2. Luz del Valle
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  2. Comicoka
Please note that the information you are viewing is 136 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: 163 months

Institution

COOPEC COMICOKA RUBAVU, Ouest Rwanda506 GISENYI RWA
Data approved: 2011-10-26
Data version: 1
Age of data: -   months 
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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

Institution Details

Institution TypeCooperative
Is this institution regulated?N/A
Website addressN/A
Year established2005
Head of InstitutionJean Damascene NKURIKIYINKA
Regions active0
# Branches1

Total Portfolio (nat'l)RWF 428,273,891
Total Portfolio (USD)USD 725,887.95
Active clients with loans682
Approximate % female clients20% - 40%
Approximate % urban clients0% - 20%
Network affiliationsAMIR
FundersAQUADEV

Loan Products » Summary

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

Loan Products » Summary

Ordinaire 30%
471 Borrowers
USD 317,715 Portfolio
Active Product
Ordinaire 18%
32 Borrowers
USD 25,450 Portfolio
Active Product
Ordinaire 19%
134 Borrowers
USD 371,059 Portfolio
Active Product
Urgence 60%
44 Borrowers
USD 11,665 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 » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Ordinaire 30% RWF 12,000 - 5,000,000 3 - 36 0% - 20% 0% - 20%
Ordinaire 18% 0 0 0% - 20% 0% - 20%
Ordinaire 19% RWF 1,000,000 - 5,000,000 13 - 36 20% - 40% 0% - 20%
Urgence 60% 0 0 0% - 20% 0% - 20%

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

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Ordinaire 30% 30.00% annual, Decl Bal 1 Fee 1 Ins 0% - 36.8% 31.5% - 54.1%
Ordinaire 18% 0.00% annual, 0 0 Fees 0 Ins 0% - 37.9% 30.1% - 59.9%
Ordinaire 19% 19.00% annual, Decl Bal 1 Fee 1 Ins 20.6% - 23.5% 30.2% - 33%
Urgence 60% 0.00% annual, 0 0 Fees 0 Ins 0% - 73.7% 68% - 75.4%

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 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 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 Ins None 10.0% upfront 13.9% - 14% 15.7% - 15.9% 86

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Ordinaire 30% 30.00% annual, Decl Bal 1 Fee 1 Ins Ins 0% - 36.8% 31.5% - 54.1%
Ordinaire 18% 0.00% annual, 0 0 Fees 0 Ins Ins 0% - 37.9% 30.1% - 59.9%
Ordinaire 19% 19.00% annual, Decl Bal 1 Fee 1 Ins Ins 20.6% - 23.5% 30.2% - 33%
Urgence 60% 0.00% annual, 0 0 Fees 0 Ins Ins 0% - 73.7% 68% - 75.4%
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