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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: 113 months

Institution

Oromia Credit & Savings S.C Bole RoadNr Damu HotelAddis AbabaPO BOX 19853
Data approved: 2011-12-23
Data version: 1
Age of data: 100 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 Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.oromiamicrofinance.com/
Year established1997
Head of InstitutionTeshome Kebede
Regions active
# Branches242

Total Portfolio (nat'l)ETB 1,280,000,000
Total Portfolio (USD)USD 69,565,217.39
Active clients with loans503,000
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliationsAEMFI
FundersCare International, Catholic Relief Services, A Glimmer of Hope, CIDR

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

405,776 Borrowers
USD 49,802,603.26 Portfolio
Active Product
68,000 Borrowers
USD 10,563,695.65 Portfolio
Active Product
29,000 Borrowers
USD 9,198,913.04 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
Agriculture Loan ETB 1,900 - 5,000 12 20% - 40% 0% - 20% Business, Agriculture Women, Men Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training
Micro & Small Enterprise Loan ETB 10,000 - 120,000 12 - 60 20% - 40% 80% - 100% Any Purpose Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training
Urban Petty Trading Loan ETB 2,000 - 5,000 4 - 12 80% - 100% 80% - 100% Business Women, Men Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training

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
Agriculture Loan 10.0%-15.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 13.4% - 19.3% 15.7% - 22.6% 54
Micro & Small Enterprise Loan 10.0% annual, Flat 1 Fee 0 Ins None 20.00 ongoing 21.8% 21.8% 46
Urban Petty Trading Loan 10.0%-15.0% annual, Flat 1 Fee 1 Ins None 10.0% upfront 23.8% - 31.2% 30.4% - 39.3% 31

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
Agriculture Loan 10.0%-15.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 13.4% - 19.3% 15.7% - 22.6% 54
Micro & Small Enterprise Loan 10.0% annual, Flat 1 Fee 0 Ins Ins None 20.00 ongoing 21.8% 21.8% 46
Urban Petty Trading Loan 10.0%-15.0% annual, Flat 1 Fee 1 Ins Ins None 10.0% upfront 23.8% - 31.2% 30.4% - 39.3% 31
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