2. Coop Fatima
Please note that the information you are viewing is 165 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
  2. Coop San Miguel
Please note that the information you are viewing is 161 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 DE AHORRO Y CREDITO FATIMA LTDA. CALLE OBISPO PEÑA No 63Santa Cruz, Santa Cruz
Data approved: 2010-10-28
Data version: 1
Age of data: 165 months

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: 161 months

Product

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Product

Microcreditos Product 5 of 5 « Prev | Next »

Product Summary

Number borrowers334
Loan Amount (range)USD 10,000 - 140,000
Loan Term (range)120 - 180
Other Services (text summary)Credit Educ, Credit Ins, Tech Asst Visits
Annual Interest & Method10.0%-13.0% annual, Decl Bal
Fees1.00% upfront 6.00% ongoing
InsuranceNone
Tax3.00 fixed
Comp DepN/A
Range of pricing 
Interest Price ComponentN/A
Fee Component13.2% - 13.9% (Int+Fee)
Insurance Component0 - 0.8%
Tax Component Range0.3% - 6.6%
Full APR (int fee ins tax dep)14.2% - 14.4%
Transparency Index (min/max)58 - 92
Transparency Index (average)70

Product Summary

359
USD 250 - 17,000
4 - 56
Credit Ins
20.0%-26.9% annual, Decl Bal
None
6.00% ongoing
None
N/A
 
N/A
22.3% - 27.3% (Int+Fee)
0.7%
0
23.1% - 28.0%
0 - N/A
80

Product Details

Key Statistics
Outstanding portfolio (USD)USD 4,302,502
Portfolio (USD)USD 4,302,502
Active Clients with Loans334
Approximate % Female Clients0% - 20%
Approximate % Urban Clients80% - 100%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
DESTINADO PARA COMPRA, REFACCION, AMPLIACION O REMODELACION DE VIVIENDA. GARANTIA DEL MISMO INMUEBLE
Loan Purpose
Any purpose
Income generationx
Mortgage/housingx
Consumer loan
Agriculture
Education
Other household finance
Other
Other (2)
Included Services
Credit educationx
Group meetings
Credit insurancex
Workplace visitsx
Business training
Other training
Other
Other (2)
No other services
Eligibility
Menx
Womenx
Must run a businessx
Must own a home or landx
Must be a salaried workerx
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

Product Details

Key Statistics
Outstanding portfolio (USD)USD 1,107,861.69
Portfolio (USD)USD 1,107,861.69
Active Clients with Loans359
Approximate % Female Clients20% - 40%
Approximate % Urban Clients60% - 80%
Methodology
Individualx
Solidarity group
Village banking
Self help group
Other
Description
OTORGADOS A MICROEMPRERSARIOS PEQUEÑOS Y MEDIANOS PARA CAPITAL DE TRABAJO, DESTINADOS A FINANCIAR ACTIVIDADES DE PEQUEÑA Y MEDIANA ESCALA PARA INVERSIÓN, PRODUCCIÓN O COMERCIZALIZACIÓN.
Loan Purpose
Any purpose
Income generationx
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
OtherDEPENDE DEL MONTO PRESENTA COPIAS DEL BIEN INMUEBLE.
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 10,000
Maximum loan size140,000
Loan Term and Grace Period
Shortest loan term120.0 months
Longest loan term180.0 months
Approx average0
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

Loan Conditions

Loan Amount
CurrencyUSD
Minimum loan sizeUSD 250
Maximum loan size17,000
Loan Term and Grace Period
Shortest loan term4.0 months
Longest loan term56.0 months
Approx average42.0 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 interest10.00%
Highest quoted nominal interest13.00%
Reason(s) why interest rate variesLoan Size
Interest rate periodYearly
Interest Rate Calculation MethodDecl Bal
Subsidized by funder request?
Is rate fixed for entire loan termYes
Upfront Fees
Fee 1
DescriptionSeguro Contra Incendio
% of loan amount - min1.00%
% of loan amount - max1.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variation
Appears on Repayment Sched?No
Ongoing Fees
Fee 1
DescriptionSeguro de Vida
% of loan amount - min6.00%
% of loan amount - max6.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Upfront Insurance Fees
This product has no upfront insurance fees
Ongoing Insurance Fees
This product has no ongoing insurance fees
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?Yes
Percentage of fees0
All or some fees taxedN/A

Pricing Information

Interest
Lowest quoted nominal interest20.00%
Highest quoted nominal interest26.90%
Reason(s) why interest rate variesLoan Size
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 1
DescriptionSEGURO DESGRAVAMEN DE DOS CABEZAS SOBRE EL MONTO DEL CREDITO DISTRIBUIDO EN CADA CUOTA
% of loan amount - min6.00%
% of loan amount - max6.00%
OR, Fixed amount - min0
Fixed amount - max0
Reason for variationN/A
Appears on Repayment Sched?Yes
Compulsory Deposit
Required forNever
CriteriaN/A
Is deposit indicated on the repayment schedule?N/A
Do borrowers control deposit in their group?N/A
Deposit BEFORE or AT Disbursement
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Deposits DURING period payments
% loan amount depositedN/A
or, Fixed-amount depositedN/A
Conditions on access to depositN/A
Interest Paid on Deposit
Minimum interest rate paidN/A
Maximum interest rate paidN/A
Interest payment frequencyN/A
Taxes
Are taxes charged on this product?No
Additional Comments
ESTE TIPO DE CREDITO ES UTILIZADO PARA INCREMENTAR EL CAPITAL DEL NEGOCIO DE TODA ACTIVIDAD MICROPRODUCTIVA

Full Pricing Data

HIPOTECARIO DE VIVIENDA samples
Sample 1Sample 2Sample 3
Loan AmountUSD 11,200USD 15,000USD 16,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot Known
Disbursement Date2010-09-212010-09-212010-09-22
Loan Term (Months)120.0 months120.0 months120.0 months
Grace Period (Months)0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot Known
True Price by Comp     
Interest and Fee Component13.2%13.9%13.2%
Insurance Component0.7%0.0%0.7%
Tax Component0.4%0.3%0.3%
Deposit Component0.0%0.0%0.0%
Full APR (int fee ins tax dep)14.4%14.2%14.2%
Transparency Index707070
      
Original Repayment SchedulePDFPDFPDF
MFT Pricing CalculationPDFPDFPDF

Full Pricing Data

Microcreditos samples
Sample 1Sample 2Sample 3Sample 4Sample 5
Loan AmountUSD 400USD 1,000USD 4,000USD 8,000USD 12,000
Loan Cycle (1, 2, 3, etc)Not KnownNot KnownNot KnownNot KnownNot Known
Disbursement Date2010-10-162010-09-142010-09-242010-09-172010-09-23
Loan Term (Months)1.0 month12.0 months27.0 months35.0 months36.0 months
Grace Period (Months)0.0 months0.0 months0.0 months0.0 months0.0 months
Total Cost of CreditNot KnownNot KnownNot KnownNot KnownNot Known
True Price by Comp         
Interest and Fee Component27.3%27.3%22.3%22.4%23.2%
Insurance Component0.7%0.7%0.7%0.7%0.7%
Tax Component0.0%0.0%0.0%0.0%0.0%
Deposit Component0.0%0.0%0.0%0.0%0.0%
Full APR (int fee ins tax dep)28.0%28.0%23.1%23.1%23.9%
Transparency Index7272878784
          
Original Repayment SchedulePDFPDFPDFPDFPDF
MFT Pricing CalculationPDFPDFPDFPDFPDF
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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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