Please note that the information you are viewing is 142 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Cooperativa Luz Del Valle Av. Abdon calderon 524 e ines gangotenaConcepcion y Santa Rita esquinaSangolqui, Pichincha
Data approved: 2010-11-08
Data version: 1
Age of data: 142 months

Institution Details

Institution TypeCredit Union / Cooperative
Is this institution regulated?No
Website addressN/A
Year established2002
Head of InstitutionJOSE JULIO GUALOTUÑA LEMA
Regions active
# Branches9

Total Portfolio (nat'l)USD 11,870,227.05
Total Portfolio (USD)USD 11,870,227.05
Active clients with loans6,420
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsFECOAC, Red Financiera Rural, COLAC, Financoop
Funders

Loan Products » Summary

1,400 Borrowers
USD 3,200,000 Portfolio
Active Product
950 Borrowers
USD 600,000 Portfolio
Active Product
4,070 Borrowers
USD 7,500,000 Portfolio
Active Product

Loan Products » Conditions

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

Loan Products » Pricing Information

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 Price Graph
Institution # Borrowers Portfolio (US$) Products Age of Data
AGFS20047,0002128
Ahantaman RB23,8009,896,0004110
APED13,7001,876,0002110
ASA Initiative4,400577,0004110
ASA-Ghana71,60018,385,0002110
ASPI80088,0006110
Atwima Kwanwoma3,8001,788,0002110
Baobab5,100967,0002110
BestFUND13,0004,172,0003110
Bonzali Rural10,4001,691,0004128
CashPhase83135,0002110
CASUD1,100524,0001110
CEDEF50054,0004110
CFF10013,0001110
CRAN3,6001,019,0002110
DQF1,70063,0002110
EASL9,20011,409,0006110
East Mamprusi12,5002,268,0004110
ELDA000110
EMPRETEC Ghana20056,0002110
FASL13,50014,047,0008110
Grameen Ghana9,500507,0003110
ID-Ghana5,600953,0003110
Innovative Finance2,700354,0003110
Kraban Support7,700781,0005128
KRB4,0006,350,0003110
Lower Pra RB34,0006,316,0003128
Maata-N-Tudu12,000941,0004110
Mail Finance300288,0001110
Markaz000110
Markaz Al Bishara10017,0001110
MicrofinPlus Gh1,100251,0002110
Nwabiagya RB4,0002,265,0003110
OISL62,00027,232,0009110
Pro Credit000110
Rich Step100101,0001110
SAT147,60029,359,0004110
Sekam Trust600137,0002110
Simli Pong8,900463,0003128
SS Ghana20035,0001110
TCCU10032,0003110
The Bridge40032,0003128
Union RB3,8002,361,0004110
Caps / Zoom options
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
Filter table:
Country InstAbbrev SampleCode Loan Amount USD Loan Term (Months) SampClients FullAPR DateApproved
Loading...
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

Total Borrowers of Samples

X Axis
Greater than:
Less or equal to:
From 0 to
to
to
to