USD 59,881.76 Portfolio
Active Product

Loan Products » Conditions

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

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Consumo Libre Destino COP 300,000 - 65,000,000 12 - 59 40% - 60% 80% - 100% Any Purpose Women, Men, Have business, Salaried worker Other Training, Fidelizacion
Crédito preferencial ( Credipremium) COP 772,500 - 83,430,000 6 - 59 40% - 60% 80% - 100% Any Purpose Women, Men, Have business Other Training, Programa Afinidad ( tarjeta club finamigos)
Credito Individual Nuevo y Renovado COP 772,000 - 83,430,000 1 - 59 40% - 60% 80% - 100% Business, Capital de Trabajo Women, Men, Have business Credit Educ, Credit Ins, Programa Afinidad
Credito Pymes COP 12,440,000 - 300,000,000 6 - 59 20% - 40% 80% - 100% Business, Compra de mercancías, insumos, adquisición de maqu Women, Men, Have business, Personas Naturales y Jurídicas con activos entre $248 y $2.480 millones pertenecientes a los sectore Programa Afinidad (tarjeta club finamigos)
Grupo Solidario Confianza COP 200,000 - 2,000,000 3 - 12 40% - 60% 20% - 40% Business, Consumer, Capital de Trabajo Women, Men, Agrupacion de personas que tengan en comun, proyectos agropecuarios, agroindustriales, comerciales. Credit Educ, Other Training, Charlas de grupo , cobranza de creditos , charlas de ahorro.
Mi credito YA COP 400,000 - 2,400,000 6 - 12 40% - 60% 80% - 100% Business, Capital de Trabajo Women, Men, Have business, Personas sin experiencia crediticia Credit Ins, Other Training, programa de Fidelizacion clientes Club Finamigos
Micro confianza COP 200,000 - 700,000 3 - 6 40% - 60% 80% - 100% Business, Capital de Trabajo Women, Men, Have business, antigàŒedad del negocio de 18 meses y activos fijos inferiores a 500 SMLV Credit Ins, Other Training, programa de Fidelizacion clientes Club Finamigos

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumo Libre Destino 14.4%-28.7% annual, Decl Bal 2 Fees 1 Ins None N/A 23.9% - 24.8% 24.7% - 25.5% 57
Crédito preferencial ( Credipremium) 10.2%-28.7% annual, Decl Bal 2 Fees 1 Ins None N/A 14.6% - 28% 15.4% - 28.8% 45
Credito Individual Nuevo y Renovado 8.0%-29.6% annual, Decl Bal 2 Fees 1 Ins None N/A 41.2% - 44.3% 42% - 45.1% 18
Credito Pymes 20.9%-21.6% annual, Decl Bal 2 Fees 1 Ins None N/A 13.7% - 23.1% 14.5% - 23.8% 100
Grupo Solidario Confianza 18.7%-29.6% annual, Decl Bal 1 Fee 1 Ins None N/A 33.6% - 52.5% 34.2% - 53.3% 42
Mi credito YA 22.4%-29.9% annual, Decl Bal 1 Fee 1 Ins None N/A 50.6% - 52.9% 51.3% - 53.7% 43
Micro confianza 21.6%-29.6% annual, Decl Bal 1 Fee 1 Ins None N/A 33.9% - 53.2% 34.5% - 53.9% 48

Loan Products » Pricing Information

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumo Libre Destino 14.4%-28.7% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 23.9% - 24.8% 24.7% - 25.5% 57
Crédito preferencial ( Credipremium) 10.2%-28.7% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 14.6% - 28% 15.4% - 28.8% 45
Credito Individual Nuevo y Renovado 8.0%-29.6% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 41.2% - 44.3% 42% - 45.1% 18
Credito Pymes 20.9%-21.6% annual, Decl Bal 2 Fees 1 Ins Ins None N/A 13.7% - 23.1% 14.5% - 23.8% 100
Grupo Solidario Confianza 18.7%-29.6% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 33.6% - 52.5% 34.2% - 53.3% 42
Mi credito YA 22.4%-29.9% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 50.6% - 52.9% 51.3% - 53.7% 43
Micro confianza 21.6%-29.6% annual, Decl Bal 1 Fee 1 Ins Ins None N/A 33.9% - 53.2% 34.5% - 53.9% 48
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Loan Portfolio (USD)
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% Products with one or more fee
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