Institution

San Miguel de los Bancos AV. 17 DE JULIO Y JAIME ROLDOSSAN MIGUEL DE LOS BANCOSPichincha
Data approved: 2011-02-09
Data version: 1
Age of data: 160 months

Institution

E-Life Development Agency 1st Floor, Room 3No.1 Cargo DivisionTechiman, Brong Ahafo RegionPO Box 571
Data approved: 2011-12-07
Data version: 1
Age of data: -   months 

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?No
Website addresshttp://WWW.COACSANMIGUEL.FIN.EC/
Year established1995
Head of InstitutionSULEMA PIZARRO CANDO
Regions active
# Branches3

Total Portfolio (nat'l)USD 4,602,402.64
Total Portfolio (USD)USD 4,602,402.64
Active clients with loans1,953
Approximate % female clients20% - 40%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.eldaorgan.com/
Year established2000
Head of InstitutionYaw Afrifa Anim
Regions active0
# Branches5

Total Portfolio (nat'l)GHS 47,644.10
Total Portfolio (USD)USD 24,184.82
Active clients with loans479
Approximate % female clients80% - 100%
Approximate % urban clients20% - 40%
Network affiliationsGHAMFIN, Association of Financial NGOs, Brong Ahafo Association of NGOs
FundersEU and UN (Joint Migration for Development Initiative), Diakonia, Geneval Global

Loan Products » Summary

749 Borrowers
USD 1,659,418.25 Portfolio
Active Product
53 Borrowers
USD 397,481.11 Portfolio
Active Product
621 Borrowers
USD 1,495,211.67 Portfolio
Active Product
359 Borrowers
USD 1,107,861.69 Portfolio
Active Product
32 Borrowers
USD 94,986.44 Portfolio
Low Volume Product
Note: MFTransparency presents full data for active products with over 50 borrowers. Basic data is shown for lower volume products

Loan Products » Summary

181 Borrowers
USD 9,137.06 Portfolio
Active Product
298 Borrowers
USD 15,047.72 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Credito de Consumo USD 250 - 8,000 4 - 30 20% - 40% 40% - 60% Any Purpose Women, Men, Salaried worker Credit Ins
Credito de Vivienda USD 8,001 - 17,000 38 - 58 20% - 40% 60% - 80% Housing, Compra de terreno, casa, apartamentos, Construccion y mejora de casa Women, Men, Have business, Have home or land, Salaried worker Credit Ins
Micro Juanita Individual USD 250 - 17,000 4 - 56 40% - 60% 60% - 80% Business Women, Men, Have business, DEPENDE DEL MONTO PRESENTA COPIAS DE UN BIEN INMUEBLE. Credit Ins
Microcreditos USD 250 - 17,000 4 - 56 20% - 40% 60% - 80% Business Women, Men, Have business, DEPENDE DEL MONTO PRESENTA COPIAS DEL BIEN INMUEBLE. Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Individual Credit Product GHS 1,000 - 5,000 3 - 5 80% - 100% 20% - 40% Business Women, Men, Have business Credit Educ, Tech Asst Visits, Business Training
Trade Confidence Credit Product (TCCP) GHS 300 - 2,000 3 - 5 80% - 100% 20% - 40% Business Women, Men, Have business Credit Educ, Tech Asst Visits, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Credito de Consumo 15.2% annual, Decl Bal 0 Fees 1 Ins None 9.0% upfront 15.4% 18.7% - 19.2% 79
Credito de Vivienda 10.8% annual, Decl Bal 1 Fee 0 Ins None 9.0% upfront 10.9% 13.8% 78
Micro Juanita Individual 20.0%-26.9% annual, Decl Bal 0 Fees 1 Ins None N/A 20.3% 21% 95
Microcreditos 20.0%-26.9% annual, Decl Bal 0 Fees 1 Ins None N/A 22.3% - 27.3% 23.1% - 28% 80

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Individual Credit Product 48.00% annual, Flat 2 Fees 0 Ins None 10.00%- upfront 0% 0% N/A
Trade Confidence Credit Product (TCCP) 48.00% annual, Flat 2 Fees 0 Ins None 10.00%- 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
Credito de Consumo 15.2% annual, Decl Bal 0 Fees 1 Ins Ins None 9.0% upfront 15.4% 18.7% - 19.2% 79
Credito de Vivienda 10.8% annual, Decl Bal 1 Fee 0 Ins Ins None 9.0% upfront 10.9% 13.8% 78
Micro Juanita Individual 20.0%-26.9% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 20.3% 21% 95
Microcreditos 20.0%-26.9% annual, Decl Bal 0 Fees 1 Ins Ins None N/A 22.3% - 27.3% 23.1% - 28% 80

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Individual Credit Product 48.00% annual, Flat 2 Fees 0 Ins Ins None 10.00%- upfront 0% 0% N/A
Trade Confidence Credit Product (TCCP) 48.00% annual, Flat 2 Fees 0 Ins Ins None 10.00%- upfront 0% 0% N/A
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