| Institution Type | Credit Union / Cooperative |
| Is this institution regulated? | No |
| Website address | N/A |
| Year established | 2002 |
| Head of Institution | JOSE JULIO GUALOTUÑA LEMA |
| Regions active | |
| # Branches | 9 |
| Total Portfolio (nat'l) | USD 11,870,227.05 |
| Total Portfolio (USD) | USD 11,870,227.05 |
| Active clients with loans | 6,420 |
| Approximate % female clients | 40% - 60% |
| Approximate % urban clients | 40% - 60% |
| Network affiliations | FECOAC, Red Financiera Rural, COLAC, Financoop |
| Funders |
| Product Name | Loan Size Range | Loan Term (months) | % Female | % Urban | Loan Purpose | Eligibility | Other Services | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Microluz | USD 1,500 - 10,000 | 1 - 24 | 40% - 60% | 40% - 60% | Business, Capital de tyrabajo, compra de activos, pago de de, Actividades inherentes al negocio | Women, Men, Have business, existencia minima del negocio de un año | Credit Ins | |||||||
| Oportuno | USD 350 - 1,500 | 1 - 12 | 40% - 60% | 20% - 40% | Any Purpose | Women, Men, Have business | Credit Ins | |||||||
| Quirofario | USD 500 - 20,000 | 1 - 72 | 40% - 60% | 40% - 60% | Any Purpose | Women, Men, Salaried worker, propietario de casa si el monto es superior a $5,000 | Credit Ins |
| Product Name | Annual Nominal Interest | Fees | Insurance | Taxes | Compulsory Deposit | APR (int+fee) | Full APR | Transparency Index | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Microluz | 19.0%-25.0% annual, Decl Bal | 1 Fee | 0 Ins | None | 10.0% upfront | 20.3% - 25.3% | 22.8% - 28.4% | 77 | ||||||||
| Oportuno | 22.5%-26.0% annual, Decl Bal | 0 Fees | 2 Ins | None | 10.0% upfront | 24.3% - 24.7% | 27.2% - 27.6% | 82 | ||||||||
| Quirofario | 13.6%-13.8% annual, Decl Bal | 0 Fees | 1 Ins | None | 10.0% upfront | 13.9% - 14% | 15.7% - 15.9% | 86 |
| Institution | # Borrowers | Portfolio (US$) | Products | Age of Data |
|---|---|---|---|---|
| Banco Solidario | 79,700 | 221,716,000 | 1 | 156 |
| CEPESIU | 2,000 | 939,000 | 4 | 156 |
| COAC 4 Octubre | 2,200 | 5,771,000 | 2 | 156 |
| COAC Ambato | 1,300 | 16,415,000 | 2 | 156 |
| COAC FondVida | 2,500 | 4,200,000 | 4 | 156 |
| COAC LaBenefica | 2,500 | 8,482,000 | 6 | 156 |
| COAC MCCH | 5,300 | 10,020,000 | 2 | 156 |
| COAC Nacional | 30,700 | 27,129,000 | 2 | 156 |
| COAC San José | 10,400 | 29,133,000 | 5 | 156 |
| COAC SanAntonio | 1,000 | 2,384,000 | 3 | 156 |
| COAC SantaAnita | 2,000 | 2,532,000 | 6 | 156 |
| Codesarrollo | 14,400 | 40,328,000 | 7 | 156 |
| Coop San Miguel | 1,800 | 4,754,000 | 5 | 153 |
| CooP VPR | 700 | 1,052,000 | 4 | 156 |
| Cooprogreso | 7,900 | 32,244,000 | 4 | 156 |
| Credi Fe | 100,900 | 380,039,000 | 4 | 156 |
| D^Miro | 36,900 | 27,692,000 | 9 | 149 |
| DECOF | 2,200 | 705,000 | 2 | 156 |
| Espoir | 62,100 | 21,036,000 | 5 | 156 |
| FODEMI | 28,200 | 12,924,000 | 3 | 156 |
| Fundacion Alternativa | 4,300 | 5,545,000 | 2 | 156 |
| FUNDAMIC | 2,000 | 1,468,000 | 2 | 156 |
| INSOTEC | 7,000 | 6,047,000 | 4 | 156 |
| Luz del Valle | 6,400 | 11,300,000 | 3 | 156 |
| ProCredit | 43,800 | 211,941,000 | 2 | 156 |
| PS Ambato | 5,600 | 2,771,000 | 1 | 156 |
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