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Institution

Micro Options Mohallah Hussainiya, Thaneel RoadChakwal, Punjab
Data approved: 2015-05-05
Data version: 2
Age of data: 106 months

Institution

CEPESIU Veintimilla E10-50 y Av. 12 de OctubreEdificio Quito 12 El Giron Torre W, PenthouseQuito, Pichincha
Data approved: 2010-11-22
Data version: 1
Age of data: 163 months

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?Yes
Website addresshttp://www.microoption.org
Year established2009
Head of InstitutionShazia Abbas
Regions activeIslambad Capital Territory, Punjab
# Branches5

Total Portfolio (nat'l)PKR 78,225,144
Total Portfolio (USD)USD 768,170.91
Active clients with loans4,024
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliationsPunjab Microfinance Network, Pakistan Microfinance Network, Human Resouce Development Network (HRDN)
FundersPakistan Poverty Alleviation Fund, Plan Pakistan/NRSP, Institute of Rural Management (IRM), Philonthrophist / Individual Donations

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.cepesiu.org.ec/
Year established1983
Head of InstitutionCecilia Padilla
Regions active
# Branches3

Total Portfolio (nat'l)USD 939,466.31
Total Portfolio (USD)USD 939,466.31
Active clients with loans2,011
Approximate % female clients40% - 60%
Approximate % urban clients60% - 80%
Network affiliations
Funders

Loan Products » Summary

1,831 Borrowers
USD 384,027.30 Portfolio
Active Product
1,813 Borrowers
USD 247,824.93 Portfolio
Active Product
344 Borrowers
USD 120,730.65 Portfolio
Low Volume Product
14 Borrowers
USD 6,812.63 Portfolio
Low Volume Product
22 Borrowers
USD 8,775.40 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

166 Borrowers
USD 66,556.84 Portfolio
Active Product
176 Borrowers
USD 157,302.20 Portfolio
Active Product
1,612 Borrowers
USD 589,823 Portfolio
Active Product
SPI
57 Borrowers
USD 125,784.24 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Livestock Loan PKR 5,000 - 75,000 12 40% - 60% 0% - 20% Business Women, Men, Have business, Specific age group Group Mtgs, Tech Asst Visits, Other Training
Commerce Loan PKR 5,000 - 30,000 12 20% - 40% 60% - 80% Business Women, Men, Have business, Specific age group Group Mtgs, Tech Asst Visits, Other Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Programa de Crédito Directo USD 500 - 1,500 4 - 8 20% - 40% 0% - 20% Business Women, Men, Have business, Asociacion debe haber firmado convenio con Cepesiu, Producto dirigido a produccion agricola de ciclo corto Tech Asst Visits
Programa de Crédito Individual (PCI) USD 500 - 3,000 6 - 18 40% - 60% 80% - 100% Business Women, Men, Have business, Buena calificacion en la Central de Riesgos, Negocios establecidos un año Tech Asst Visits
Programa Grupo Solidario USD 200 - 1,500 4 - 18 60% - 80% 60% - 80% Business Women, Men, Have business, Buena calificacion en central de riesgos., Negocio funcionando 1 año. Tech Asst Visits
Sociedad Popular de Inversión SPI USD 300 - 10,000 4 - 24 40% - 60% 20% - 40% Business Women, Men, Estructuras financieras locales autogestionadas de credito, Minimo 4 meses de funcionamiento Tech Asst Visits, Cepesiu brinda asistencia tecnica con recursos no reembolsables

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Livestock Loan 26.0%-31.0% annual, Decl Bal 1 Fee 0 Ins None N/A 32.9% - 34% 32.9% - 34% 78
Commerce Loan 26.0%-31.0% annual, Decl Bal 1 Fee 0 Ins None N/A 33.8% - 36.3% 33.8% - 36.3% 74

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Programa de Crédito Directo 28.6% annual, Decl Bal 0 Fees 0 Ins None 12.0% upfront 28.9% - 29% 32.9% 87
Programa de Crédito Individual (PCI) 28.6% annual, Decl Bal 0 Fees 0 Ins None 12.0% upfront 15.2% - 19.8% 15.2% - 25.2% 100
Programa Grupo Solidario 28.6% annual, Decl Bal 0 Fees 0 Ins None 12.0% upfront 19.8% - 24.8% 25.2% - 31.1% 97
Sociedad Popular de Inversión SPI 26.0% annual, Decl Bal 0 Fees 0 Ins None N/A 19% - 24.8% 19% - 24.8% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Livestock Loan 26.0%-31.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 32.9% - 34% 32.9% - 34% 78
Commerce Loan 26.0%-31.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 33.8% - 36.3% 33.8% - 36.3% 74

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Programa de Crédito Directo 28.6% annual, Decl Bal 0 Fees 0 Ins Ins None 12.0% upfront 28.9% - 29% 32.9% 87
Programa de Crédito Individual (PCI) 28.6% annual, Decl Bal 0 Fees 0 Ins Ins None 12.0% upfront 15.2% - 19.8% 15.2% - 25.2% 100
Programa Grupo Solidario 28.6% annual, Decl Bal 0 Fees 0 Ins Ins None 12.0% upfront 19.8% - 24.8% 25.2% - 31.1% 97
Sociedad Popular de Inversión SPI 26.0% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 19% - 24.8% 19% - 24.8% 100
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Key Statistics
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# Borrowers
Loan Portfolio (USD)
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% Products with one or more fee
% Products with one or more insurances
% Products with compulsory deposits
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