2. Confiar
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  2. UCU
Please note that the information you are viewing is 136 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

CONFIAR Cooperativa Financiera Calle 52 N° 49-40Medellin, Antioquia
Data approved: 2011-03-15
Data version: 1
Age of data: 160 months

Institution

Union of Savings and Credit Cooperatives (UCU) NyarugengeNyamiramboKigaliPO Box 2998
Data approved: 2012-10-29
Data version: 2
Age of data: 136 months
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Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addresshttp://www.confiar.coop/
Year established1972
Head of InstitutionOswaldo Gómez
Regions active
# Branches37

Total Portfolio (nat'l)COP 311,910,000,000
Total Portfolio (USD)USD 171,379,120.90
Active clients with loans43,877
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addressN/A
Year established2005
Head of InstitutionNdahayo Jules Theoneste
Regions activeGakenke, Gasabo, Kicukiro, Musanze, Ngororero, Nyabihu, Nyamagabe, Nyanza, Nyarugenge, Ruhango
# Branches0

Total Portfolio (nat'l)RWF 1,026,255,074
Total Portfolio (USD)USD 1,710,425.12
Active clients with loans3,391
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliationsAMIR, MAIN
FundersLes membres qui libirent les parts sociales, ONG Trocaire, UNCDF, Terrafina

Loan Products » Summary

Especial
421 Borrowers
Portfolio
Active Product
Aportes
1,393 Borrowers
USD 970,769.50 Portfolio
Active Product
Credifacil
15,313 Borrowers
Portfolio
Active Product
Productivo
7,624 Borrowers
Portfolio
Active Product
Ordinario
15,774 Borrowers
USD 51,609,128.83 Portfolio
Active Product
Social VIS
3,031 Borrowers
USD 25,620,025.27 Portfolio
Active Product
Especial
275 Borrowers
USD 3,793,406.59 Portfolio
Active Product

Loan Products » Summary

Decouvert
52 Borrowers
USD 63,333 Portfolio
Active Product
Micro
521 Borrowers
USD 365,000 Portfolio
Active Product
Ordinary
2,738 Borrowers
USD 432,543 Portfolio
Active Product
Youth
80 Borrowers
USD 116,667 Portfolio
Active Product
After purpose saving loan
Retired Product
Decouvert (2 weeks)
Retired Product
Loans < 2 millions RWF
Retired Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Crédito Especial COP 258,000 - 5,869,000 1 - 60 0% 0% Any Purpose Women, Men
CrediAportes COP 258,000 - 8,569,000 6 - 36 40% - 60% 40% - 60% Any Purpose Women, Men, Debe ser Asociado de la Cooperativa. Credit Ins
Credifacil COP 267,800 - 34,814,000 6 - 60 0% 0% Any Purpose Women, Men
Microcredit Productivo COP 268,000 - 64,272,000 6 - 60 0% 0% Any Purpose Women, Men
Ordinario COP 535,600 - 38,625,000 6 - 60 40% - 60% 40% - 60% Any Purpose Women, Men Credit Ins
Vivienda de Interés Social VIS COP 7,000,000 - 57,845,000 60 - 144 40% - 60% 40% - 60% Business, Para compra o construcción de Vivienda Women, Men Credit Ins
Vivienda Especial COP 35,000,000 - 84,975,000 60 - 120 40% - 60% 40% - 60% Housing, Para compra o construcción de Vivienda., Activo Fijo Women, Men Credit Ins

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Decouvert (One Month) Loan RWF 500,000 - 1,500,000 1 0% - 20% 20% - 40% Any Purpose Women, Men, Have business Credit Educ, Credit Ins, Business Training
Microloan RWF 50,000 - 1,999,999 4 - 12 20% - 40% 0% - 20% Any Purpose Women, Men Credit Educ, Credit Ins, Tech Asst Visits, Business Training
Ordinary Loan RWF 2,000,000 - 5,000,000 12 - 18 20% - 40% 0% - 20% Any Purpose Women, Men Credit Educ, Credit Ins, Business Training
Youth Business Loan RWF 50,000 - 2,000,000 4 - 24 20% - 40% 60% - 80% Any Purpose Women, Men, Specific age group Credit Educ, Credit Ins, Business Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito Especial 7.3%-14.5% annual, Decl Bal 0 Fees 0 Ins None N/A 9.2% - 14.5% 11.5% - 14.7% 58
CrediAportes 11.0%-13.8% annual, Decl Bal 1 Fee 0 Ins None 52,000.00 upfront 12.3% - 17.6% 12.5% - 18.8% 74
Credifacil 14.4%-15.0% annual, Decl Bal 1 Fee 0 Ins None N/A 14.1% - 19.6% 14.1% - 20.9% 82
Microcredit Productivo 16.8%-24.0% annual, Decl Bal 1 Fee 0 Ins None N/A 20.3% - 30.8% 20.3% - 37.1% 63
Ordinario 16.8%-18.0% annual, Decl Bal 1 Fee 1 Ins None 52,000.00 upfront 17.8% - 20% 18.2% - 21.6% 86
Vivienda de Interés Social VIS 12.4% annual, Decl Bal 0 Fees 2 Ins None 258,000.00 upfront 12.2% 12.7% - 13.5% 95
Vivienda Especial 15.0% annual, Decl Bal 0 Fees 1 Ins None 515,000.00 upfront 14% 14.9% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Decouvert (One Month) Loan 96.00% annual, Decl Bal 0 Fees 0 Ins None N/A 93.8% 93.8% 100
Microloan 22.80% annual, Decl Bal 0 Fees 0 Ins 18.00% fees 10.00%-15.00% upfront 41% - 41.2% 50.2% - 55.7% 44
Ordinary Loan 22.80% annual, Decl Bal 0 Fees 0 Ins 18.00% fees 10.00%-15.00% upfront 23.6% - 23.8% 29.5% - 31.7% 75
Youth Business Loan 21.60% annual, Decl Bal 0 Fees 0 Ins 18.00% fees 10.00% upfront 22.7% - 24% 28.5% - 30.3% 74

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Crédito Especial 7.3%-14.5% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 9.2% - 14.5% 11.5% - 14.7% 58
CrediAportes 11.0%-13.8% annual, Decl Bal 1 Fee 0 Ins Ins None 52,000.00 upfront 12.3% - 17.6% 12.5% - 18.8% 74
Credifacil 14.4%-15.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 14.1% - 19.6% 14.1% - 20.9% 82
Microcredit Productivo 16.8%-24.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 20.3% - 30.8% 20.3% - 37.1% 63
Ordinario 16.8%-18.0% annual, Decl Bal 1 Fee 1 Ins Ins None 52,000.00 upfront 17.8% - 20% 18.2% - 21.6% 86
Vivienda de Interés Social VIS 12.4% annual, Decl Bal 0 Fees 2 Ins Ins None 258,000.00 upfront 12.2% 12.7% - 13.5% 95
Vivienda Especial 15.0% annual, Decl Bal 0 Fees 1 Ins Ins None 515,000.00 upfront 14% 14.9% 100

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Decouvert (One Month) Loan 96.00% annual, Decl Bal 0 Fees 0 Ins Ins None N/A 93.8% 93.8% 100
Microloan 22.80% annual, Decl Bal 0 Fees 0 Ins Ins 18.00% fees 10.00%-15.00% upfront 41% - 41.2% 50.2% - 55.7% 44
Ordinary Loan 22.80% annual, Decl Bal 0 Fees 0 Ins Ins 18.00% fees 10.00%-15.00% upfront 23.6% - 23.8% 29.5% - 31.7% 75
Youth Business Loan 21.60% annual, Decl Bal 0 Fees 0 Ins Ins 18.00% fees 10.00% upfront 22.7% - 24% 28.5% - 30.3% 74
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