2. INSOTEC
Please note that the information you are viewing is 164 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Markaz
Please note that the information you are viewing is 132 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

INSOTEC Juan León Mera N24-12 y WilsonQuito, Pichincha
Data approved: 2010-11-08
Data version: 1
Age of data: 164 months

Institution

Markaz Community Cooperative Credit Union GumaniTamale, Northern Region
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 
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Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.insotec-ec.com/
Year established1980
Head of InstitutionJosé Lanusse
Regions active
# Branches4

Total Portfolio (nat'l)USD 6,252,818
Total Portfolio (USD)USD 6,252,818
Active clients with loans7,244
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsRed Financiera Rural
FundersSISTEMA NACIONAL MICROFINANZAS, SYMBIOTICS, TRIODOS, ETIMOS

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addressN/A
Year established2009
Head of InstitutionPhyllis Ayetey
Regions active0
# Branches0

Total Portfolio (nat'l)GHS 150,000
Total Portfolio (USD)USD 76,142.13
Active clients with loans650
Approximate % female clients60% - 80%
Approximate % urban clients80% - 100%
Network affiliationsCredit Union Association (CUA), GHAMFIN
FundersChristian Children's Fund of Canada

Loan Products » Summary

CrediAgro
3,966 Borrowers
USD 3,443,769.36 Portfolio
Active Product
CrediSimple
2,808 Borrowers
USD 2,504,087.79 Portfolio
Active Product
Emergente
58 Borrowers
USD 26,695.01 Portfolio
Active Product
SINCO
172 Borrowers
USD 73,328.71 Portfolio
Active Product

Loan Products » Summary

Business
50 Borrowers
USD 15,228.43 Portfolio
Active Product
Credit Union
300 Borrowers
USD 35,532.99 Portfolio
Active Product
Enterprise
300 Borrowers
USD 25,380.71 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
CrediAgro USD 300 - 10,000 4 - 30 40% - 60% 0% - 20% Business, Mejora Local Women, Men, Have business Credit Ins
CrediSimple USD 300 - 10,000 4 - 30 40% - 60% 60% - 80% Business, Solo para capital de Trabajo, Activo Fijo,Mejora Local Women, Men, Have business Credit Ins
Emergente USD 250 - 1,800 3 - 5 20% - 40% 0% - 20% Business, Other, Usar solo para capital de trabajo Women, Men, Have business, Have home or land Credit Ins
SINCO USD 300 - 1,000 3 - 8 40% - 60% 20% - 40% Business, Usar solo para capital de trabajo Women, Men, Have business, Have home or land, Propietario de Terreno Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Business Loan GHS 1,000 - 5,000 6 - 12 60% - 80% 80% - 100% Business Women, Men, Have business Tech Asst Visits
Credit Union Loan GHS 100 - 2,000 3 - 12 40% - 60% 80% - 100% Any Purpose Women, Men Credit Ins
Micro-Enterprise Loan GHS 100 - 1,000 6 - 12 60% - 80% 80% - 100% Business Women, Men, Have business Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
CrediAgro 22.3%-26.9% annual, Decl Bal 1 Fee 0 Ins None N/A 24.8% - 27.3% 28% - 30.5% 75
CrediSimple 24.5%-29.9% annual, Decl Bal 0 Fees 1 Ins None N/A 24.8% - 27.3% 28.1% - 30.4% 83
Emergente 24.5%-26.9% annual, Decl Bal 1 Fee 0 Ins None N/A 27.2% - 27.3% 30% - 30.3% 81
SINCO 24.5%-26.9% annual, Decl Bal 1 Fee 0 Ins None N/A 27.2% - 27.3% 30.3% - 30.4% 80

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 40.00% annual, Flat 1 Fee 0 Ins None 25.00%- upfront 0% 0% N/A
Credit Union Loan 36.00% annual, Decl Bal 1 Fee 0 Ins None 50.00%- upfront 0% 0% N/A
Micro-Enterprise Loan 30.00% annual, Flat 1 Fee 0 Ins None 35.00%- upfront 0% 0% N/A

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
CrediAgro 22.3%-26.9% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 24.8% - 27.3% 28% - 30.5% 75
CrediSimple 24.5%-29.9% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 24.8% - 27.3% 28.1% - 30.4% 83
Emergente 24.5%-26.9% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 27.2% - 27.3% 30% - 30.3% 81
SINCO 24.5%-26.9% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 27.2% - 27.3% 30.3% - 30.4% 80

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Business Loan 40.00% annual, Flat 1 Fee 0 Ins Ins None 25.00%- upfront 0% 0% N/A
Credit Union Loan 36.00% annual, Decl Bal 1 Fee 0 Ins Ins None 50.00%- upfront 0% 0% N/A
Micro-Enterprise Loan 30.00% annual, Flat 1 Fee 0 Ins Ins None 35.00%- upfront 0% 0% N/A
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