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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
1st Valley Bank38,90048,291,0003129
AJDFI13,100884,0006129
ARDCI44,6009,403,0001129
ASA Philippines333,40029,282,0001129
ASHI35,4005,231,0006129
ASKI60,00015,247,0004129
Bangko Kabayan8,9002,373,0002129
BSEI60073,0002129
CBI8,1002,010,0005129
CCT70,3009,504,0004129
CEV35,4005,111,0004129
DSPI59,3003,676,0003129
ECLOF5,4001,836,0004129
FCB12,0002,392,0002129
FMB2,700710,0002129
GM Bank23,5001,553,0003129
HSPFI19,1001,899,0002129
JVOFI1,300281,0001129
Katipunan Bank42,1005,325,0002129
KDCI20,5002,095,0003129
KGI32,3003,421,0004129
KMBI245,00015,098,0001129
LTMPC37,4008,935,0003129
Mallig Plains6,500641,0002129
MILAMDEC29,8003,278,0002129
MWIMPC11,8001,740,0004128
NWTF105,50012,698,0005129
OFMPC4,400964,0001129
PBC50,70010,434,0004129
PCSD700167,0001129
PMPC23,5005,565,0008129
RB Angeles9001,502,0002129
RB Labason500289,0001129
RBLI5,2001,026,0002129
RBMI11,9001,750,0002129
RMB100173,0001129
RSPI39,6002,834,0004129
SAFRAGEMC1,100229,0001129
Salve10,9001,191,0003129
SEDP27,0003,914,0003129
TSKI212,90025,187,0002129
TSPI264,50031,290,0007129
Valient1,700672,0002129
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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
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