| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 1998 |
| Head of Institution | Verónica Albarracín |
| Regions active | |
| # Branches | 5 |
| Total Portfolio (nat'l) | USD 10,020,807 |
| Total Portfolio (USD) | USD 10,020,807 |
| Active clients with loans | 5,383 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | Red Financiera Rural, Red Nacional de Finanzas Populares y Solidarias del Ecuador, Conzorcio Etimos |
| Funders | Fondo Hivos Triodos, Red Nacional de Finanzas Populares y Solidarias del Ecuador, Conzorcio Etimos |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito microempresa | USD 80 - 10,000 | 3 - 36 | 40% - 60% | 40% - 60% | Any Purpose | Women, Men, Have business | Credit Ins | |||||||
| Desarrollo Familiar | USD 80 - 10,000 | 3 - 36 | 40% - 60% | 60% - 80% | Any Purpose | Women, Men, Salaried worker, Beneficiario de una jubilación, monte pio o similares. | Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Crédito microempresa | 22.9% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 17.3% - 25.4% | 18% - 26.2% | 96 | ||||||||
| Desarrollo Familiar | 15.1% annual, Decl Bal | 1 Fee | 0 Ins | None | N/A | 15.3% - 15.5% | 15.6% - 16.8% | 94 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| Action | 0 | 0 | 0 | 134 |
| Adok Timo | 4,200 | 570,000 | 4 | 165 |
| BIMAS | 11,100 | 4,679,000 | 7 | 134 |
| ECLOF Kenya | 20,500 | 5,455,000 | 8 | 134 |
| Equity Bank | 135,500 | 94,746,000 | 9 | 134 |
| Family Bank | 43,200 | 90,700,000 | 5 | 165 |
| Jamii Bora | 2,400 | 3,374,000 | 4 | 134 |
| Juhudi Kilimo | 10,400 | 4,436,000 | 2 | 134 |
| KADET | 12,900 | 5,402,000 | 4 | 134 |
| K-Rep | 0 | 0 | 0 | 134 |
| K-Rep Bank | 65,000 | 28,743,000 | 4 | 165 |
| KWFT DTM | 294,600 | 165,982,000 | 6 | 134 |
| LKL | 13,100 | 9,311,000 | 10 | 126 |
| MKL | 18,200 | 5,989,000 | 6 | 111 |
| Opportunity Kenya | 9,100 | 4,866,000 | 5 | 134 |
| PAWDEP | 40,900 | 7,133,000 | 2 | 134 |
| RAFODE | 2,900 | 356,000 | 1 | 134 |
| SISDO | 7,300 | 3,657,000 | 11 | 134 |
| Yehu | 14,000 | 3,149,000 | 11 | 134 |
| Key Statistics | |
|---|---|
| # Samples: | |
| # Products | |
| # Institutions | |
| # Countries | |
| # 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 |
|---|---|---|---|---|---|---|---|
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| N (# of Samples) | ||||||
| Total Borrrowers of Samples | ||||||
| Avg | ||||||
| Min | ||||||
| Max | ||||||
| Std Dev | ||||||
| By Inst Type | ||||||
| By Country | ||||||
| X Axis | ||||||
|---|---|---|---|---|---|---|
| Greater than: | ||||||
| Less or equal to: | ||||||
| From 0 to | ||||||
| to | ||||||
| to | ||||||
| to ∞ | ||||||
