Institution

Cooperativa de Comerciantes CL 16 # 8 29Chiquinquira, Boyaca
Data approved: 2011-08-01
Data version: 1
Age of data: 159 months

Institution

Association of Progressive Entrepreneurs in Development Head OfficeAccraP.O. Box CT 78 PMB
Data approved: 2013-02-15
Data version: 2
Age of data: 132 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addresshttp://www.comerciacoop.coop/
Year established1996
Head of InstitutionJesus Maria Medina Duran
Regions active
# Branches5

Total Portfolio (nat'l)COP 6,506,159,027
Total Portfolio (USD)USD 3,574,812.65
Active clients with loans5,000
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliations
Funders

Institution Details

Institution TypeNon-Governmental Organization
Is this institution regulated?No
Website addresshttp://www.worldvision.org/
Year established2001
Head of InstitutionSpencer Badu
Regions activeGreater Accra Region, Central Region, Western Region, Eastern Region, Volta Region, Ashanti Region, Brong Ahafo Region, Northern Region, Upper East Region, Upper West Region
# Branches7

Total Portfolio (nat'l)GHS 3,697,508
Total Portfolio (USD)USD 1,876,907.61
Active clients with loans13,774
Approximate % female clients60% - 80%
Approximate % urban clients0% - 20%
Network affiliationsASSFIN, GHAMFIN, Vision Fund International
FundersWorld Vision International, Vision Fund International

Loan Products » Summary

357 Borrowers
USD 1,689,259.68 Portfolio
Active Product
302 Borrowers
USD 364,210.21 Portfolio
Active Product
987 Borrowers
USD 1,146,921.32 Portfolio
Active Product
22 Borrowers
USD 55,346.15 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

3,045 Borrowers
USD 332,219.31 Portfolio
Active Product
10,729 Borrowers
USD 1,544,688.13 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Comercial (COP) COP 200,000 - 107,000,000 1 - 78 40% - 60% 80% - 100% Business Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Business Training, Other Training, CAPITALIZACION APORTES, AHORRO PROGRAMADO
Consumo (COP) COP 200,000 - 12,800,000 1 - 60 40% - 60% 80% - 100% Any Purpose Women, Men, Have home or land, Salaried worker, Codeudor Group Mtgs, Credit Ins, Business Training, Other Training, CAPITALIZACION APORTES, AHORRO PROGRAMADO
Microcredito COP 200,000 - 12,875,000 1 - 36 80% - 100% 60% - 80% Business, CAPITAL DE TRABAJO, LIQUIDEZ, ACTIVOS Women, Men, Have business, MICROEMPRESARIO, COMERCIANTE - INDEPENDIENTES Credit Educ, Group Mtgs, Credit Ins, Business Training, Other Training, CAPITALIZACION APORTES, AHORRO PROGRAMADO

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Farmer Loan GHS 300 - 7,000 6 - 8 60% - 80% 0% - 20% Business, Agriculture Women, Men, Have business, Specific age group, Must be resident in community near branch for at least on year Group Mtgs, Credit Ins, Business Training, Other Training, Extention Services
Working Capital Loan GHS 800 - 8,500 4 - 12 60% - 80% 20% - 40% Business Women, Men, Have business, Specific age group, Must be resident in community near branch for at least on year Group Mtgs, Credit Ins, Business Training, Other Training

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Comercial (COP) 10.4%-25.9% annual, Decl Bal 1 Fee 1 Ins None 1.00% ongoing 17.7% - 21.9% 20.2% - 23.2% 48
Consumo (COP) 10.6%-27.5% annual, Decl Bal 1 Fee 1 Ins None 1.00% ongoing 19.9% - 20.4% 22.4% - 25.8% 44
Microcredito 17.3%-29.4% annual, Decl Bal 1 Fee 1 Ins None 3.00% ongoing 26.6% - 33.4% 28.9% - 38.2% 50

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Farmer Loan 39.00%-52.00% annual, Flat 2 Fees 1 Ins None 15.00%-20.00% upfront 43.1% - 51.9% 55.1% - 68% 65
Working Capital Loan 39.00%-52.00% annual, Flat 2 Fees 1 Ins None 15.00%-20.00% upfront 81.2% - 106.3% 119.1% - 182.5% 24

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Comercial (COP) 10.4%-25.9% annual, Decl Bal 1 Fee 1 Ins Ins None 1.00% ongoing 17.7% - 21.9% 20.2% - 23.2% 48
Consumo (COP) 10.6%-27.5% annual, Decl Bal 1 Fee 1 Ins Ins None 1.00% ongoing 19.9% - 20.4% 22.4% - 25.8% 44
Microcredito 17.3%-29.4% annual, Decl Bal 1 Fee 1 Ins Ins None 3.00% ongoing 26.6% - 33.4% 28.9% - 38.2% 50

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Farmer Loan 39.00%-52.00% annual, Flat 2 Fees 1 Ins Ins None 15.00%-20.00% upfront 43.1% - 51.9% 55.1% - 68% 65
Working Capital Loan 39.00%-52.00% annual, Flat 2 Fees 1 Ins Ins None 15.00%-20.00% upfront 81.2% - 106.3% 119.1% - 182.5% 24
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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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