Institution Type | Credit Union / Cooperative |
Is this institution regulated? | Yes |
Website address | http://www.comerciacoop.coop/ |
Year established | 1996 |
Head of Institution | Jesus Maria Medina Duran |
Regions active | |
# Branches | 5 |
Total Portfolio (nat'l) | COP 6,506,159,027 |
Total Portfolio (USD) | USD 3,574,812.65 |
Active clients with loans | 5,000 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 40% - 60% |
Network affiliations | |
Funders |
Institution Type | Non-Governmental Organization |
Is this institution regulated? | Yes |
Website address | http://www.celim.it/ |
Year established | 2008 |
Head of Institution | Elisa Morrone |
Regions active | |
# Branches | 2 |
Total Portfolio (nat'l) | ZMK 2,360,550,702 |
Total Portfolio (USD) | USD 456,145.06 |
Active clients with loans | 1,559 |
Approximate % female clients | 60% - 80% |
Approximate % urban clients | 0% - 20% |
Network affiliations | Amiz, Mix Market |
Funders | Rural Finance Programme/IFAD, European Union, CeLIM NGO |
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 |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Input Loan | ZMK 2,000,000 - 6,000,000 | 10 - 11 | 20% - 40% | 0% - 20% | Business, Agriculture | Women, Men, Small scale farmers, minimum one hectare | Business Training, Microcredit Scheme | |||||||
Individual Loan | ZMK 500,000 - 7,000,000 | 4 - 12 | 40% - 60% | 0% - 20% | Business | Women, Men, Have business | Credit Ins, Household Approach, Monthly follow up of clients | |||||||
Salary Backed Loan | ZMK 500,000 - 7,000,000 | 2 - 10 | 20% - 40% | 60% - 80% | Any Purpose | Women, Men, Salaried worker | ||||||||
Solidarity Group Loan | ZMK 400,000 - 1,200,000 | 4 - 10 | 60% - 80% | 0% - 20% | Business | Women, Men, Have business | Record Keeping Training, Household Approach Training, Monthly Monitoring |
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 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Input Loan | 42.0% annual, Flat | 0 Fees | 1 Ins | None | N/A | 56.6% - 56.8% | 64.4% - 64.6% | 65 | ||||||||
Individual Loan | 48.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 69.7% - 82.9% | 69.7% - 82.9% | 62 | ||||||||
Salary Backed Loan | 30.0%-42.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 48.9% - 50.6% | 48.9% - 50.6% | 60 | ||||||||
Solidarity Group Loan | 42.0%-60.0% annual, Flat | 1 Fee | 0 Ins | None | N/A | 68.6% - 96% | 68.6% - 96% | 50 |
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 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Agricultural Input Loan | 42.0% annual, Flat | 0 Fees | 1 Ins Ins | None | N/A | 56.6% - 56.8% | 64.4% - 64.6% | 65 | ||||||||
Individual Loan | 48.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 69.7% - 82.9% | 69.7% - 82.9% | 62 | ||||||||
Salary Backed Loan | 30.0%-42.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 48.9% - 50.6% | 48.9% - 50.6% | 60 | ||||||||
Solidarity Group Loan | 42.0%-60.0% annual, Flat | 1 Fee | 0 Ins Ins | None | N/A | 68.6% - 96% | 68.6% - 96% | 50 |
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