Institution Type | Non-Governmental Organization |
Is this institution regulated? | No |
Website address | http://www.cepesiu.org.ec/ |
Year established | 1983 |
Head of Institution | Cecilia Padilla |
Regions active | |
# Branches | 3 |
Total Portfolio (nat'l) | USD 939,466.31 |
Total Portfolio (USD) | USD 939,466.31 |
Active clients with loans | 2,011 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 60% - 80% |
Network affiliations | |
Funders |
Institution Type | Credit Union / Cooperative |
Is this institution regulated? | No |
Website address | N/A |
Year established | 2000 |
Head of Institution | Sandra Mireya Naula Cuenca |
Regions active | |
# Branches | 1 |
Total Portfolio (nat'l) | USD 4,200,342 |
Total Portfolio (USD) | USD 4,200,342 |
Active clients with loans | 2,511 |
Approximate % female clients | 40% - 60% |
Approximate % urban clients | 80% - 100% |
Network affiliations | RFR, Contrato Social por la Vivienda |
Funders |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Programa de Crédito Directo | USD 500 - 1,500 | 4 - 8 | 20% - 40% | 0% - 20% | Business | Women, Men, Have business, Asociacion debe haber firmado convenio con Cepesiu, Producto dirigido a produccion agricola de ciclo corto | Tech Asst Visits | |||||||
Programa de Crédito Individual (PCI) | USD 500 - 3,000 | 6 - 18 | 40% - 60% | 80% - 100% | Business | Women, Men, Have business, Buena calificacion en la Central de Riesgos, Negocios establecidos un año | Tech Asst Visits | |||||||
Programa Grupo Solidario | USD 200 - 1,500 | 4 - 18 | 60% - 80% | 60% - 80% | Business | Women, Men, Have business, Buena calificacion en central de riesgos., Negocio funcionando 1 año. | Tech Asst Visits | |||||||
Sociedad Popular de Inversión SPI | USD 300 - 10,000 | 4 - 24 | 40% - 60% | 20% - 40% | Business | Women, Men, Estructuras financieras locales autogestionadas de credito, Minimo 4 meses de funcionamiento | Tech Asst Visits, Cepesiu brinda asistencia tecnica con recursos no reembolsables |
Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédito de consumo | USD 100 - 5,000 | 3 - 36 | 60% - 80% | 80% - 100% | Any Purpose | Women, Men, Si el deudor no es propietario de una casa, el garante sí requiere tener una casa., Pueden acceder personas desde los 18 años de edad en adelante. | Credit Educ, Credit Ins, Asesoría administración del dinero | |||||||
Crédito Grupal Solidario | USD 500 - 1,500 | 6 - 15 | 60% - 80% | 80% - 100% | Business | Women, Men, Los grupos se conforman con personas de la misma zona de residencia, Se utiliza la garantía grupal | Credit Educ, Group Mtgs, Credit Ins, Business Training, Capacitación en proyectos de vida y espíritu emprendedor | |||||||
Crédito Individual para Micro | USD 100 - 5,000 | 3 - 24 | 60% - 80% | 80% - 100% | Business, Housing, Other, Como capiltal para iniciar un negocio, Incremento de mercadería | Women, Men, Si el deudor no es propietario de una casa, el garante sí requiere tener una casa., Pueden acceder personas desde los 15 años de edad en adelante | Credit Educ, Credit Ins, Tech Asst Visits, Business Training, Capacitación en formulación de planes de negocio, Capacitación en proyectos de vida y espíritu emprendedor |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Programa de Crédito Directo | 28.6% annual, Decl Bal | 0 Fees | 0 Ins | None | 12.0% upfront | 28.9% - 29% | 32.9% | 87 | ||||||||
Programa de Crédito Individual (PCI) | 28.6% annual, Decl Bal | 0 Fees | 0 Ins | None | 12.0% upfront | 15.2% - 19.8% | 15.2% - 25.2% | 100 | ||||||||
Programa Grupo Solidario | 28.6% annual, Decl Bal | 0 Fees | 0 Ins | None | 12.0% upfront | 19.8% - 24.8% | 25.2% - 31.1% | 97 | ||||||||
Sociedad Popular de Inversión SPI | 26.0% annual, Decl Bal | 0 Fees | 0 Ins | None | N/A | 19% - 24.8% | 19% - 24.8% | 100 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédito de consumo | 14.0%-16.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 5.00 ongoing | 16.2% - 16.4% | 17.3% - 19.8% | 75 | ||||||||
Crédito Grupal Solidario | 14.0%-18.5% annual, Decl Bal | 1 Fee | 0 Ins | None | 5.00 ongoing | 18.8% | 20.8% - 21.2% | 66 | ||||||||
Crédito Individual para Micro | 14.0%-18.5% annual, Decl Bal | 1 Fee | 0 Ins | None | 5.00 ongoing | 18.7% - 18.8% | 20.2% - 24.3% | 65 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Programa de Crédito Directo | 28.6% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 12.0% upfront | 28.9% - 29% | 32.9% | 87 | ||||||||
Programa de Crédito Individual (PCI) | 28.6% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 12.0% upfront | 15.2% - 19.8% | 15.2% - 25.2% | 100 | ||||||||
Programa Grupo Solidario | 28.6% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | 12.0% upfront | 19.8% - 24.8% | 25.2% - 31.1% | 97 | ||||||||
Sociedad Popular de Inversión SPI | 26.0% annual, Decl Bal | 0 Fees | 0 Ins Ins | None | N/A | 19% - 24.8% | 19% - 24.8% | 100 |
Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Crédito de consumo | 14.0%-16.0% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 5.00 ongoing | 16.2% - 16.4% | 17.3% - 19.8% | 75 | ||||||||
Crédito Grupal Solidario | 14.0%-18.5% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 5.00 ongoing | 18.8% | 20.8% - 21.2% | 66 | ||||||||
Crédito Individual para Micro | 14.0%-18.5% annual, Decl Bal | 1 Fee | 0 Ins Ins | None | 5.00 ongoing | 18.7% - 18.8% | 20.2% - 24.3% | 65 |
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