2. Espoir
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  2. FDM
Please note that the information you are viewing is 134 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

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

Fundo de Desenvolvimento da Mulher Estrada Nacional Numero 1 Fidel CastroXai-Xai, Gaza
Data approved: 2013-05-22
Data version: 2
Age of data: 134 months
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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?Yes
Website addressN/A
Year established2004
Head of InstitutionAna Maria da C. Salvador
Regions activeMaputo Capital, Maputo Province, Inhambane, Gaza
# Branches3

Total Portfolio (nat'l)MZN 7,213
Total Portfolio (USD)USD 237.27
Active clients with loans30,483,957
Approximate % female clients80% - 100%
Approximate % urban clients0% - 20%
Network affiliationsMIX Market, AMOMIF, AFRACA
FundersFARE-Fundo de Apoio a Rehabilitacao Economica, UNCDF, Caixa Catalunya, BIM

Loan Products » Summary

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

Loan Products » Summary

Agricultura
1,645 Borrowers
USD 247,419.34 Portfolio
Active Product
Geral
3,182 Borrowers
USD 555,674.24 Portfolio
Active Product
Jovem
1,765 Borrowers
USD 65,080.79 Portfolio
Active Product
Consumo
621 Borrowers
USD 134,587.37 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
Credito Agricultura MZN 640 - 100,000 2 - 6 80% - 100% 0% - 20% Agriculture Women, Men, Have business, Tem de ser agricultor/avicultor desde min 6 meses Group Mtgs, Tech Asst Visits
Credito Geral MZN 640 - 350,000 2 - 6 80% - 100% 0% - 20% Business, Consumer Women, Have business, Salaried worker, tem de ser empresrio pelo menos 6 meses ou ser salariado Group Mtgs, Credit Ins, Tech Asst Visits
Credito Jovem MZN 3,000 - 20,000 2 - 6 80% - 100% 0% - 20% Any Purpose Women, Men, Specific age group, Idade 18-30 anos Credit Educ, Group Mtgs
Credito ao Consumo MZN 3,000 - 350,000 2 - 18 80% - 100% 0% - 20% Any Purpose Women, Men Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits

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
Credito Agricultura 36.0% annual, Flat 1 Fee 1 Ins None 10.00% ongoing 35.4% - 37.5% 39.4% - 42.8% 87
Credito Geral 60.0%-66.0% annual, Flat 1 Fee 1 Ins None 10.00% ongoing 71% - 91% 79.8% - 102.1% 63
Credito Jovem 42.0% annual, Flat 1 Fee 1 Ins None 10.00% ongoing 61.7% - 65.4% 71% - 75.1% 57
Credito ao Consumo 60.0%-66.0% annual, Flat 1 Fee 1 Ins None 10.00% ongoing 72.4% - 78.8% 79.6% - 88.4% 70

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
Credito Agricultura 36.0% annual, Flat 1 Fee 1 Ins Ins None 10.00% ongoing 35.4% - 37.5% 39.4% - 42.8% 87
Credito Geral 60.0%-66.0% annual, Flat 1 Fee 1 Ins Ins None 10.00% ongoing 71% - 91% 79.8% - 102.1% 63
Credito Jovem 42.0% annual, Flat 1 Fee 1 Ins Ins None 10.00% ongoing 61.7% - 65.4% 71% - 75.1% 57
Credito ao Consumo 60.0%-66.0% annual, Flat 1 Fee 1 Ins Ins None 10.00% ongoing 72.4% - 78.8% 79.6% - 88.4% 70
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