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Institution

COAC San José San Jose de Chimbo, calle Chimborazo 536 y 3 de MarzoCanton Chimbo, Provincia Bolivar
Data approved: 2010-11-08
Data version: 1
Age of data: 136 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?Yes
Website addresshttp://coopsanjose.fin.ec/
Year established1964
Head of InstitutionJosé Guillen Sierra
Regions active
# Branches6

Total Portfolio (nat'l)USD 30,756,404.80
Total Portfolio (USD)USD 30,756,404.80
Active clients with loans10,594
Approximate % female clients40% - 60%
Approximate % urban clients20% - 40%
Network affiliations
Funders

Loan Products » Summary

932 Borrowers
USD 175,901 Portfolio
Active Product
2,724 Borrowers
USD 12,223,241.28 Portfolio
Active Product
1,945 Borrowers
USD 1,531,514.57 Portfolio
Active Product
397 Borrowers
USD 132,380.51 Portfolio
Active Product
4,498 Borrowers
USD 15,070,871.05 Portfolio
Active Product

Loan Products » Conditions

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

Loan Products » Pricing Information

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 Price Graph
Institution # Borrowers Portfolio (US$) Products Age of Data
AGFS20047,0002123
Ahantaman RB23,8009,896,0004105
APED13,7001,876,0002105
ASA Initiative4,400577,0004105
ASA-Ghana71,60018,385,0002105
ASPI80088,0006105
Atwima Kwanwoma3,8001,788,0002105
Baobab5,100967,0002105
BestFUND13,0004,172,0003105
Bonzali Rural10,4001,691,0004123
CashPhase83135,0002105
CASUD1,100524,0001105
CEDEF50054,0004105
CFF10013,0001105
CRAN3,6001,019,0002105
DQF1,70063,0002105
EASL9,20011,409,0006105
East Mamprusi12,5002,268,0004105
ELDA000105
EMPRETEC Ghana20056,0002105
FASL13,50014,047,0008105
Grameen Ghana9,500507,0003105
ID-Ghana5,600953,0003105
Innovative Finance2,700354,0003105
Kraban Support7,700781,0005123
KRB4,0006,350,0003105
Lower Pra RB34,0006,316,0003123
Maata-N-Tudu12,000941,0004105
Mail Finance300288,0001105
Markaz000105
Markaz Al Bishara10017,0001105
MicrofinPlus Gh1,100251,0002105
Nwabiagya RB4,0002,265,0003105
OISL62,00027,232,0009105
Pro Credit000105
Rich Step100101,0001105
SAT147,60029,359,0004105
Sekam Trust600137,0002105
Simli Pong8,900463,0003123
SS Ghana20035,0001105
TCCU10032,0003105
The Bridge40032,0003123
Union RB3,8002,361,0004105
Caps / Zoom options
Key Statistics
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# Borrowers
Loan Portfolio (USD)
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% Products with compulsory deposits
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Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
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