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 | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | N/A |
Year established | 1987 |
Head of Institution | Dr. Vicente R. Geducos, CPA |
Regions active | |
# Branches | 9 |
Total Portfolio (nat'l) | PhP 77,295,975.67 |
Total Portfolio (USD) | USD 1,849,186.02 |
Active clients with loans | 18,350 |
Approximate % female clients | 80% - 100% |
Approximate % urban clients | 0% - 20% |
Network affiliations | Opportunity International Network, Alliance for Philippine Partners in Enterprise Development (APPEND), Mindanao Microfinance Council (MMC), Philippine Partnership for the Development of Human Resources in Rural Areas (PhilDHRRA) |
Funders | OIKOCredit, People's Credit and Finance Corporation (PCFC), PinoyMe Foundation, Small Business Corporation (SBC) |
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 | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Group Loan | PHP 3,000 - 30,000 | 3 - 10 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business, Have home or land | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Community Development Program | |||||||
Individual Loan | PHP 10,000 - 40,000 | 3 - 10 | 80% - 100% | 0% - 20% | Business | Women, Men, Have business, Have home or land | Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training, Other Training, Community Development Program |
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 | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Group Loan | 36.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0% upfront 40.00 ongoing | 80.6% - 93.1% | 94.6% - 216.6% | 27 | ||||||||
Individual Loan | 36.0% annual, Flat | 1 Fee | 1 Ins | None | 5.0% upfront | 84.5% - 85.9% | 99.6% - 108.9% | 34 |
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 | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Group Loan | 36.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.0% upfront 40.00 ongoing | 80.6% - 93.1% | 94.6% - 216.6% | 27 | ||||||||
Individual Loan | 36.0% annual, Flat | 1 Fee | 1 Ins Ins | None | 5.0% upfront | 84.5% - 85.9% | 99.6% - 108.9% | 34 |
Key Statistics | |
---|---|
# Samples: | |
# 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 |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
---|---|---|---|---|---|---|---|
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
N (# of Samples) | ||||||
Total Borrrowers of Samples | ||||||
Avg | ||||||
Min | ||||||
Max | ||||||
Std Dev | ||||||
By Inst Type | ||||||
By Country | ||||||
X Axis | ||||||
---|---|---|---|---|---|---|
Greater than: | ||||||
Less or equal to: | ||||||
From 0 to | ||||||
to | ||||||
to | ||||||
to ∞ |