| 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 |
| 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 | 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 |
| Outstanding portfolio (UGX) | UGX 495,400,798 |
| Portfolio (USD) | USD 225,182 |
| Active Clients with Loans | 388 |
| Approximate % Female Clients | 0% - 20% |
| Approximate % Urban Clients | 20% - 40% |
| Individual | x |
| Solidarity group | |
| Village banking | |
| Self help group | |
| Other |
| Any purpose | |
| Income generation | |
| Mortgage/housing | x |
| Consumer loan | |
| Agriculture | |
| Education | |
| Other household finance | |
| Other | |
| Other (2) |
| Credit education | x |
| Group meetings | |
| Credit insurance | x |
| Workplace visits | |
| Business training | |
| Other training | |
| Other | 200000 |
| Other (2) | 3000000 |
| No other services |
| Men | x |
| Women | x |
| Must run a business | x |
| Must own a home or land | x |
| Must be a salaried worker | x |
| Must be specific age group | |
| Other | |
| Other (2) |
| # Regions for this institution | N/A |
| # Regions for this product | N/A |
| Regions Active |
| Key Statistics | |
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| # Borrowers | |
| Loan Portfolio (USD) | |
| % Products using declining balance | |
| % Products with one or more fee | |
| % Products with one or more insurances | |
| % Products with compulsory deposits |
| Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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