| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | Yes |
| Website address | http://coopsanjose.fin.ec/ |
| Year established | 1964 |
| Head of Institution | José Guillen Sierra |
| Regions active | |
| # Branches | 6 |
| Total Portfolio (nat'l) | USD 30,756,404.80 |
| Total Portfolio (USD) | USD 30,756,404.80 |
| Active clients with loans | 10,594 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 20% - 40% |
| Network affiliations | |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Anticipo de Sueldo | USD 20 - 305 | 3 | 0% - 20% | 40% - 60% | Any Purpose | Women, Men, Salaried worker | Credit Ins | |||||||
| Consumo | USD 100 - 20,000 | 3 - 84 | 40% - 60% | 40% - 60% | Any Purpose | Women, Men, Salaried worker | Credit Ins | |||||||
| Microcredito Grupal Pago al Vencimiento | USD 600 - 1,600 | 6 - 12 | 40% - 60% | 0% - 20% | Business, Capital de Trabajo | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Microcredito Grupal Pago Mensual | USD 400 - 4,000 | 6 - 24 | 40% - 60% | 0% - 20% | Business, Capital de Trabajo | Women, Men, Have business | Credit Educ, Group Mtgs, Credit Ins | |||||||
| Microcredito Individual | USD 100 - 20,000 | 3 - 72 | 0% - 20% | 40% - 60% | Business | Women, Men, Have business | Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Anticipo de Sueldo | 12.9% annual, Decl Bal | 1 Fee | 0 Ins | None | 1.00% ongoing 2.00 ongoing | 13.1% | 13.6% | 95 | ||||||||
| Consumo | 12.9% annual, Decl Bal | 1 Fee | 0 Ins | None | 1.00% ongoing 2.00 ongoing | 13.1% | 13.6% - 13.8% | 94 | ||||||||
| Microcredito Grupal Pago al Vencimiento | 18.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 12.00 ongoing | 18.3% - 18.5% | 18.9% | 95 | ||||||||
| Microcredito Grupal Pago Mensual | 18.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 1.00% ongoing 2.00 ongoing | 18.2% - 18.3% | 18.9% - 19.1% | 94 | ||||||||
| Microcredito Individual | 18.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 6.7% upfront 1.00% ongoing 2.00 ongoing | 18.2% - 18.3% | 20.7% - 21.5% | 85 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| AgroCapital | 21,900 | 16,894,000 | 11 | 164 |
| ANED | 5,400 | 6,579,000 | 3 | 123 |
| Banco FIE | 231,100 | 569,322,000 | 6 | 123 |
| BancoSol | 215,300 | 861,418,000 | 30 | 123 |
| CIDRE | 8,500 | 126,578,000 | 8 | 123 |
| Coop Fatima | 6,300 | 44,280,000 | 7 | 164 |
| CRECER | 166,900 | 134,626,000 | 13 | 123 |
| Diaconia | 67,000 | 85,734,000 | 2 | 123 |
| Ecofuturo | 59,200 | 226,839,000 | 5 | 123 |
| EMPRENDER | 8,700 | 2,380,000 | 3 | 164 |
| Fassil FFP | 57,600 | 325,081,000 | 5 | 123 |
| FONCRESOL | 3,900 | 9,573,000 | 3 | 123 |
| FONDECO | 14,200 | 24,274,000 | 3 | 123 |
| Fortaleza | 20,100 | 164,530,000 | 13 | 123 |
| FUBODE | 29,400 | 24,444,000 | 7 | 123 |
| FUNBODEM | 8,600 | 15,798,000 | 9 | 123 |
| IDEPRO | 10,400 | 40,479,000 | 2 | 123 |
| IMPRO | 2,400 | 2,885,000 | 4 | 123 |
| ProCredit | 84,300 | 257,487,000 | 8 | 164 |
| PRODEM | 44,900 | 62,529,000 | 4 | 123 |
| ProMujer BOL | 115,200 | 50,753,000 | 3 | 123 |
| Sartawi | 14,600 | 26,842,000 | 8 | 123 |
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