Institution # Borrowers Portfolio (US$) Products Age of Data
ACB-SA4,3351,476,288690
Comicoka827758,435490
COOJAD511823,215690
COOPEDU2,0297,549,835990
Duterimbere6,6074,365,044390
Goshen2,0763,716,0085107
Inkingi2,6482,593,3665107
RML4,9603,473,781390
UCU3,3911,603,524490
Urwego37,90014,755,0006
Vision Finance14,2263,474,6466107
Wisigara2,177904,708390
Zamuka253124,445390
Zigama CSS53,80659,670,7532107
Please note that the information you are viewing is 117 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Cooperativa Luz Del Valle Av. Abdon calderon 524 e ines gangotenaConcepcion y Santa Rita esquinaSangolqui, Pichincha
Data approved: 2010-11-08
Data version: 1
Age of data: 117 months

Product

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Product Details

Key Statistics
Outstanding portfolio (USD)USD 600,000
Portfolio (USD)USD 600,000
Active Clients with Loans950
Approximate % Female Clients40% - 60%
Approximate % Urban Clients20% - 40%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
crédito otorgado hasta un monto maximo de $1.500 destino al segmento de microcredito minorista, para usos diversos del negocio familiar
Loan Purpose
Any purposex
Income generation
Mortgage/housing
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit education
Group meetings
Credit insurancex
Workplace visits
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or land
Must be a salaried worker
Must be specific age group
Other
Other (2)
# Borrowers by Product
Portfolio Size by Product
Geographic Coverage
# Regions for this institutionN/A
# Regions for this productN/A
Regions Active

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 350
Maximum loan size1,500
Loan Term and Grace Period
Shortest loan term1.0 month
Longest loan term12.0 months
Approx average8.0 months
Grace Period
Grace period usage0
Average grace period0
Repayment Frequency
Daily
Weekly
Every 2 weeks
Every 4 weeks
Monthlyx
Every 2 months
Quarterly
Every 6 months
Every 12 months
Single end payment
Irregular payments

Pricing Information

Interest
Lowest quoted nominal interest22.50%
Highest quoted nominal interest26.00%
Reason(s) why interest rate variesLoan Size, Client Risk, Collateral
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
This product has no upfront fees
Ongoing Fees
This product has no ongoing fees
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
Ins 1Ins 2
Descriptionseguro de desgravamenseguro de desgravamen
% of loan amount - min3.00%3.00%
% of loan amount - max3.00%3.00%
OR, Fixed amount - min00
Fixed amount - max00
Reason for variationN/AN/A
Appears on Repayment Sched?YesYes
Compulsory Deposit
Required forAll
CriteriaN/A
Is deposit indicated on the repayment schedule?
Do borrowers control deposit in their group?
Deposit BEFORE or AT Disbursement
% loan amount deposited10.00%
or, Fixed-amount deposited0
Deposits DURING period payments
% loan amount deposited0
or, Fixed-amount deposited0
Conditions on access to depositAccess During
Interest Paid on Deposit
Minimum interest rate paid1.25%
Maximum interest rate paid1.25%
Interest payment frequencyMonthly
Taxes
Are taxes charged on this product?No
Additional Comments
la relacion encaje - prestamo siempre debe ser el 1%

Full Pricing Data

Oportuno samples
Sample 1Sample 2Sample 3Sample 4
Loan AmountUSD 350USD 400USD 900USD 1,000
Loan Cycle (1, 2, 3, etc)13161
Disbursement Date2010-07-272010-08-192010-08-032010-08-22
Loan Term (Months)6.0 months6.0 months1.0 month12.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot Known
True Price by Comp       
Interest and Fee Component24.7%24.4%24.3%24.6%
Insurance Component0.3%0.3%0.3%0.3%
Tax Component0.0%0.0%0.0%0.0%
Deposit Component2.7%2.7%2.6%2.6%
Full APR (int fee ins tax dep)27.6%27.4%27.2%27.5%
Transparency Index81828382
        
Original Repayment SchedulePDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDF
Oportuno Price Graphs


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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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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